United States Bankruptcy Court

_______________ District Of _______________ Eastern Virginia

Larry Nathaniel Johnson, Jr. and Felicia Diane Cromwell-Johnson 16-32997-KRH

U.S. Bank Trust National Association 

as Trustee of FW Series I Trust

U.S. Bank National Association, not in its

individual capacity but solely as Trustee for the

NRZ PASS-THROUGH TRUST XIV

(800) 603-0836 (312)291-3781

4156 9974

/s/ Michelle R. Ghidotti-Gonsalves 5/12/2020

SN Servicing Corporation

323 5th Street

Eureka CA 95501

14

$211,329.52

02/16/2018

Case 16-32997-KRH Doc 47 Filed 05/12/20 Entered 05/12/20 14:03:52 Desc Main

Document Page 1 of 4
United States Bankruptcy Court

_______________ District Of _______________ Eastern Virginia

Larry Nathaniel Johnson, Jr. and Felicia Diane Cromwell-Johnson 16-32997-KRH

14

5/12/2020

U.S. Bank National Association, not in its

individual capacity but solely as Trustee for the

NRZ PASS-THROUGH TRUST XIV

U.S. Bank Trust National Association 

as Trustee of FW Series I Trust

Fay Servicing, LLC 

PO Box 814609

Dallas, TX 75381-4609

SN Servicing Corporation

323 5th Street

Eureka CA 95501

Case 16-32997-KRH Doc 47 Filed 05/12/20 Entered 05/12/20 14:03:52 Desc Main

Document Page 2 of 4
(800) 603-0836

Para Español, Ext. 2660 o 2643

8:00 a.m. – 5:00 p.m. Pacific Time

Main Office NMLS #5985

Branch Office NMLS #9785

323 5TH STREET

EUREKA CA 95501

April 30, 2020

RE: New Loan Number: 

Old Loan Number: 

Collateral: 6461 DAWNFIELD LANE; RICHMOND VA

NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF SERVICING RIGHTS

Dear Customer:

The notice, which follows, is intended to inform you that the servicing of your mortgage loan has been 

assigned, sold or transferred. If the above-referenced loan is a closed-end, first lien, 1-4 unit residential (e.g., 

homes, condominiums, cooperative units and mobile homes) mortgage loan, this notice is being provided to 

you under Section 6 of the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. §2605). When a state 

law requires this notice, this notice is being provided to you under state law. When neither Section 6 of 

RESPA nor state law requires this notice, this notice is being provided to you for your information.

You are hereby notified that the servicing of your mortgage loan, that is, the right to collect payments from 

you, has been assigned, sold or transferred from Fay Servicing LLC to SN Servicing Corporation for FW 

Series I Trust, effective April 27, 2020.

The assignment, sale, or transfer of the servicing of the mortgage loan does not affect any term or condition of 

the mortgage instruments, other than terms directly related to the servicing of your loan.

Except in limited circumstances, the law requires that your present servicer send you this notice at least 15 

days before the effective date of transfer, or at closing. Your new servicer must also send you this notice no 

later than 15 days after this effective date or at closing.

Your present servicer is Fay Servicing LLC, Attn: Customer Service Department

PO Box 814609, Dallas, TX 75381-4609. If you have any questions relating to the transfer of servicing from 

your present servicer call Customer Service at (800) 495-7166 Monday through Thursday 8:00 a.m to 9:00

p.m. and Friday 8:30 a.m. to 5:00 p.m. and Saturday 10:00 a.m. to 4:00 p.m. Central Standard Time. This is a 

toll-free number.

Your new servicer will be SN Servicing Corporation.

The correspondence address for your new servicer is SN Servicing Corporation, 323 Fifth St, Eureka, CA 

95501.

The toll-free telephone number of your new servicer is (800) 603-0836. If you have any questions relating to 

the transfer of servicing to your new servicer call Juan Fernandez at (800) 603-0836 Monday through Friday 

between 8:00 a.m. and 5:00 p.m. Pacific Time. You may access your account and make payments via our 

secure website at https://borrower.snsc.com.

The date that your present servicer will stop accepting payments from you is April 26, 2020. The date that 

your new servicer will start accepting payments from you is April 27, 2020. Send all payments on or after 

April 27, 2020 to your new servicer.

Make your payments payable to: SN Servicing Corporation

Mail your payments to: SN Servicing Corporation

PO BOX 660820

DALLAS, TX 75266-0820

The transfer of servicing rights may affect the terms of or the continued availability of mortgage life or disability 

insurance or any other type of optional insurance in the following manner: SN Servicing Corporation will not

continue to accept your insurance payments as a part of your monthly loan payment nor will it be responsible 

for the continuation of any such optional insurance coverage. You should take the following action to maintain 

coverage: contact your optional insurance carrier immediately for instructions on how to continue such 

optional insurance coverage.

SnscLoanID0000304156

LARRY JOHNSON

6461 DAWNFIELD LN

RICHMOND VA 23231

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You are hereby notified that this letter is being sent to you by SN Servicing Corporation, which is a debt 

collector. SN Servicing Corporation is attempting to collect a debt. Any information obtained by us will be 

used for that purpose. However, if you are in a bankruptcy proceeding or your debt has been discharged in 

bankruptcy, please read the next paragraph carefully for some important information.

NOTICE TO ANY CUSTOMER IN BANKRUPTCY OR WHO HAS RECEIVED A DISCHARGE IN 

BANKRUPTCY: Notwithstanding anything in this notice to the contrary, if you have filed a bankruptcy petition 

and there is either an “automatic stay” in effect in your bankruptcy case, or you have received a discharge of 

your personal liability for the obligation identified in this letter, we may not and do not intend to pursue 

collection of that obligation from you personally. If these circumstances apply, this notice is not intended as a 

demand for payment from you personally. Unless the Bankruptcy Court has ordered otherwise, however, 

please also note that despite any such bankruptcy filing, we do continue to retain whatever rights we hold in 

the property that secures the obligation.

A consumer has the right to request in writing that a debt collector or collection agency cease further 

communication with the consumer. A written request to cease communication will not prohibit the debt 

collector or collection agency from taking any other action authorized by law to collect the debt.

SN Servicing Corporation for FW Series I Trust

Customer Service Department

You should also be aware of the following information, which is set out in more detail in Section 6 of the Real 

Estate Settlement Procedures Act (RESPA) (12 U.S.C. §2605):

During the 60-day period following the effective date of the transfer of the loan servicing, a loan payment 

received by your old servicer before its due date may not be treated by the new loan servicer as late, and a 

late fee may not be imposed on you.

Section 6 of RESPA (12 U.S.C. §2605) gives you certain consumer rights. If you send a “qualified written 

request” to your loan servicer concerning the servicing of your loan, your servicer must provide you with a 

written acknowledgment within 5 Business Days of receipt of your request. A “qualified written request” is a 

written correspondence, other than notice on a payment coupon or other payment medium supplied by the 

servicer, which includes your name and account number, and your reasons for the request. If you want to 

send a “qualified written request” regarding the servicing of your loan, it must be sent to this address: SN 

Servicing Corporation, 323 Fifth St, Eureka, CA 95501.

Not later than 30 Business Days after receiving your request, your servicer must make any appropriate 

corrections to your account, and must provide you with a written clarification regarding any dispute. During 

this 30-Business Day period, your servicer may not provide information to a consumer reporting agency 

concerning any overdue payment related to such period or qualified written request. However, this does not 

prevent the servicer from initiating foreclosure if proper grounds exist under the mortgage documents.

A Business Day is a day on which the offices of the business entity are open to the public for carrying on 

substantially all of its business functions.

Section 6 of RESPA also provides for damages and costs for individuals or classes of individuals in 

circumstances where servicers are shown to have violated the requirements of that Section. You should seek 

legal advice if you believe your rights have been violated.

Case 16-32997-KRH Doc 47 Filed 05/12/20 Entered 05/12/20 14:03:52 Desc Main

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