NATIONSTAR MORTGAGE LLC v. STEVEN S. GILBERT et al, EF2022-696, 1 (N.Y. Sup. Ct., Otsego County Oct. 27, 2022) (2024)

`

`FILED: OTSEGO COUNTY CLERK 10/27/2022 01:41 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EF2022-696
`
`RECEIVED NYSCEF: 10/28/2022
`
`NOTICE
`
`YOU ARE IN DANGER
`
`OF I OSING
`
`YOUR HOME
`
`If
`
`you
`
`do
`
`not
`
`respond
`
`to
`
`this
`
`summons
`
`and
`
`complaint
`
`by
`
`serving
`
`attorney
`answer
`
`for
`
`the mortgage
`
`with
`
`the court,
`
`company
`a default
`judgment
`
`who
`
`Afed
`
`this
`
`foreclosure
`
`may
`
`be entered
`
`and
`
`proceeding
`you
`can
`
`of
`
`a copy
`against
`
`the
`
`answer
`
`on
`
`you
`
`and
`
`ining
`
`the
`
`the
`
`lose your
`
`home.
`
`Speak
`
`to an attorney
`to answer
`the summons
`
`or go to the
`
`court
`
`where
`
`your
`
`case is pending
`
`for
`
`further
`
`information
`
`on how
`
`and
`
`protect
`
`your
`
`property.
`
`the forectesure
`
`actlen.
`
`Sending
`
`a payment
`
`to the mortgage
`
`company
`
`wHI
`
`not
`
`stop
`
`YOU MUST
`THE
`PLAINTIFF
`COURT.
`
`RESPOND
`BY SERVING
`(MORTGAGE
`
`A COPY OF THE
`AND
`COMPANY)
`
`ANSWER
`
`FILING
`
`ON THE
`ATTORNEY
`THE
`ANSWER
`WITH
`
`liOR
`THE
`
`Please
`
`lake
`
`to dispute
`
`summons
`the validity
`
`notim
`
`further
`the validity
`and complaint.
`
`that any
`or amount
`
`right
`
`you may
`the debt
`does
`
`of
`
`You must
`
`follow
`
`the instructions
`
`have
`
`pursuant
`
`not
`
`change
`
`to the Fair Debt Collection
`which
`the titne within
`in the summons
`contained
`
`Pmctices
`
`answer
`
`Act
`
`this
`
`you must
`
`even
`
`if you
`
`dispute
`
`or amount
`
`of
`
`the debt.
`
`Dated:
`
`October
`
`3, 2022
`
`Robertson,
`& P
`Crane
`'
`
`Attomey
`
`A
`
`ha
`ners,
`r Plainti
`
`. Schneid,
`LLC
`
`BY:
`
`RA Z.
`ORISKIN,
`[
`[X] ANTHONY
`CELLUCC1,
`} LUCE
`PIERRE-RUSSON,
`[
`} SCOTT
`ESQ.
`R. WElSS,
`[
`] ANNETTE
`SHACHTER.
`[
`900 Memhants
`Concourse,
`NY I 1590
`
`ESQ.
`ESQ.
`ESQ.
`
`ESQ.
`Suite
`310
`
`Westbtny,
`516-280-7675
`
`22444898
`
`- VaG
`
`DraRer:Vanessa
`
`George
`
`2 of 36
`
`

`

`FILED: OTSEGO COUNTY CLERK 10/27/2022 01:41 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EF2022-696
`
`RECEIVED NYSCEF: 10/28/2022
`
`Help for Homeowners in Foreclosure
`
`
`New York State Law requires that we send you this notice about the
`foreclosure process. Please read it carefully.
`
`Summons and Complaint
`
`You are in danger of losing your home. If you fail to respond to the summons
`and complaint in this foreclosure action, you may lose your home. Please read
`the summons and complaint carefully. You should immediately contact an
`attorney or your local legal aid office to obtain advice on how to protect
`yourself.
`
`Sources of Information and Assistance
`
`The State encourages you to become informed about your options in
`foreclosure. In addition to seeking assistance from an attorney or legal aid
`office, there are government agencies and non-profit organizations that you
`may contact for information about possible options, including trying to work
`with your lender during this process.
`
`To locate an entity near you, you may call the toll-free helpline maintained by
`the New York State Department of Financial Services at (enter number) or
`visit the Department's website at (enter web address).
`
`Rights and Obligations
`
`YOU ARE NOT REQUIRED TO LEAVE YOUR HOME AT THIS TIME.
`You have the right to stay in your home during the foreclosure process. You
`are not required to leave your home unless and until your property is sold at
`auction pursuant to a judgment of foreclosure and sale.
`
`Regardless of whether you choose to remain in your home, YOU ARE
`REQUIRED TO TAKE CARE OF YOUR PROPERTY and pay property
`taxes in accordance with state and local law.
`
`
`
`
`
`
`
`Page 1 of 2
`
`3 of 36
`
`

`

`FILED: OTSEGO COUNTY CLERK 10/27/2022 01:41 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EF2022-696
`
`RECEIVED NYSCEF: 10/28/2022
`
`Foreclosure rescue scams
`
`Be careful of people who approach you with offers to “save” your home.
`There are individuals who watch for notices of foreclosure actions in order to
`unfairly profit from a homeowner's distress. You should be extremely careful
`about any such promises and any suggestions that you pay them a fee or sign
`over your deed. State law requires anyone offering such services for profit to
`enter into a contract which fully describes the services they will perform and
`fees they will charge, and which prohibits them from taking any money from
`you until they have completed all such promised services.
`
`
`
`
`Page 2 of 2
`
`4 of 36
`
`

`

`FILED: OTSEGO COUNTY CLERK 10/27/2022 01:41 PM
`NYSCEF DOC. NO. 1
`SUPREME
`COUNTY
`
`OF THE 5TATE
`COtJRT
`OF OTSEGO
`
`OF NEW YORK
`
`INDEX NO. EF2022-696
`
`RECEIVED NYSCEF: 10/28/2022
`
`NATIONSTAR
`
`MORTGAGE
`
`LLC,
`
`Plaintiff,
`
`vs.
`
`STEVEN
`
`S. G1LBERT,
`
`INDEX
`
`NO.
`
`COMPLAINT
`Subject
`Property:
`207 SOUTH
`ROAD
`NY 13491
`WINFIELD,
`
`through
`
`"JOHN
`
`DOE #12,"
`and unknown
`
`the last
`
`to
`
`fictitious
`
`"JOHN
`
`twcIvo
`
`plaintiff,
`
`tenants.
`
`having
`premises,
`
`DOE #1"
`names
`
`being
`the persons
`
`occupants,
`or claiming
`described
`
`or parties
`intended
`or corporations.
`in or
`lien
`
`persons
`an interest
`
`being
`
`upon
`
`the
`if any,
`the
`
`in the complaint.
`
`Defendants.
`
`The complaint
`
`of
`
`the above-named
`
`plaintiff,
`
`by Robertson.
`
`Anschuta
`
`Schneid,
`
`Cmnc & Partners
`
`PLLC,
`
`its attorneys,
`
`alleges
`
`upon
`
`information
`
`and belief
`
`as follows:
`
`l.
`
`2,
`
`Plaintiff
`
`is organized
`
`under
`
`the laws
`
`of
`
`the United
`
`States
`
`of America
`
`or
`
`its state of
`
`formation.
`
`On December08,
`
`2010,
`
`STEVEN
`
`S. GILBERT
`
`duly
`
`executed
`
`and deHvered
`
`a note whereby
`
`STEVEN
`
`S. GILBERT
`
`promised
`
`to pay the sum of 568,000.00
`
`plus
`
`interest
`
`as set
`
`forth
`
`in said note. A
`
`copy
`
`of said note
`
`is annexed
`
`hereto.
`
`in an attempt
`
`to
`
`3.
`
`Plaintiff
`
`directly
`
`or
`
`through
`
`an agent
`
`has complied
`
`with
`
`all applicable
`
`laws
`
`establish
`
`ownership
`
`and/or
`
`possession
`
`of
`
`the subject
`
`note
`
`and the right
`
`to foreclosure
`
`of same.
`
`Plaintiff
`
`has possession
`
`and contml
`
`of
`
`the original
`
`note
`
`and mortgage,
`
`which
`
`note
`
`is secured
`
`by
`
`the mortgage
`
`identified
`
`below,
`
`and the said
`
`note
`
`is either made
`
`payable
`
`to Plaintiff
`
`or
`
`is duly
`
`indorsed.
`
`To the extent
`
`that
`
`the original
`
`note
`
`or
`
`interim
`
`assignments
`
`of mortgage
`
`are lost or unavailable,
`
`Plaintiff
`
`has the right
`
`to foreclose
`
`the subject
`
`note
`
`and mortgage
`
`pursuant
`
`to New York
`
`law.
`
`4.
`
`That
`
`to secure
`
`the payment
`
`of
`
`the sum represented
`
`said note, STEVEN
`
`S. GILBERT.
`
`by
`
`duly
`
`executed
`
`and delivered
`
`a mortgage
`
`which
`
`was
`
`recorded
`
`as follows
`
`and the mortgage
`
`tax thereon
`
`was
`
`duly
`
`paid:
`
`IIIIIIIIIIIIIIIIHEllIIEli
`¬ VaG
`22444898
`
`IIIIIIIIIIMIIIIIIIIIIMIM
`
`E[IIRIllMHMHIII
`Drafter:Vanessa
`George
`
`5 of 36
`
`

`

`FILED: OTSEGO COUNTY CLERK 10/27/2022 01:41 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EF2022-696
`
`RECEIVED NYSCEF: 10/28/2022
`
`Recording
`
`Date:
`
`December
`
`27, 2010
`
`County:
`
`OTSEGO
`
`Instrument
`
`Number
`
`2010-6083
`
`Said mortgage
`
`was
`
`assigned
`
`to PlaintitTby
`
`assignment
`
`of mortgage
`
`duty
`
`executed
`
`on a date prior
`
`to the
`
`filing
`
`of
`
`the complaint.
`
`A copy
`
`of said mortgage
`
`is annexed
`
`hereto.
`
`S.
`
`Said mortgage
`
`secured
`
`the rea) property
`
`known
`
`as 207 SOUTil
`
`ROAD,
`
`WIN FIELD,
`
`NEW
`
`YORK
`
`13491
`
`and by Section
`
`21.00,
`
`Block
`
`I, Lot 22.00
`
`together
`
`with
`
`all
`
`fixtures
`
`and articles
`
`of
`
`personal
`
`annexed
`
`installed
`
`in, or used
`
`in connection
`
`with
`
`the mortgaged
`
`premises,
`
`all as is
`
`property
`
`to,
`
`more
`
`fully
`
`set
`
`forth
`
`in said mortgage.
`
`A copy
`
`of
`
`the legal
`
`description
`
`is set
`
`forth
`
`on Schedule
`
`A
`
`annexed.
`
`6.
`
`Plaintiff
`
`is the owner
`
`and holder
`
`of said
`
`note
`
`and mortgage
`
`or has been
`
`delegated
`
`the authority
`
`to institute
`
`a mortgage
`
`foreclosure
`
`action
`
`by
`
`the owner
`
`and holder
`
`of
`
`the said
`
`note
`
`and mortgage.
`
`7.
`
`8.
`
`Plaintiff
`
`has complied
`
`with
`
`all conditions
`
`precedent
`
`contained
`
`in the mortgage,
`
`if any.
`
`To the extent
`
`applicabic,
`
`Plaintiff
`
`has complied
`
`with RPAPL
`
`1304
`
`and RPAPL
`
`1306.
`
`all of
`
`the pmvisions
`
`Law
`
`9.
`
`To the extent
`
`applicabic,
`
`Plaintiff
`
`has complied
`
`with
`
`of Banking
`
`section
`
`$9$-a
`
`and any
`
`rules
`
`and regulations
`
`pmmulgated
`
`thereunder,
`
`Banking
`
`Law sections
`
`6-1 and 6-
`
`m.
`
`(0.
`
`That Defendants
`
`failed
`
`to comply
`
`with
`
`the conditions
`
`of
`
`the note
`
`and mortgage
`
`by
`
`failing
`
`to
`
`make
`
`the payment
`
`that became
`
`due on October
`
`01, 2021
`
`and each
`
`subsequent
`
`payment
`
`thereafter.
`
`I 1. That
`
`by reason
`
`of such
`
`defauhs,
`
`Plaintiff
`
`hensby
`
`declares
`
`the balance
`
`of
`
`the principal
`
`indebtedness
`
`immediatc1y
`
`due and payable.
`
`(2.
`
`That
`
`the principal
`
`sum of $55,079.88
`
`with
`
`interest
`
`there
`
`is now due and owing
`
`to the plaintiff,
`
`thereon
`
`from September
`
`01, 2021
`
`plus
`
`accumulated
`
`late charges
`
`together
`
`with
`
`any
`
`sums advanced
`
`by
`
`the plaintiff
`
`on behalf
`
`of defendant.
`
`(3.
`
`That
`
`plaintiff
`
`shall
`
`not be deemed
`
`to have waived,
`
`altered,
`
`released
`
`or changed
`
`the election
`
`hereinbefore
`
`made
`
`by
`
`reason
`
`of
`
`the payment
`
`after
`
`the date
`
`of
`
`the comrnencement
`
`of
`
`this
`
`action.
`
`of any
`
`or all of
`
`the defaults
`
`mentioned
`
`herein:
`
`and such
`
`election
`
`shall
`
`oontinue
`
`and remain
`
`effective
`
`until
`
`the
`
`22444898
`
`- VaG
`
`Drafter:Vanessa
`
`George
`
`6 of 36
`
`

`

`FILED: OTSEGO COUNTY CLERK 10/27/2022 01:41 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EF2022-696
`
`RECEIVED NYSCEF: 10/28/2022
`
`cosm and disbursem*nts
`
`of
`
`this
`
`action,
`
`and any and all
`
`future
`
`defaults
`
`under
`
`the aforesaid
`
`bond
`
`or note
`
`and mortgage,
`
`and occurring
`
`prior
`
`to the discontinuance
`
`of
`
`(bis action
`
`are fully
`
`paid.
`
`(4.
`
`That
`
`to protect
`
`its security
`
`afforded
`
`by said
`
`note
`
`and rnortgage,
`
`it may be necessary
`
`for
`
`the
`
`plaintiff
`
`to pay
`
`taxes,
`
`assessments,
`
`water
`
`rates and insurance
`
`premiums
`
`which
`
`are, or may become
`
`liens
`
`on the mortgaged
`
`premises,
`
`and any other
`
`charges
`
`for
`
`the protection
`
`of
`
`the premises,
`
`and plaintifT
`
`hereby
`
`demands
`
`that any amounts
`
`which
`
`may be so expended
`
`shall
`
`be added
`
`to the amount
`
`of
`
`the
`
`principal
`
`sum secured
`
`interest
`
`such
`
`by said note
`
`and mortgage,
`
`together
`
`with
`
`from the time
`
`of any
`
`payment,
`
`and that
`
`the same
`
`be paid
`
`to the plaintifT
`
`from the proceeds
`
`of
`
`the foreclosure
`
`sale herein.
`
`l5.
`
`That
`
`the plaintiff
`
`alleges
`
`that no other
`
`proceedings
`
`have
`
`been
`
`had for
`
`the recovery
`
`of
`
`the
`
`mortgage
`
`indebtedness
`
`or
`
`if any such
`
`action
`
`is pending,
`
`a final
`
`judgment
`
`was not
`
`rendered
`
`in favor
`
`of
`
`Plaintiff
`
`and such action
`
`is intended
`
`to be discontinued.
`
`16. That
`
`plaintifT
`
`further
`
`alleges
`
`that all
`
`the defendants
`
`have,
`
`or may
`
`claim to have,
`
`some
`
`irtterest
`
`lien
`
`upon
`
`the mortgaged
`
`or some
`
`part
`
`thereof,
`
`which
`
`interest
`
`or
`
`lien,
`
`if any,
`
`is subject
`
`in, or
`
`premiscs,
`
`and subordinate
`
`to the lien
`
`of
`
`the mortgage
`
`being
`
`foreclosed.
`
`I7.
`
`The description
`
`of cach
`
`of
`
`the named
`
`party
`
`defendants
`
`interest
`
`is set out on Schedule
`
`"B"
`
`annexed.
`
`I 8. The
`
`interest
`
`or
`
`lien
`
`of cach of
`
`the named
`
`party
`
`defendants,
`
`tf any,
`
`is set
`
`forth
`
`in Schedule
`
`"C"
`
`annexed.
`
`19. The terms
`
`of said mortgage
`
`provide
`
`that defendants
`
`shall
`
`be liable
`
`to plaintiff
`
`for
`
`reasonable
`
`attorneys'
`
`fees
`
`incurred
`
`by plaintiff
`
`to pmtect
`
`or enforce
`
`plaintiffs
`
`security
`
`interest
`
`in the premises.
`
`20.
`
`That
`
`the sale of
`
`the mortgaged
`
`promises
`
`and title
`
`thereto
`
`am subject
`
`to the state
`
`of
`
`facts
`
`an
`
`will
`
`all
`
`accurate
`
`survey
`
`show;
`
`covenants,
`
`restrictions,
`
`casem*nts,
`
`agreements
`
`and reservations,
`
`if any, of
`
`record,
`
`and to any and all violations
`
`thereof:
`
`any and all building
`
`and roning
`
`regulations,
`
`estDctions
`
`and ordinances
`
`of
`
`the municipality
`
`in which
`
`said premises
`
`are situated,
`
`and to any
`
`violations
`
`of
`
`the
`
`same,
`
`including,
`
`but not
`
`limited
`
`to,
`
`reapportionment
`
`of
`
`lot
`
`lines,
`
`and vault
`
`charges,
`
`if any;
`
`any and all
`
`orders
`
`or
`
`requirements
`
`issued
`
`by any governmental
`
`body
`
`having
`
`jurisdiction
`
`against
`
`or affecting
`
`said
`
`premises
`
`and any
`
`violation
`
`of
`
`the same;
`
`the physical
`
`condition
`
`of any building
`
`or structure
`
`on the
`
`22--044898
`
`- VaG
`
`Drafter:Vanessa
`
`George
`
`7 of 36
`
`

`

`FILED: OTSEGO COUNTY CLERK 10/27/2022 01:41 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EF2022-696
`
`RECEIVED NYSCEF: 10/28/2022
`
`premises
`
`as of
`
`the date
`
`of closing
`
`hereunder;
`
`rights
`
`of
`
`tenanEs
`
`in possession,
`
`if any;
`
`prior
`
`rnortgages
`
`and
`
`judgments,
`
`if any,
`
`now liens
`
`of
`
`record·
`
`right
`
`of Redemption
`
`of United
`
`States
`
`of America.
`
`if any ;
`
`rights
`
`of any defendans
`
`pursuant
`
`to CPLR
`
`Section
`
`3 l 7. CPLR
`
`Section
`
`2003
`
`and CPLR
`
`Section
`
`5015,
`
`if any;
`
`any and all Hazardous
`
`Materials
`
`in the premises
`
`including,
`
`but not
`
`limited
`
`to,
`
`flammable
`
`explosives,
`
`radioactive
`
`materials,
`
`hazardous
`
`wastes,
`
`asbestos
`
`or any material
`
`containing
`
`asbeston,
`
`and toxic
`
`substances;
`
`and other
`
`conditions
`
`as set
`
`forth
`
`in the terms
`
`of sale more
`
`particularly
`
`to be announced
`
`at
`
`Ehe sale.
`
`THE REMAINDER
`
`OF THIS
`
`PACE
`
`IS INTENTIONALLY
`
`LEFT
`
`BLANK
`
`22444898
`
`- VaG
`
`DraRer:Vanessa
`
`George
`
`8 of 36
`
`

`

`FILED: OTSEGO COUNTY CLERK 10/27/2022 01:41 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EF2022-696
`
`RECEIVED NYSCEF: 10/28/2022
`
`W@lEREFORE,
`
`plaintin'demands
`
`judgment
`
`against
`
`the defendants
`
`as follows:
`
`A,
`
`The
`
`defendants
`
`and each
`
`of
`
`them,
`
`and all persons
`
`claiming
`
`under
`
`them,
`
`or any of
`
`them
`
`subsequent
`
`to the commencement
`
`of
`
`this
`
`action
`
`and the filing
`
`of
`
`the Notice
`
`of Pendency
`
`thereof,
`
`may
`
`be barred
`
`and foreclosed
`
`of all
`
`right,
`
`title,
`
`claim,
`
`lien
`
`and equity
`
`of
`
`redemption
`
`in the
`
`mortgaged
`
`premises;
`
`B.
`
`Said mortgaged
`
`premises
`
`be sold
`
`subject
`
`to the state
`
`of
`
`facts
`
`an accurate
`
`survey
`
`will
`
`show;
`
`all covenants,
`
`restrictions,
`
`easem*nts,
`
`agreements
`
`and reservations,
`
`if any,
`
`of
`
`record,
`
`and
`
`to any and all violations
`
`thereof;
`
`any and all building
`
`and zoning
`
`regulation,
`
`restrictions
`
`and
`
`of
`
`in which
`
`said premises
`
`violations
`
`of
`
`the
`
`ordinances
`
`the municipality
`
`are situated,
`
`and to any
`
`same,
`
`including,
`
`but not
`
`limited
`
`to, mappenionment
`
`of
`
`lot
`
`lines,
`
`and vault
`
`charges,
`
`if any;
`
`any
`
`and all orders
`
`or mquirements
`
`issued
`
`by any governmental
`
`body
`
`having
`
`jurisdiction
`
`against
`
`or
`
`affecting
`
`said premises
`
`and any
`
`violation
`
`of
`
`the same;
`
`the physical
`
`condition
`
`of any building
`
`stmetum
`
`on the premises
`
`as of
`
`the date
`
`of closing
`
`hereunder;
`
`rights
`
`of
`
`tenants
`
`in possession,
`
`or
`
`if
`
`any;
`
`prior mortgages
`
`and judgrnems,
`
`if any,
`
`now liens
`
`of
`
`record;
`
`right
`
`of Redemption
`
`of United
`
`States
`
`of America,
`
`if any;
`
`rights
`
`of any defendants
`
`pursuant
`
`to CPLR
`
`Section
`
`317, CPLR
`
`Section
`
`2003
`
`and CPLR
`
`Section
`
`5015,
`
`if any;
`
`any and all Hazardous
`
`Materials
`
`in the premises
`
`including,
`
`radioactive
`
`hazardous
`
`asbestos
`
`but not
`
`limited
`
`to,
`
`flammable
`
`explosives,
`
`materials,
`
`wastes,
`
`or any
`
`asbestos,
`
`and toxic
`
`substances;
`
`and other
`
`conditions
`
`as sel
`
`fath
`
`in the terms
`
`material
`
`containing
`of sale mom particularly
`
`to be announced
`
`at
`
`the sale.
`
`C.
`
`Said
`
`premises
`
`may be decreed
`
`to be sold
`
`in one parcel
`
`according
`
`to law subject
`
`to the
`
`various
`
`items
`
`set
`
`forth
`
`in allegations
`
`of
`
`the complaint
`
`herein;
`
`D.
`
`E.
`
`The monies
`
`arising
`
`fmm the sale may be brought
`
`into
`
`court;
`
`Plaintiff
`
`may
`
`be paid
`
`the amount
`
`due on said
`
`note
`
`and mortgage
`
`as alleged
`
`herein,
`
`together
`
`with
`
`interest
`
`to the time
`
`of such
`
`payment,
`
`together
`
`with
`
`the sums
`
`expended
`
`by plaintiff
`
`prior
`
`to and during
`
`the pendency
`
`of
`
`this
`
`action,
`
`and for
`
`thi1ty
`
`days
`
`after
`
`any
`
`sale demanded
`
`herein
`
`for
`
`taxes, wmer
`
`rates,
`
`sewer
`
`rents,
`
`assessments,
`
`insurance
`
`premiums
`
`and other
`
`necessary
`
`and
`
`essential
`
`charges
`
`or expenses
`
`in connection
`
`therewith
`
`10 protect
`
`the mortgage
`
`lien,
`
`plus
`
`any
`
`sums
`
`expended
`
`for
`
`the protection
`
`or preservation
`
`of
`
`the propeny
`
`covered
`
`by said mortgage
`
`and note,
`
`and the amount
`
`secumd
`
`thereby,
`
`with
`
`intemst
`
`thercon
`
`costs
`
`and expenses
`
`of
`
`this
`
`action
`
`including
`
`reasonable
`
`fmm the lime
`attorneys'
`
`of such
`
`payment
`
`and the
`
`fees so far as the amount
`
`of
`
`such monies
`
`properly
`
`applicable
`
`thereto
`
`will
`
`pay
`
`the same;
`
`F.
`
`The
`
`plaintiff
`
`be decreed
`
`to be the owner
`
`of any and all personal
`
`pmperty
`
`used
`
`in
`
`connection
`
`with
`
`the said mortgaged
`
`prentises,
`
`except
`
`if discharged
`
`irt bankruptcy;
`
`22444898
`
`- VaG
`
`Drafter:Vanessa
`
`George
`
`9 of 36
`
`

`

`FILED: OTSEGO COUNTY CLERK 10/27/2022 01:41 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EF2022-696
`
`RECEIVED NYSCEF: 10/28/2022
`
`G.
`
`The obligars
`
`may
`
`be adjudged
`
`to pay any deficiency
`
`which
`
`may
`
`remain
`
`after
`
`applying
`
`all
`
`of said monies
`
`so applicable
`
`thereto
`
`unless
`
`the obligors
`
`were
`
`discharged
`
`in bankmptcy;
`
`H.
`
`any;
`
`1.
`
`awarding
`
`the relief mquested
`
`in the additional
`
`causes
`
`of action
`
`stated
`
`in the complaint,
`
`if
`
`Plaintiff
`
`shall
`
`have
`
`such other
`
`and further
`
`relief
`
`or both,
`
`in the pmmises
`
`as shall
`
`be just
`
`and equitable.
`
`Dated:
`
`October
`
`3, 2022
`
`Robertson,
`& Pa
`Crane
`for
`
`Attomey
`
`Anne
`
`rs,
`lainti
`
`Schneid,
`LC
`
`BY:
`
`f--
`Z. BORISK.1N,
`I S
`[
`[X] ANTHONY
`CELLUCC).
`] LUCE PIERRE-RUSSON,
`[
`ESQ.
`R. WEISS,
`] SCOTT
`[
`] ANNETTE
`SHACHTER,
`[
`900 Merchants
`Concoume.
`NY 11590
`Westbury,
`516-280-7675
`
`ESQ.
`ESQ.
`ESQ.
`
`ESQ.
`Suite
`3 to
`
`22444898
`
`- VaG
`
`DraRer:Vanessa
`
`George
`
`10 of 36
`
`

`

`FILED: OTSEGO COUNTY CLERK 10/27/2022 01:41 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EF2022-696
`
`RECEIVED NYSCEF: 10/28/2022
`
`B, 2010
`December
`IDeMI
`
`NOTE
`McM11s
`1C191
`
`New York.
`lthaut
`
`207 South Road, WinflelA
`NY
`IPartrty Aahead
`
`13491-4013
`
`L BORROWER'S
`PROMISE
`In return for a leen that
`pins Enterns,
`to the anler of
`
`TO PAY
`I prondse
`Ihave
`to pay U.S. $ 68,000.00
`received,
`the Leader,
`Inc.
`The LeadeGsNorwigs.
`
`0his amount
`
`is called "Principal"),
`
`under
`I will make all payments
`this Note In the farm of cash, ched
`I understand
`that
`the Leader may transfw tids Note. The Leafer
`I{older,"
`to receive payments
`ander
`this Note is called sie "Note
`
`or money
`order.
`or anyons who takes Ods Note by transfer and who to entitled
`
`2.
`
`of
`
`I NTEREST
`Interea will
`5.50096.
`The intemst
`this Note.
`
`be charged
`
`em unpaid
`
`prfacipal
`
`until
`
`die Adi anount
`
`of Principal
`
`has been paEd.
`
`[ will
`
`pay Interest at a yearly
`
`rate
`
`rate required
`
`by this Section 2 is the rate I wE pay be& banne and sher any defhadt described
`
`in Sectten it(B) of
`
`3. PAYMENTS
`arid Place of Payments
`(A) Time
`I will
`pay principat
`and interest by maktag a payment
`every raonth,
`I wel make my monthly
`payment
`1st
`on the
`day of each month
`beginning
`make these payments
`neath
`the principaband
`until
`I bare paid all of
`laterest
`every
`may ows under
`Ibis Note, Each monthly
`payment wiH be applied as of as scheduled
`Prtmcipal
`If, ad anuary
`owe amamets under
`this Note,
`, I sis
`1, 2041
`Date."
`which
`is caBed the "Meturky
`I will make my meathly
`
`payments
`
`at 1000 Tedmology
`
`O'
`
`Drive,
`
`1, 201 I
`. I will
`of 4ruary
`and any sther charges dearibed
`below that
`due date and will
`before
`he appiled
`to interest
`I will
`on that date,
`pay those amamats
`In fhit
`
`I
`
`Pallan, MO 63368-2240
`or at a dithmet
`place if
`
`requlNd
`
`by the Noet Holder.
`
`(B) Amount
`My monthly
`
`of Monthly
`paymans will
`
`Payments
`be En the amount of U.S. 8 381i10
`
`.
`
`4. BORROWER's
`TO PREPAY
`RIGHT
`to make payments
`I have the right
`at uny time bearce they are due. A payment
`of Primetpal
`at Principal
`is known
`as a
`enly
`"Prepaymeal."
`When I make a Prepayment,
`the Note IIqider
`I will
`ther
`in writing
`tell
`a payment
`I am doing so.
`I may not designate
`I have not made all.ae monthly
`as a Prepayment
`if
`payments
`due under
`the Note.
`I may make a fW1 Prepayment
`or partial
`Papayments
`charge, The Wate Holder will
`without
`a Pmpeymeng
`use my
`paying
`Prepayments
`10 redaS
`the amount of Principal
`I owe under
`that
`this Note. However,
`(6
`Holder mmy apply my Prepayment
`theNote
`the aursed
`and unpaid
`inleast
`on the Prepayment
`so adace
`the Principal
`hefo e applying my Prepayment
`emount eI
`the
`amount,
`Note.
`If
`t make a partlaI Prepayment
`there win
`be no changes in die dea date ar in the amount of my monthly
`payment
`anless the
`Note Holder
`agram la writing
`to those changes.
`
`MEWYGGMMED RATsuptE-shphsay-Furý
`
`GAmeMeganA81sUWDRMGB575tamr
`
`ouanassev a.uam vs
`
`11 of 36
`
`

`

`FILED: OTSEGO COUNTY CLERK 10/27/2022 01:41 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EF2022-696
`
`RECEIVED NYSCEF: 10/28/2022
`
`5.
`
`LO AN CHAROSS
`e' other
`N e law, which
`to stis Ioan and widch
`applies
`sets madaman
`the faterest
`so that
`laterpreted
`is finaEy
`loan charges,
`In canaram
`loom charges
`with
`or
`to be collected
`allected
`this Jada exSed
`then:
`the permined
`(a) any such loan charge
`Ilm1ts.
`shell be reduced
`to reduce1he
`by the ammmit necessary
`charge to the permitted
`19nitl and (b) any sums already
`collected
`thua me
`which
`llatit*
`to me. The Note Heider may cheese to make this
`ascended
`permitted
`will
`be refunded
`reBed
`the
`by
`reduc$ng
`Principal
`I owe under
`this Note ar by making
`a direcs payment
`the reducEen will
`to medf
`a refund reduces Principal.
`be greeted as
`a partial Prepayrnes.
`
`6. BORROWER*S
`TO PAY AS REQUIRED
`FAILURE
`late Char go for Overdue
`Payments
`(A)
`If ote Note Holder
`has not aceived
`the full armount of any monely
`payment
`I will
`the date A is due,
`aAer
`amount of
`pay a late charge to me Nata Hoklar.
`the
`of principal
`payment
`my overdue
`and interest.
`I will pay this late charge promptly
`
`fifteen
`
`by the end of
`the charge will be
`but only once as each late paymut
`
`calendar days
`2.000% of
`
`(B) Default
`If
`I do not pay the full ascent
`
`of each monthly
`
`payment an as date R is dee, 1will
`
`be fa default.
`
`of Detau4
`(C)Notfee
`I am in default,
`the Note Holder may seed me a wetteen notice
`lf
`if 1 do not pay the overdue
`amount
`teRing me that
`by a
`the Note Holder may require nu m pay immediately
`carteta date.
`the fldl ammet
`of Principal
`widch
`has not been paid and all
`the
`I owe on that annount
`Entamst
`that
`the nation b malled
`That date most be at
`least 38 days after
`the dat2 on which
`to me or delivered
`by other means.
`
`By Note Holder
`(0) No Waiver
`Even if, at a ¦ne when I am in dehalt,
`require me to pay lemnediately
`does not
`as Note Holder
`the Note Holder will
`sttEl bays the right
`te do so if
`I mm la default
`at a hter
`times.
`
`In full as descreed
`
`above,
`
`of Note Holdda
`(E) Peyment
`Costa and Expenses
`has required me to pay immediately
`la full as demElbed
`If
`the Note Holds
`the Note Holder wRI have the right
`to be
`above,
`paid back by me lbr aR of
`Als Note to the sttent mot prohibited
`its costs and expenses
`in enforcing
`law. These
`by applicable
`attorneys'
`expenses
`for example. masunable
`fees.
`include,
`
`7. OlVINO
`OF NOTICE$
`law requires
`Unless
`s diRerent method,
`appitcaMe
`k er by malling
`class mail
`to me at
`it by first
`deltvering
`Holder
`a notice of my different
`address.
`Any motice that must be given to the Note Holder muter
`reall
`to the Nee Hotdar
`at
`the address stated in Section 3(A)
`address.
`
`any notice
`the Property
`
`to me under
`that must be given
`above or at a diflbrent
`Adamas
`
`be given by
`this Note will
`address if
`I give
`the Note
`
`be given by deliverfa*g
`this Note will
`k or by snetRng n by Arst class
`shove or at a different
`address If
`I am given a notice of
`that difkrest
`
`L OBLICATIONS
`THIS NOTE
`UNDER
`OF FERSONS
`ITmom than ane perans signs this Note, each perset
`to keep all of
`obliggled
`and personally
`is ful7
`the promises made in dbig
`f mcluding
`to pay the fuR amoung owed. Any persee who is a guarantor,
`the promise
`Note,
`surely or endorser
`of
`this Note is also
`obligated
`to do these thhgs.
`person who
`lakes over
`the obligations
`these obligations,
`of a gearaptor,
`surety or
`Any
`incladfug
`endorser of
`is also obligated
`in keep all of
`this Note.
`the promises made in des Note. The Note Hokler
`enforce Its right
`under
`any
`This means that any one of m may be required
`this Note against each person individually
`or against all at as together.
`to pay all of
`the amounts owed under ais Note.
`
`9. WAIVERS
`I and any other
`ander
`has obligathms
`person who
`this Note waivq
`of Pasentment
`the rlghts
`"Presentment"
`means the right
`to require
`to demand
`the Note Hokler
`payment
`of amounts
`due.
`'Notice
`the Note Molder
`to give notin
`dae have met been pakt.
`to other perseas that ascents
`
`to require
`
`right
`
`and Notice
`of Dishonor.
`of Dishonor"
`means the
`
`12 of 36
`
`

`

`FILED: OTSEGO COUNTY CLERK 10/27/2022 01:41 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EF2022-696
`
`RECEIVED NYSCEF: 10/28/2022
`
`Deed ghe )
`
`gWen to the
`In addleton to the patectkms
`defed the same dsle as flib
`Insawment"),
`a premises which
`I make in eds Nota.
`in 8:11 of d
`to make Dunediate
`payment
`
`16. UNtPORM
`NOTE
`SECORED
`is Note is a anIform instmment
`limmed
`with
`vadasons
`fa some jurisdictless.
`Note Holder
`under
`this Nota, a Mortgage,
`Dead of Dust,
`or SearSy
`protects
`the Note Holder
`Note.
`hom possible
`I do not keep
`if
`losses which might
`result
`That Secudty
`Instrument
`describes
`how und under what
`senditiens
`I may be required
`amounds Iowa
`under
`this Note. Some of
`those conditions
`as fbilows:
`are described
`Leader may require
`homediate
`in thII of all Sums Secured by this Security
`Instrument
`payment
`Af aD or any
`or
`of me Property.
`part
`prior written
`Lender's
`If any
`without
`rhght
`in the Property,
`is sold
`or
`transfernd
`pemdssion.
`If Borrower
`is not a natural
`person and a beneficial
`in Bonower
`is sold or transferred without
`Interest
`Lands's
`prior wrkten
`[ander
`hi
`this option sheB
`immediate
`also may require
`payment
`permisska,
`However,
`not be exercised
`by Leader
`if such emercise is prohfMted
`by Apphcable
`Law.
`If
`lander
`requires
`give me a noone widch
`will
`immediate
`payment
`in full
`under
`this Section
`lander
`18,
`The nolls wE give me at
`states this requirement.
`payment.
`The 30-day parled
`leass 30 days to make the nquired
`will
`begia on the date the motice is given
`15 of
`to me in the meaner
`by Secdon
`required
`this Security
`Jastrument.
`It
`Ido
`not make the required
`payntent
`lander may ad to enforce Rs rights under
`this Seemrmy
`that period,
`during
`Instrument
`without
`giving me any nuther
`noUce or demand
`ibr payment.
`
`fht
`
`WITNESS
`
`THE HANDCD
`
`AND SBAL(S) OF THE UNDERSIGNED.
`
`Sieven S. OBber1
`
`(BeaQ
`-Seanwer
`
`()gn Original
`
`Orgy)
`
`.
`
`13 of 36
`
`

`

`FILED: OTSEGO COUNTY CLERK 10/27/2022 01:41 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EF2022-696
`
`RECEIVED NYSCEF: 10/28/2022
`
`OTSEGO
`COUNTY
`- STATE
`KATHY
`elNNOTTSARDNER,
`187 MAIN STREET,COOPER$TOWN,NY
`
`OF NEW YORK
`COUNTY
`CLGRK
`1332IMt28
`
`***THISPAGEIS
`
`RECORDINOPAGE
`CLERK'5
`COUNTY
`-DO NOT DETACH*""
`PART OPTHE DOCUNENT
`
`I
`
`III
`
`IIIIIll
`
`II
`
`I
`
`RECEIPT
`
`NO.
`
`:
`
`2010116276
`
`#:
`Date:
`Grp:
`
`clerk:
`Instr
`Rec
`Doc
`Descrip:
`Num Pgs:
`Rec'd
`Frm:
`
`us
`2010-6083
`12/27/2010
`RP
`MORTGAGE
`19
`CITIMORTGAGE
`
`Party1:
`Party2:
`Towrl:
`
`$TEVEN
`GILBERT
`CITIMORTGAGE
`PLAINFIELO
`
`12:22:48
`
`PM
`
`INC
`
`S
`
`INC
`
`BY
`
`NOM
`
`3.00
`59.00
`14.25
`1.00
`4.
`
`82.00
`
`75
`
`340.00
`170.00
`0.00
`
`510.00
`
`592,00
`****
`
`Recording:
`
`Page
`Cover
`Reco
`ding
`tural
`cul
`Records
`Records
`
`Fee
`Ed
`management
`Management
`
`$ub
`
`Total
`
`:
`
`Basic
`SONYMA
`special
`
`Tax
`Tax
`Tax
`
`Amount
`Amount
`Amount
`
`-
`-
`
`coun
`Stat
`
`sub
`
`Total
`
`:
`
`Total
`"**
`
`:
`NOTICE:
`
`THI5
`
`IS
`
`NOT
`
`A BILL
`
`*****
`
`Serial
`calc
`Mtg
`
`Mortgage
`#:
`Method
`Amt
`.
`
`:
`
`Tax
`DB-1222
`1-2
`Famil
`68000.00
`
`*****
`
`y Home
`
`Basic
`SONYMA
`special
`
`Total
`
`:
`
`340.00
`170.00
`0.00
`
`510.00
`
`Record
`
`and
`
`Retu
`
`rn
`
`To:
`
`CITIMORTGAGE
`ATTN
`DOCUNENT
`PO sox
`790021
`ST
`LOUIs
`M0
`
`INC
`PROCE5SING
`
`631790021
`
`t hereby
`certify
`was
`recorded
`ofr«:e.
`
`the within
`that
`the Otsego
`
`in
`
`and
`County
`
`foregoing
`CleMs
`
`Matnteen
`
`Sinnott
`
`Gardner
`
`14 of 36
`
`

`

`FILED: OTSEGO COUNTY CLERK 10/27/2022 01:41 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EF2022-696
`
`RECEIVED NYSCEF: 10/28/2022
`
`Returu To:
`CitiMortgage,
`Aus: Decament
`P,0. Box 790021
`St. Louis, MO 63 9-0021
`
`Enc.
`Procusing
`
`CitiMwtgage,
`6300 Interfirst
`Ann Arbor,
`
`Inc.
`Drive
`M1 48108
`
`---
`
`M0-6083
`12/2trM0
`
`122248PM
`
`-
`
`18paseAbove TWs Une Far ReemRug Datal
`
`MORTGAGE,
`
`IN THIS DOCUMENT
`WORDS USED OFTEN
`Insranent"
`dased December
`whichIs
`Tble document,
`(A)
`"Security
`wHI be caDall
`tagsther with sal Riders
`the "Security
`to Ods decaness,
`"Borrower."
`Steven S. 01
`Individual
`(B)
`erg,
`
`5, 2010
`Instr unent"
`
`whose address is 207 South Rd. West Winfield,
`
`NY 13491-
`
`T
`
`somettimes win be eslied "Bormwer'
`and somethnes
`"I"or
`sIntply
`"MERS"
`Inc. MER5
`Registration
`Electramic
`Is Mortgage
`Systems.
`is a separate
`(C)
`and Lender's
`as a smminee
`hr
`Leader
`soccessors
`tad
`assigns. MERS
`acting
`solely
`the taws of Delaware.
`and tas an address and telephone
`ama er of3300
`exisdmg under
`Flist, M 48501-2006.
`Smite
`P.O.
`F1. 35474,
`Box
`tet
`101, Omla,
`2026.
`$185)
`MORTGACBE
`OF RECORDING
`THIS MORTGAGE,
`MERS
`IS'TifE
`PURPOSES
`(D}'Lender."
`Inc.
`CitiIdortgage,
`
`"me."
`
`is
`Get
`coqNradam
`is empstead
`ama
`S.W.
`34th Avenue,
`679-MERS,
`FOR
`OF RECORD.
`
`"Leader?
`
`be called
`w9t
`New Y prt
`Fallon, MO d3348-2240
`
`Lemier
`
`is a corporadon
`or
`. Leader's
`
`assachries
`Is
`address
`
`the
`emuler
`antsts
`widch
`1000 Technology
`Drive,
`
`laws
`O'
`
`at
`
`,
`
`Block.
`
`Unit:
`CRiMortgage
`ttnernmedle Me tBGFORM MBT4ihOIBIT WITH M5tS
`
`1.mt
`
`V6
`3.2.42.07
`Form 3033 1/D1
`
`Settina.
`
`is9N Yoset-
`
`skÆ fammy.hnnia
`
`Walters Numper F|nengal
`poly
`VMP®-8A(MYj
`page1m 9
`
`15 of 36
`
`

`

`FILED: OTSEGO COUNTY CLERK 10/27/2022 01:41 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. EF2022-696
`
`RECEIVED NYSCEF: 10/28/2022
`
`"Note
`"Note."
`
`(E)
`to
`
`The note alped
`and dmed Deranber
`by Barrower
`8, 2010
`The Note shows that
`I one Lander
`Sixty Eight
`Thousand
`
`(U.S.
`Dollars
`I bave pnnnised
`
`below la the secdon
`
`$68,000,00
`to pay this debt
`.
`"
`dtled
`
`Description
`
`. wE be called
`
`In psiodic
`
`Pensents
`
`)
`
`of
`
`the Property
`
`pins Imanst
`and other aments
`that may be payable.
`and to pay the debt
`in Adi by January
`1, 204t
`* The property
`dat Es described
`(F)
`"Property
`be called the "Property."
`will
`The "Lean"
`(G)"Loan.'
`means the debt evidenced
`the Neae. plus islerest
`late charges due moder the Note, and all smas due
`this Security
`lastrumes,
`"Sums Secured."
`The ammunes described
`below in the section
`dtled
`(H)
`"Borrower's
`Property"
`"
`Rights in the
`sometimes will be ag.lled se "Sums Secured
`"Riders"
`All Rklers
`attadied
`lo this Security
`O
`that are signed
`Instrument
`." The Adlewing
`Riders are to be signed by Borrower
`[check bar as
`Rate RMer
`A4ustable
`Balloos Rider
`VA Rkler
`
`Rider
`Condondalum
`Planned Unit Development
`Payment Rider
`Biweekly
`
`Rider
`
`any
`
`ynneel charges and
`interest.
`Transfier
`
`to Leader of
`
`Borrower
`e]:
`
`will
`
`be called
`
`Secsed Home RBIsr
`l-4 Family Rider
`Other(s)
`[specify|
`"A"
`Schedule
`stmarnes aguladcas,
`mainagnus
`as well
`as an
`applicable
`final,
`
`Law."
`
`applicable
`All
`) *Applicable
`state and latel
`lbderal.
`controlling
`and gut""ialerative
`0hat
`have
`and orders
`ades
`the affect
`of
`law)
`be called
`jukdal
`epistop
`will
`Iaw?
`mograppealable.
`*Applicable
`Fees, and Assessments."
`Association
`All
`UC)
`Dues,
`and caer
`fees.
`dues.
`a""""cr"ents
`"Cenununity
`chuges
`that are
`ar
`imposed
`on Barrower
`the Property
`by a condondnium
`heneowners
`assoclades.
`mandadom or slanitar orgamleation wlB be catted "Com"nmrdry
`Dues. Fees. and A"**"===fs
`Association
`Funds Transfer"
`Funds
`"Electronic
`Transfer
`nuses
`"Electronic
`than
`other
`of money.
`any transfer
`0..)
`or stadtar
`by check,
`paper
`which
`is initimed
`through
`an electreelc
`draft.
`tastrumes.
`teleptonic
`Ierminal
`or magantle
`insternemo
`compmer,
`tape so as to order.
`er authorize
`a lhancial
`institness
`go debit
`insauch
`or codit
`an account.
`Some commmn examples
`of an Electromie
`Fends Transfer
`are pehibefeale
`transissa
`(where a card such as an asset or debIt card is used at a merchan0.
`automated
`tetter maddne
`(or Aha)
`transfers
`iminated by telephone. wire aransfers,
`and automated
`tremanceless,
`clearinghouse
`transfers.
`hems."
`*Escrew
`Šbose Jeems that are described
`in Secdon 3 will he called
`(M)
`"Escrew leems
`Proceeds" means any compensation,
`"MisceBaneous
`Proceeds
`"Miscellaneous
`award at
`(N)
`semiemers,
`or promeds
`paid by any third puty
`damaps,
`(other
`than Insman