In 2012, The Bank of New York Mellon Trust Company, National Association ("BONY") succeeded to HMS's rights under the Mortgage. Barnes fell behind on her payments, and Ocwen Loan Servicing, LLC ("Ocwen"), acting on behalf of BONY, sent a notice of default to Barnes (the "Notice") which provided: "You may have the right to assert in court the non-existence of a default or any other defense to acceleration or foreclosure."