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None. At the end of XX/XX/XXXX, we were notified that our Mortgage was assigned to Mr. Cooper, the new Mortgagor. In our notice of assignment, we were guaranteed a smooth transition and were told that we did not need to do anything to facilitate the assignment/transition. The mortgage was transitioned in XXXX. Per the terms of our Mortgage Agreement, we pay our Mortgagor certain additional amounts which are to be held in escrow by the Mortgagor in an escrow account, and used by the Mortgagor to pay our homeowners insurance and property taxes. We received notice from our township in XX/XX/XXXX that our first quarter property taxes were not timely paid, and that interest and penalties had begun to accrue. Our Mortgage Agreement provides that in addition to being obligated to use the