Section 100(2)(b) in Jammu and Kashmir Co-Operative Societies Act, 1989
(b)notice in writing requiring payment of such mortgage money or part thereof has been served upon -(i)the mortgagor;(ii)any person who has any interest in or charge upon the property mortgaged or in or upon the right to redeem the same;(iii)any surety for the payment of mortgage debt or any part thereof; and(iv)any creditor of the mortgagor who has in a suit for the administration of his estate obtained a decree for sale of the mortgaged property;