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If you never received the Act 91 notice, but are in foreclosure, you can apply by getting a copy of the notice from your foreclosure complaint or the mortgage company and telling the counseling agency that you never received the Act 91 notice. Some of the steps have only been baby steps, some only the clarifying of my thoughts about what I want to do. Fluvanna Avenue Jamestown, NY 14701 Universal One Mortgage Corp.
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