Foreclosure action against Joseph P. Lovern for unpaid mortgage.

STATE OF NEW YORK SUPREME COURT COUNTY OF NIAGARA MIDFIRST BANK, Plaintiff, vs. JOSEPH P. LOVERN, if living, and if he be dead, his respective heirs-at-law, next of kin, distributees, executors, administrators, trustees, devisees, legatees, assignees, lienors, creditors and successors in interest, and generally all persons having or claiming under, by or through said who may be deceased, by purchase, inheritance, lien or otherwise, any right, title or interest in and to the premises; BETHANY LOVERN; NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE; UNITED STATES OF AMERICA O/B/O INTERNAL REVENUE SERVICE; Defendants. Filed: 01/14/2026 Index No.: E188440/2025 SUPPLEMENTAL SUMMONS Mortgaged Premises: 20 Allen Street North Tonawanda, (City of North Tonawanda) NY 14120 TO THE ABOVE NAMED DEFENDANTS: YOU ARE HEREBY SUMMONED to answer the Complaint in the above entitled action and to serve a copy of your Answer on Plaintiff's attorney within twenty (20) days after the service of this Summons, exclusive of the day of service, or within thirty (30) days after completion of service where service is made in any other manner than by personal delivery within the State. The United States of America, if designated as a Defendant in this action, may answer or appear within sixty (60) days of service hereof. In case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the Complaint. NOTICE OF NATURE OF ACTION AND RELIEF SOUGHT THE OBJECT of the above captioned action is for the foreclosure of: Mortgage bearing the date of October 12, 2018, executed by Joseph P. Lovern to Mortgage Electronic Registration Systems, Inc., as nominee for Pacific Union Financial, LLC to secure the sum of $93,279.00, and interest, and recorded in the Office of the Clerk of Niagara County on October 12, 2018 in Instrument # 2018-17936. That Mortgage Electronic Registration Systems, Inc., as nominee for Pacific Union Financial, LLC duly assigned said Note and Mortgage to MidFirst Bank, A Federally Chartered Savings Association by Assignment dated March 7, 2022 and recorded on March 17, 2022 in the Office of the Clerk of Niagara County in Instrument # 2022-05184. The relief sought in the within action is a final judgment directing the sale of the Mortgaged Premises described above to satisfy the debt secured by the Mortgage described above. Plaintiff designates Niagara County as the place of trial. The basis of venue is the County in which the Mortgaged Premises is situated. Section: 181.27 Block: 1 Lot:65 DATED: November 3, 2025 Rochester, New York 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. BY: Sean P. Williams, Esq. DAVIDSON FINK LLP Attorneys for Plaintiff 400 Meridian Centre Blvd., Ste. 200 Rochester, New York 14618 Tel: (585) 760-8218 WE ARE ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. SCHEDULE A LEGAL DESCRIPTION ALL that tract or parcel of land, situate in the City of North Tonawanda, County of Niagara and State of New York, being part of Lot No. 72 of the Mile Reserve and according to a Map made by B.F. Betts and filed December 23, 1889 in Niagara County Clerk's Office now in Book 16 of Microfilmed Maps, page 1572, is known and distinguished as Lot No. 19, Block G, situated in the northwest line of Allen Street and being 42 feet front by 137.92 feet in depth along the west line, as shown on said map. N#359168 2/13,20,27, 3/6/2026