... file a foreclosure action. 422 N.J. Super. at 212; N.J.S.A . 2A:50-56a. The NOI allows the borrower thirty days to cure the ... its noncompliance." Laks , supra , 422 N.J. Super. at 212; N.J.S.A . 2A:50-56a. In overruling Laks , the Supreme Court in Guillaume made clear ...