NOTIE OF SUMMONS -STATE OF NEW YORK SUPREME COURT COUNTY OF MONROE SUMMONS ESL FEDERAL CREDIT UNION, Plaintiff, v. Any unknown heirs to the Estate of RICHARD A. LATOY A/K/A RICHARD ALLEN LATOY, next of kin, devisees, legatees, distributees, grantees, assignees, creditors, lienors, trustees, executors, administrators or successors in interest, as well as the respective heirs at law, next of kin, devisees, legatees, distributees, grantees, assignees, lienors, trustees, executors, administrators or successors in interest of the aforesaid classes of persons, if they or any of them be dead, all of whom and whose names and places of residence are unknown to the plaintiff; FRANK WILLIAM LATOY; DEBORAH NYQUIST; NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE; UNITED STATES OF AMERICA/INTERNAL REVENUE SERVICE; NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE; UNITED STATES OF AMERICA/INTERNAL REVENUE SERVICE, Defendants. Filed: 3/11/2025 Index No: E2025005185 Mortgaged Premises: 103 Britton Road, Rochester, NY 14612, Tax Parcel: 060.52-3-6, City of Rochester, County of Monroe TO THE ABOVE NAMED DEFENDANTS: YOU ARE HEREBY SUMMONED to answer the complaint in this action and to serve a copy of your notice of appearance or answer on the Plaintiff's attorney within twenty (20) days after the service of this Summons, if the complaint is not served with this summons within twenty (20) days after the service of the summons, exclusive of the day of service or within thirty (30) days after service is complete if this summons is not personally delivered to you within the State of New York, or in the case of the United States of America, if named a party defendant herein, within sixty (60) days after service of this summons. In case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in this complaint. NOTICE OF NATURE OF ACTION AND RELIEF SOUGHT: THE OBJECT of the above captioned action is for the foreclosure of: a Home Equity Line of Credit Mortgage dated November 1, 2014 between Richard A. Latoy and ESL Federal Credit Union in the principal amount of $46,500.00, recorded January 13, 2015 in the Monroe County Clerk's Office in Liber 25965, page 687; a Home Equity Line of Credit Mortgage dated April 18, 2022 between Richard A. Latoy and ESL Federal Credit Union in the principal amount of $10,000.00, recorded April 28, 2022 in the Monroe County Clerk's Office in 29854, page 622; a Home Equity Line of Credit Consolidation, Extension, and Modification Agreement executed by Richard A. Latoy in favor of ESL Federal Credit Union, dated April 18, 2022, which was recorded in the Monroe County Clerk's Office on April 28, 2022, in Liber 29854, page 631, to secure the single lien amount of $55,500.00. 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. PURSUANT TO NEW YORK STATE REAL PROPERTY ACTIONS AND PROCEEDINGS LAW SECTION 1320 BE ADVISED: 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. WE ARE ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 4116020 12-10-17-24-31-4t