Professional Documents
Culture Documents
150
CALIFORNIA STREET
May 22,2015
Re:
HSBC Bank USA, National Association as Trustee for GSAA Home Equity Trust 2005-15, AssetBacked Certificates, Series 2005-15 I Bryant, Tim A. and Michelle M.
Pursuant to Massachusetts General Laws, Chapter 244, Section 14, as amended, enclosed is a copy of the
Notice of Mortgagee's Sale of Real Estate. Also enclosed is a Deficiency Notice.
This notice is provided to you because an examination of the record title shows that you held an interest
record in the property thirty (30) days prior to the sale.
of
If you want to reinstate or payoff the mortgage, you may order a reinstatement or payoff 24 hours a day
on-lin" by going to www.hloreinstatement.com or to www.hlopayoff.com. Please follow the instructions
contained on the web page. Please note that only requests made by owners, borrowers, mortgagors and
authorized parties will be processed. You may also contact us during business hours to request a
reinstatement or payoff by calling (617) 558-0598. When completing the on-line form or when calling
our office, please reference your Case Number 201202-0994, so that we may process your request more
quickly.
Our experience has shown us that you are likely to benefit if you allow qualified bidders at the foreclosure
sale to enter and inspect the premises. This may result in a higher purchase price. If you are willing to allow
qualified bidders to enter and inspect the premises, please be present at the time of the foreclosure sale.
HSBC Bank USA, National Association as Trustee for GSAA Home Equity Trust 2005-15, Asset-Backed
Certificates, Series 2005-l 5
Present holder of mortgage
By its Attorney,
Harmon Law Offices, P.C.
AFF,NRA/2O
202-0994/Enclosure
}lday 22,2015
To:
accordance
National Association as Trustee for GSAA Home Equity Trust 2005-15, Asset-Backed Certificates, Series
Z0O5-I5, on or after June 24,2015,
mortgage held by it on property situated at 80 Bradford Drive, Feeding Hills (Agawam), Massachusetts, said
mortgage dated Septemb er 23,2005, and recorded with the Hampden County Registry of Deeds at Book
15365, Page 423, said mortgage given to secure a note signed by you, for the whole or part of which you
may be liable to HSBC Bank USA, National Association as Trustee for GSAA Home Equity Trust 2005-15,
Asset-Backed Certificates, Series 2005-15 in case of a deficiency in the proceeds of the foreclosure sale.
No deficiency after the foreclosure sale may be pursued if you have obtained or will obtain a Chapter
7 bankruptcy discharge that covers your obligation under the note secured by the mortgage referred to above.
AFFt201202-0994
(Pagel ol
72]-
7tt
Prcpred br: ALIC^ CRPOSTOMO
IOAN T; 114?26037
ly'" ADTSTABLE
(OneYcar
gEPTEMBER
23,
SIIJIS
lCityl
2005
TEEDING
IDlt!I
DR, FEEDING
{PFDsly
l-
ttrLlS,
MASSACHUSETIS
l$rc,
l.rA 0103c-2728
Addwl
RATE NoTE
$ 228, 000. 00
2. INTEREST
Iotorcst will bc chugpd
ratc
of
or
prirc,pal urtil &d firll ur*ount of Piincipal has becn p&id. I will p&y intclctt at a ycatly
I will pay may chungc io accordrnoo widr Soction 4 of thb No{e,
Sccrion 2 and Scction 4 of this Notc is the ratc I will pay bolh bsforc rod aftcr uny dcfault
3, PAYMENIS
(A) Tlmc end Place of
I rlill makc a psymcnt on thc
Bcforc he Fir*t Prinsipal rnd
ths iDtercfl duc on thc unpaid
irst
on
I will
make my mon[rly
ocroBER
01, 2035
,t
ofprincipal afld intrrcst beginning on lhe First Principal aod Intcrcst P8ymcnt Duc D0lc
lhcsc payrnsne cvcry nonlh until J hevc paid oll of thc principd and inorsst
that I may orvs undcr thi,s Nolc. Bach monthly p{ymcnl will bc applicd as of its
inclrrrlcs borh principal rnrl in(ercst, ir will be applied to intcrcst bcforc Principal, I( on
owc amo0nb undcr this Note, I witl pay Ihose a$ounls in full on lhat drtc, $hich is crlled
I will fiukc
rhe'lvlautrity Datc."
I witl 6ake my rnonlhly
?5266-0694
Nolc Holdci.
Pst''lcnh
fiis
Notc,
coNv
iltililllllll
.2390r'
N
n*.,sL
lNttx
Plip t ol4
2D00s-xx 101r00'tdl
6lA
901 ffi1
tlffi
ilffi ilf,$fl
!
il
ffi
I I 4 7260070000020806'
lPagez ol 72)
a
r!'
IJOAN
4, ADJUSTADLEINTENSST
(A) Chrngc Drtrs
Thc iritisl nrcd inlcrc$! ratc I
OCToBER. 201.0 , and lhc
ddD on wlich my initial fixcd
rac couH changc, is catlcd a
(B) Thc Indcx
Bcginning wilh thc firat
inErbank offcrcd nhs for orrc'ycrt
Street JounnLlhe rfirsl ftccnl
AND
t: 1r{?2503?
my adjustablc intercet ratp will bc bucd m an lndex. Thc ''lndcr." is tho 0vcrogc of
dolltr-dcnominaed dcJrosite in ilc Irndon ma*et (LI8OR). as publi$ed nlhc Wall
figurc evailablc as of the datc 45 days bcforc cach Cbange Datc iN callod thc "cuncnt
,
Irxlcx,"
lhc Nolc Holrlcr will chooce a now indpx that h ba.:c.d upon compt'eblo informetion
choicc.
TI{O
'
Dornts( 2.250
ONE-QUARTER
2.250
96.Thctcrfer.my
than
79
.625
rk)tothcCurrcntIndcr.ThcNooHoldet will
thco
nearcn onc-cighlh of onc pcrgcntsgc poin! (0.125%). Subicci to &e limi$ strlc.d in
will be my ncw inlcrcst rats unril ths ocxl Chdlgc Dstc.
r 0rc amount of Oc moothly pEymcnt 6al would bc srrflrcicrrl l,o rcpay lhc unpoid
lhim
%,
effcctivc oo cach Change Datc. I will pay lho 0mount of my ncw moDlhly payolcnt
dals aflcr thc Chsngc Datc unlil thg Errount of my monthly Paymcnl dlangcs e8aln.
bcginning on thc frst monthly
(trJ Noticc of Chsngcr
in my intcrcsr nlc 8nd/or monthly paymcnl, thc Notc llolder will dclivcr or mail to
Before tlrc eflectivc dstc of any
will includc informslion rtquired by law 10 bc givcn rr mc and al.so thc tiilc and
mc a noticc of such changc. Thc
ucwcrany qucstion t may have rcgnding thc Kltice.
lplcphonc number of a pcrcor who
(G) Datc of l'trsl Priocipsl
Inlrrcst Paymcnt
of borh principal aad intorc,st on lhig Notc (dlc 'First Principal and Intcest
Thc drrc of my finl prymcn!
paymcnt date aflcr the fir* Chango Dotc
P&ymcnt Dus Da{e") rhall be thc
5. BOI'ROWER'S RIGHTTO
I hnvc rhc right to rnokc
"Prcpaymcnt." Whcrt I tmkc a
paymcnt as a Prcpayment if I have
I may makc r full Prcpay(tlcllt
my Prcpaymcnls to rcducc lhc
Prcpaymcnr to fts sccrucd and
Principal smount of tho Noo,lf I
unlc,ss thc Notc HoldcraSrccs in
,psymcnts mnsist only of lntcrsl,
of Principal at any tirno bcfore tbcy ue due. A paymcnt of Pdncipal only is known 8s a
ncnt, t vjll tcll thc Note Eolder in writing $at I am tloing ro. I may nor dcsigrratc a
mEdc all the monrhly prymcnts duc under this Notc.
r pertial Pquyrncnr. *itttout paying any prtpsymcnt ciuge. Tho Non Holder will use
of Principal that I owo undor thit Nota. Howcvcr, *Ie Nole Holdcr rnay spply my
inorest on the Prcpaymcnt smount beforc applying lny Prcpaymcnt o rcducc thc
o panial PrcpaymonL ftere win bc no changcs in olc duc datc 0f my ntonlhly paymenls
to rhosc changx. If tlrc partial Prcpayment is nrade during 6o period whon my monthly
rmouot of lha mondrly payment will dccrcasc fot thc rcmaindcr of illc tetm whcn my
c partful PrcPaymant ii rndc dnring thc pcriod wtren rry paynrent's consist of principal
rcducc (hc 0mou0! of my monthly paytlenLJ after thc firs! Chango Dore following my
due to my partlal Prepoynrunl
6. LOAi{CUARCI:S
It a lrw, which rppliEs to lhis
losn chsrgos colloctcd or lo bs
shall bc nduccd by lhe smount
me thlt er$cdcd petnillcd limih
Priocipd I owc uodcr UfB Nole or
as I p8(tial PrcP[ymcnt.
lor
coNv
and nhich $c[s marimum loan chargc.s, is fnully intcrprctc{l ro f}at lhc intslcsl or olhcr
in cgnnccFon with lhis loan exceed fte pcrmittcd limitr, rhcn: (a) any such loan charge
to rcduce Uc chatgc lo thc pcrmillcd linit; and (b) ony rirrms alresdy coltec{ad from
bc rcfundcxl to mc, Thc Notc Hotdcr may cbmsc lo .n8kc lhis rcfund by rcducilg lle
a dinct paymelt to flc, If a rcfud rcxluccs PrinciPal, the reducdon will bc ftealed
makilg
7. BORROWER'S FAILURE TO AY
(A) Lrac Chrrgs
mly
REQUIRED
^S
Pcymcnls
crlcndar
FTFTEEN
lhc full rmounl of any monthly psymmt by the cnd
3 . 000 % of my
a talc cha{gc to ftc Note l-loldcr. Thc 0rnount of thc charge will
rc period w-hon my poymont is intorcg ctly, and of principsl rtld inrcrcsa thctcsfcr. I will
of
one
be
will
be in dcfault'
trr,&
(Page
3 or
72)
a
LOAN
(C) Noalcc of D$fault
If I am in dcfsull lhc Norc
certain da&, lhc Notc Holdcr msy
t{ul(
thc Notc Holder does nor rcquirc mc o pay immediatcly in full as doscribcd obove
to do so if I am in dcfiult st s latc.r lirrc,
rnd Expenscs
u: pay immediarly in full as de,scdbcd abovc, t}c Noo l{oldcr will htvc thc right l0 bo
cxlrascs in cnfocing tiis Nolc to U|c Crtcnl not prohibilcd by af,pl,crbb lsw, Those
attorneys'feo,1,
GIVING OF NOTICES
Unlcrs applicablc larv rcqulrcB
9. OBLIGATIONS OF PERSONS
If morc thrn onc pcrson siBns
this Noe, including the prcmioe to
alro obligatcd to do $esc ftings,
or cndorser of lllis Note, is rlso
undcr 0tis Notc against crch pcrson
pqy oll of th ar'noun$ owed undcr
10,
114?2503?
may send mc o writtcn noficc l,clting mc thrt if I do not pay tho ovcrduc amount by a
mc 1o pay immcdiatcly lhc full unount ofPrincipol ft01 hae nol beo peid anrl sll thc
da(e must be st lca$ 30 days afrcr rhc datc on which thc nodce is mailcd to me or
t.
ll:
waIvERs
I rd any orhcr pcnorl
who
"Prosenunenr' rneans the righ! to
right ro rquirc Oc Notc Holdcr lo
diffcrcnt mshotl, any noticc tftar muil be dvco lo mc un&r tbi6 Noro will bc given by
mail lo mc B! lhc Propcrty Addrcss abovc or at a different add!6s if J givc lhc Note
diffcrcnt mcrhod, any nolicc lha. rnusr bc givcrt (o tic Noc llolde! uorlcr this Nog will
!o the Noo Holdcr u thc oddress slaicd in Scction 3(A) aboyo or at a differcna .ddrEss
THTS NOTE
Notc, coch pnon i[ frllly snd pcrsordly obligeted to lcccp all of thc pmmissr madc in
[re full aspunt owod. Any pceon who is a gouanor, Nultty ot cndorset of lhis Nolc irl
prson wfto hkcs ovcr thcsc obtigdion8, iflcluding thc obli8aliocs of a 8u8runtor, rorety
cd lo kccp all of Oc prcniBes madc in rhis Nolc. ltc ltrc Holdd may enforcc ils rights
or sgainst sll of us togcahcr, Thir mcars tlrat any onc of us may be rcquirod to
Notc.
obligstions under this Nob waivc lbc righ(s of Prc*ntmcn! and Noticc of Dishonor,
lhc Nolc Holdcr to demand psy.Dcnr ofamounlq duc, 'Noticc of Dishonor" mcant lhe
nolicc lo othcr pcrsons thll amounl'i due havc not bccn paid.
t&c
ooNv
o MttrflsT lE htq6tody AU.USTTELE
2Dotxx (04/03)
mu
0r
in Scclion 4 abovc,
llcncllcirl Intcrost tn Borrower, ,{,s uscrJ in this Scction 18, "Inorcst in thc
intcrcs! in lhe Pt$pcrry, iocludint, but not limited io, those bcncficial
dccd, cootao for docd, irstsllmcnt rslcs conliactor escorv agrccmcoq thc intcnt of
8t a ftrtrrc dale
bI
purchascr,
nlc changcs ro an adjusmblo inlerc,st rare undcr llte tcrms slsrcd ifl Sectron 4 0bove,
Inslrumcnt daJcribcd in Soction I l(A) abovc ihail theo ccase to bc in cffcat, and Uniform
shall instead read a* follows:
or r S0ncficisl lntcrcst in llorruner, As uscd in this Scrdon 18, 'Intcrcst in lhc
bcflcficial lntcrcst in thr Propcrty, including, but no( limitcd to, tho$c beneflcidl
decd, contr8cl Ior dccd, itstEllmeflt sales conlract o{ osctow agtEcmgn! 09 inicnt of
at a fururc datc lo a purchascr.
(Pr!e4 ol
72)
e
7
LOAN
{:
114'?2603?
]perry or any Inlctcs1 io the Propcrly is sotrJ or transfctrcd (or if Bonowcr i8 nol 0
itrterist ir dorruwet is told or tran$fsrcd) without lande/s prior wriltcn contenl'
natural pereon and n
lymcnt in full uf all rums scsrcd by thir Sccurity Inslrumcnl' Hov,evcr, lhit optiotl
Lcrdcr may rcquire i
ii euoh orcrcicc is ptohibilcd by Applicblc law, Lcndcr also ihall not exstcisc lhis
llholl not bc r,xcrcitcd by
be submirted to i*nder i.lfonnatioil rcquirsl by Londcr m evrlurle Uc inlcoded
oplist if: (a) Bormwor causar
bcing marlo to the usosfcrec; orld (b) Lendcr $0$odably iletctmincs lhnt Lnde/t
t sr$(e$3 u if a ncw loart
tho l-oan osrunrptlon and thar tho rieh of a bodr of uty covcn8nt or a8lromc'lt in
socurity will not be impoircd
t0 Lcndcr.
this Sccurily hrstrur[ont io
Applicable Law, Irnder may chargq a re8$olDbls fec t$ 0 corldifon lo Lendet't
To thc BrEtrr pergtlucd
to tJiSo sn ss$umption o8.t"q9u:: thtt i:
LiiOc, tay alro rcqriit rh*
conScnt to (hc loE l
and
rtre-rrirnitcroe rb kcep rll thc pomisce anrt agrcomort.t madc iu tftc Notc
scccplablc t0 l,ndcr rnd lhot
will con[rruc ro bc obligatcd utdc( 0lc Nou end this Ser:urity ]nlt$mcnl
in this Security Inslntrnen!
u*tl",*
unlcs$
[$dcr
rclceScs
If
rutrt.
h writing.
rc'r,cquitu irilnodislc peytr'cot
pJoU ot
sil*
i1.i1oi-9":
If Bonov/et fails,to
llris Sd'iry
pcrtlillc{r
by
oi-,rtto pLi"r. frnder nuy invokc atty rcn*dies
or dcmartl onSorrowct.
a
OF THB UNDERSIGNBD.
t26'/-,zr
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