Foreclosure action against Tracy Krajas and George S. Krajas regarding 107 Crystal Avenue.

Supplemental Summons and Notice of Object of Action

Supreme Court Of The State Of New York County Of Erie Action To Foreclose A Mortgage Index #: 815070/2025 U.S. Bank Trust National Association Not In Its Individual Capacity But Solely As Owner Trustee For RCF 2 Acquisition Trust Plaintiff, vs Tracy Krajas AKA Tracy Anne Krajas, George S. Krajas, JR. 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, Capital One Bank (USA), N.A., Portfolio Recovery Associates LLC, Lackawanna City Court, Boston Town Court, Hamburg Town Court, New York State Department Of Taxation And Finance, 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: 107 Crystal Avenue Buffalo, NY 14220 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 Erie. The basis of the venue designated above is the location of the Mortgaged Premises. TO George S. Krajas, Jr. Defendant In this Action. The foregoing Supplemental Summons is served upon you by publication, pursuant to an order of HON. John David Sampson of the Supreme Court Of The State Of New York, dated the Seventeenth day of February, 2026 and filed with the Complaint in the Office of the Clerk of the County of Erie, in the City of Buffalo. The object of this action is to foreclosure a mortgage upon the premises described below dated August 19, 1993, executed by Tracy Krajas AKA Tracy Anne Krajas and George S. Krajas, Jr. to secure the sum of $64,000.00. The Mortgage was recorded at Book 12215, Page 752 in the Office of the Erie County Clerk on August 19, 1993. The mortgage was subsequently assigned by an assignment executed October 31, 1995 and recorded on January 5, 1996, in the Office of the Erie County Clerk at Book 12691, Page 4594. Said Mortgage was subsequently modified by a Loan Modification Agreement executed by Tracy Krajas AKA Tracy Anne Krajas on March 16, 1999 and recorded October 4, 1999 in Book 12857, Page 4261 in the Office of the Erie County Clerk. The mortgage was subsequently modified on August 12, 2010. The mortgage was subsequently assigned by an assignment executed October 28, 2014 and recorded on December 2, 2014, in the Office of the Erie County Clerk at Book M13704, Page 3310. The mortgage was subsequently assigned by an assignment executed November 5, 2014 and recorded on December 2, 2014, in the Office of the Erie County Clerk at Book M13704, Page 3313. The mortgage was subsequently assigned by an assignment executed September 23, 2020 and recorded on September 29, 2020, in the Office of the Erie County Clerk at Book M13957, Page 8754. The mortgage was subsequently assigned by an assignment executed December 18, 2020 and recorded on January 6, 2021, in the Office of the Erie County Clerk at Book M13973, Page 6406. The mortgage was subsequently assigned by an assignment executed August 10, 2021 and recorded on August 19, 2021, in the Office of the Erie County Clerk at Book M14010, Page 5339. The mortgage was subsequently assigned by an assignment executed March 11, 2022 and recorded on July 20, 2022, in the Office of the Erie County Clerk at Book M14060, Page 5519. The property in question is described as follows: 107 Crystal Avenue, Buffalo, NY 14220 HELP FOR HOMEOWNERS IN FORECLOSURE NEW YORK STATE LAW REQUIRES THAT WE SEND YOU THIS NOTICE ABOUT THE FORECLOSURE PROCESS. PLEASE READ IT CAREFULLY. SUMMONS AND COMPLAINT YOU ARE IN DANGER OF LOSING YOUR HOME. IF YOU FAIL TO RESPOND TO THE SUMMONS AND COMPLAINT IN THIS FORECLOSURE ACTION, YOU MAY LOSE YOUR HOME. PLEASE READ THE SUMMONS AND COMPLAINT CAREFULLY. YOU SHOULD IMMEDIATELY CONTACT AN ATTORNEY OR YOUR LOCAL LEGAL AID OFFICE TO OBTAIN ADVICE ON HOW TO PROTECT YOURSELF. SOURCES OF INFORMATION AND ASSISTANCE The state encourages you to become informed about your options in foreclosure. In addition to seeking assistance from an attorney or legal aid office, there are government agencies and non-profit organizations that you may contact for information about possible options, including trying to work with your lender during this process. To locate an entity near you, you may call the toll-free helpline maintained by the New York State Department of Financial Services at 1-800-342-3736 or the Foreclosure Relief Hotline 1-800-269-0990 or visit the department's website at WWW.DFS.NY.GOV. RIGHTS AND OBLIGATIONS YOU ARE NOT REQUIRED TO LEAVE YOUR HOME AT THIS TIME. YOU HAVE THE RIGHT TO STAY IN YOUR HOME DURING THE FORECLOSURE PROCESS. YOU ARE NOT REQUIRED TO LEAVE YOUR HOME UNLESS AND UNTIL YOUR PROPERTY IS SOLD AT AUCTION PURSUANT TO A JUDGMENT OF FORECLOSURE AND SALE. REGARDLESS OF WHETHER YOU CHOOSE TO REMAIN IN YOUR HOME, YOU ARE REQUIRED TO TAKE CARE OF YOUR PROPERTY AND PAY PROPERTY TAXES IN ACCORDANCE WITH STATE AND LOCAL LAW. FORECLOSURE RESCUE SCAMS Be careful of people who approach you with offers to "save" your home. There are individuals who watch for notices of foreclosure actions in order to unfairly profit from a homeowner's distress. You should be extremely careful about any such promises and any suggestions that you pay them a fee or sign over your deed. State law requires anyone offering such services for profit to enter into a contract which fully describes the services they will perform and fees they will charge, and which prohibits them from taking any money from you until they have completed all such promised services. § 1303 NOTICE 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: February 23, 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. 89271

COL-BUF-101329