OSWEGO COUNTY
SUMMONS
Supplemental Summons and Notice of Object of Action Supreme Court Of The State Of New York County Of Oswego ACTION TO FORECLOSE A MORTGAGE Index #: EFC-2025-0215 U.S. Bank Trust National Association Not In Its Individual Capacity But Solely As Owner Trustee For RCF 2 Acquisition Trust Plaintiff, vs Asset Management, Bank Of America, N.A., Successor By Merger To Fleet National Bank, Schroeppel Town Court, Sustainable Neighborhoods Llc, New York State Department Of Taxation And Finance, University Radiology Associates, LLP, Jessica Lovette As Heir To The Estate Of Joel Lovette, Unknown Heirs Of Joel Lovette If Living, And If He/She Be Dead, Any And All Persons Unknown To Plaintiff, Claiming, Or Who May Claim To Have An Interest In, Or General Or Specific Lien Upon The Real Property Described In This Action; Such Unknown Persons Being Herein Generally Described And Intended To Be Included In Wife, Widow, Husband, Widower, Heirs At Law, Next Of Kin, Descendants, Executors, Administrators, Devisees, Legatees, Creditors, Trustees, Committees, Lienors, And Assignees Of Such Deceased, Any And All Persons Deriving Interest In Or Lien Upon, Or Title To Said Real Property By, Through Or Under Them, Or Either Of Them, And Their Respective Wives, Widows, Husbands, Widowers, Heirs At Law, Next Of Kin, Descendants, Executors, Administrators, Devisees, Legatees, Creditors, Trustees, Committees, Lienors, And Assigns, All Of Whom And Whose Names, Except As Stated, Are Unknown To Plaintiff, People Of The State Of New York, United States Of America On Behalf Of The IRS John Doe (Those unknown tenants, occupants, persons or corporations or their heirs, distributees, executors, administrators, trustees, guardians, assignees, creditors or successors claiming an interest in the mortgaged premises.) Defendant(s). Mortgaged Premises: 28 Cherry Street Phoenix, NY 13135 To the Above named Defendant: You are hereby summoned to answer the Complaint in this action, and to serve a copy of your answer, or, if the Complaint is not served with this Supplemental Summons, to serve a notice of appearance, on the Plaintiff(s) attorney(s) within twenty days after the service of this Supplemental Summons, exclusive of the day of service (or within 30 days after the service is complete if this Supplemental Summons is not personally delivered to you within the State of New York). In case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the Complaint. The Attorney for Plaintiff has an office for business in the County of Erie. Trial to be held in the County of Oswego. The basis of the venue designated above is the location of the Mortgaged Premises. TO Unknown Heirs of Joel Lovette, Defendant In this Action. The foregoing Supplemental Summons is served upon you by publication, pursuant to an order of HON. Gregory R. Gilbert of the Supreme Court Of The State Of New York, dated the Thirtieth day of April, 2026 and filed with the Complaint in the Office of the Clerk of the County of Oswego, in the City of Oswego. The object of this action is to foreclosure a mortgage upon the premises described below, dated April 8, 2004, executed by Joel Lovette (who died on July 3, 2025, a resident of the county of Oswego, State of New York) to secure the sum of $40,000.00. The Mortgage was recorded at Instrument Number R-2004-004937 in the Office of the Oswego County Clerk on April 18, 2004. Said Mortgage was subsequently modified by a Loan Modification Agreement executed by Joel Lovette on May 24, 2006 and recorded June 25, 2007 in Instrument Number R-2007-007793 in the Office of the Oswego County Clerk. The mortgage was subsequently assigned by an assignment executed April 25, 2006 and recorded on May 4, 2005, in the Office of the Oswego County Clerk at Instrument Number R-2006-005054. The mortgage was subsequently modified on February 1, 2018. The mortgage was subsequently assigned by a corrective assignment executed April 21, 2021 and recorded on April 22, 2021, in the Office of the Oswego County Clerk at Instrument Number R-2021-004502. The mortgage was subsequently assigned by an assignment executed March 3, 2023 and recorded on April 24, 2023, in the Office of the Oswego County Clerk at Instrument Number R-2023-003364. The mortgage was subsequently assigned by an assignment executed March 31, 2023 and recorded on April 24, 2023, in the Office of the Oswego County Clerk at Instrument Number R-2023-003365. The property in question is described as follows: 28 Cherry Street, Phoenix, NY 13135 NOTICE YOU ARE IN DANGER OF LOSING YOUR HOME If you do not respond to this summons and complaint by serving a copy of the answer on the attorney for the mortgage company who filed this Foreclosure proceeding against you and filing the answer with the court, a default judgment may be entered and you can lose your home. Speak to an attorney or go to the court where your case is pending for further information on how to answer the summons and protect your property. Sending a payment to your mortgage company will not stop this foreclosure action. YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE PLAINTIFF (MORTGAGE COMPANY) AND FILING THE ANSWER WITH THE COURT. DATED: May 12, 2026 Gross Polowy LLC Attorney(s) For Plaintiff(s) 1775 Wehrle Drive, Suite 100 Williamsville, NY 14221 The law firm of Gross Polowy LLC and the attorneys whom it employs are debt collectors who are attempting to collect a debt. Any information obtained by them will be used for that purpose. 90200
