Exhibit Cover Sheet

Party submitting: NEWREZ LLC D/B/A SHELLPOINT MORTGAGE SERVICING Ex.#

7

Admitted: Yes or No (circle one)

Debtor: Samuel Fitzgerald Worrell

Case No.: 21-20622-PDR

Nature of Hearing

Docket No: [DE-26]

Secured Creditor’s Motion for Relief from Stay

United States Bankruptcy Court

Southern District of Florida

Dated _____________ , 2022.

By:_____________________, Deputy Clerk

Case 21-20622-PDR Doc 51-7 Filed 03/04/22 Page 1 of 5
SEE REVERSE SIDE OR ATTACHED FOR AN IMPORTANT STATEMENT OF YOUR RIGHTS.

Principal Balance: $302,331.95

Property: 7420 NW 41ST CT

LAUDERHILL, FL 33319

01/28/2020

Phone Number: 866-214-5733

Fax: 866-467-1187

Email: Lossmitigation@shellpointmtg.com

Mon - Thurs: 8:00AM-6:00PM

Fri: 8:00AM-5:00PM

P.O. BOX 51850

LIVONIA MI 48151-5850

RETURN SERVICE REQUESTED

SAMUEL H WORRELL

DONNA L WORRELL

7420 NW 41ST CT

LAUDERHILL FL 33319-3902

Dear Homeowners:

Thank you for contacting us about your mortgage. You were evaluated for mortgage payment assistance based on the eligibility

requirements of Federal National Mortgage Association, the owner of your mortgage loan, whose address is 3900 Wisconsin Ave, NW,

Washington, DC 20016-2892.

We evaluated you for the following loan modification product(s). Based on our review of your loan, property and financial circumstances,

you are not eligible for the following loan modification due to the following reason(s):

• Standard Modification – Your loan is not eligible for a modification because your post-modification payment would be greater

than your existing payment. In order to be eligible for this program, the post-modification payment must be less than the

existing mortgage payment.

Other potential options to avoid foreclosure. We understand that you may be facing financial difficulties. While Shellpoint is not able

to approve you for a loan modification, we may have other programs available to help.

While it may be difficult to make the decision to leave your home, you are conditionally approved for the programs listed below. These

can allow you a fresh start toward a new home, and may even pay you to help cover relocation expenses. Please call us at 866-214-5733

to discuss further documentation required for these programs in order to be fully approved.

• Short Sale – A short sale involves the sale of the home for less than the balance you owe. If the owner of your loan agrees to a

short sale, you can sell your home and pay of all (or a portion of) your balance with the proceeds.

• Deed-in-Lieu of Foreclosure – With a Deed-in-Lieu of Foreclosure, you transfer the title of your property to the owner of your

mortgage in exchange for a release from your loan and payments.

The most important thing is to avoid foreclosure, but there are other benefits to the fresh start options that may be available to you.

Benefits include:

• Eliminate your remaining mortgage debt

• Avoid the negative impact of a foreclosure

• May be eligible for relocation assistance

• Start repairing your credit sooner than if you went through a foreclosure

• Flexible exit options let you leave the home immediately, or consider other ways to transition

If you can, please pay in full immediately. We recognize that being denied for a loan modification may be disappointing news for you.

However, in order to avoid additional expenses resulting from late payments and to avoid foreclosure, it is important that you make the

full payment listed above or contact us regarding the additional option we presented above as quickly as possible.

Remember, your mortgage payment was due on 05/01/2015 and has accrued late charges of $0.00. To avoid additional foreclosure

activity, it is important that you make your full mortgage payment and late charges in the amount of $135,995.88 immediately.

Please send your payment to:

Shellpoint Mortgage Servicing

P.O. Box 740039

Cincinnati, OH 45274-0039

Case 21-20622-PDR Doc 51-7 Filed 03/04/22 Page 2 of 5
If your mortgage loan is reinstated and you subsequently experience a financial hardship, you may contact us to request reconsideration

for mortgage payment assistance or other alternatives to foreclosure.

If you have questions about this letter and how to reinstate your mortgage, please contact us at 866-214-5733. If you have concerns about

the evaluation of your mortgage for foreclosure alternatives, then please contact Erika Loera at 866-825-2174.

Making decisions about your mortgage when you’re facing financial challenges can be uncomfortable. With so much information

available, it’s hard to know where to turn. Shellpoint is ready to assist you in exploring the best option for your individual situation!

For future communications regarding the status of your loan or your application for loss mitigation, you may contact your SPOC (Single

Point of Contact) by phone at 866-825-2174 ext. 14582. Alternatively, you may visit our Borrower Web Portal at

www.shellpointmtg.com or email your SPOC directly at eloera@shellpointmtg.com.

Additional Resources:

For a list of HUD-approved housing counseling agencies that can provide free foreclosure prevention and debt management

information, as well as translation or other language assistance, contact one of the following federal government agencies.

• Visit http://www.knowyouroptions.com/

• The U.S. Department of Housing and Urban Development (HUD) at (800) 569-4287 or www.hud.gov/counseling

• The Consumer Financial Protection Bureau (CFPB) at (855) 411-2372 or www.consumerfinance.gov/mortgagehelp

Sincerely,

Loss Mitigation Department

Shellpoint Mortgage Servicing

Case 21-20622-PDR Doc 51-7 Filed 03/04/22 Page 3 of 5
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color,

religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or

part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right

under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is:

Federal Trade Commission, Equal Credit Opportunity, 600 Pennsylvania Avenue, NW, Washington, DC 20580.

Under federal law, you have the right to obtain a free copy of your credit report from Transunion LLC, the consumer reporting agency

who provided us the credit report, within 60 days of this notice.

You have a right to dispute any inaccurate information in your credit report. If you find mistakes on your credit report, contact the

consumer reporting agency. It is a good idea to check your credit report to make sure the information it contains is accurate. Your credit

score was obtained with your permission from TransUnion LLC on 01/22/2020. Below is their contact information:

Obtain Credit Report For Disputes

TransUnion LLC TransUnion LLC

P.O. Box 1000 P.O. Box 2000

Chester, PA 19016-1000 Chester, PA 19016-2000

Toll-Free: 800-888-4213 Toll-Free: 800-916-8800

Under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide consumer reporting agencies

once a year.

To order your free annual credit report—

By telephone: Call toll-free: 1-877-322-8228

On the web: Visit www.annualcreditreport.com

By mail: Mail your completed Annual Credit Report Request Form (which you can obtain from the Federal Trade Commission’s web site

at https://www.consumer.ftc.gov/articles/pdf-0093-annual-report-request-form.pdf) to:

Annual Credit Report Request Service

P.O. Box 105281

Atlanta, GA 30348-5281

Notice to the Loan Modification Applicant In connection with your application for a loan modification, the lender must disclose to you

the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the key

factors affecting your credit scores. The credit score is a computer generated summary calculated at the time of the request and based on

information that a consumer reporting agency or lender has on file. The scores are based on data about your credit history and payment

patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan. They may

also be used to determine what interest rate you may be offered on the mortgage. Credit scores can change over time, depending on your

conduct, how your credit history and payment patterns change, and how credit scoring technologies change. Because the score is based on

information in your credit history, it is very important that you review the credit-related information that is being furnished to make sure

it is accurate. Credit records may vary from one company to another. If you have questions about your credit score or the credit

information that is furnished to you, contact the consumer reporting agency at the address and telephone number provided with this

notice, or contact the lender, if the lender developed or generated the credit score. The consumer reporting agency plays no part in the

decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan

application. If you have questions concerning the terms of the loan modification, contact the lender.

Please read the following important notices as they may affect your rights.

NewRez LLC dba Shellpoint Mortgage Servicing is a debt collector. This is an attempt to collect a debt and any information obtained will

be used for that purpose. NewRez LLC dba Shellpoint Mortgage Servicing’s NMLS ID is 3013.

If you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice

is to advise you of the status of your mortgage loan. This notice constitutes neither a demand for payment nor a notice of personal liability

to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be

subject to the automatic stay of Section 362 of the United States Bankruptcy Code. However, it may be a notice of possible enforcement of

the lien against the collateral property, which has not been discharged in your bankruptcy.

Attention Servicemembers and Dependents: The federal Servicemembers Civil Relief Act and certain state laws provide important

protections for you, including interest rate protections and prohibiting foreclosure under most circumstances during and twelve months

after the servicemember’s military or other service. Counseling for covered servicemembers is available from Military OneSource

(800-342-9647) and the United States Armed Forces Legal Assistance or other similar agencies. For more information, please visit the

Military OneSource website www.militaryonesource.mil/.

Notice of Error or Information Request Address: You have certain rights under Federal law related to resolving errors in the servicing

of your loan and requesting information about your loan. If you want to request information about your loan or if you believe an error has

occurred in the servicing of your loan and would like to submit an Error Resolution or Informational Request, please write to us at the

following address: Shellpoint Mortgage Servicing P.O. Box 10826 Greenville, SC 29603-0826

A successor in interest is someone who acquires an ownership interest in a property secured by a mortgage loan by transfer upon the death of a

relative, as a result of a divorce or legal separation, through certain trusts, between spouses, from a parent to a child, or when a borrower who

is a joint tenant or tenant by the entirety dies. If you are a successor in interest, or you think you might be, please contact by phone, mail or

email to start the confirmation process.

Our system of record has your preferred language as English.

Case 21-20622-PDR Doc 51-7 Filed 03/04/22 Page 4 of 5
If you prefer to receive communication in a language other than English, please contact us at 866-214-5733 to speak with a translator

in your preferred language about the servicing of your loan or a document you received.

Si prefiere recibir las comunicaciones en otro idioma que no sea el inglés, por favor, contáctenos en el 866-214-5733 para hablar con un

traductor en el idioma de su preferencia sobre la gestión de su préstamo o cualquier documento que haya recibido.

866-214-5733,

Please note that we operate as NewRez Mortgage LLC dba Shellpoint Mortgage Servicing in Arkansas and Texas.

Case 21-20622-PDR Doc 51-7 Filed 03/04/22 Page 5 of 5