US Bank N.A. v Merchant

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US Bank N.A. v Merchant 2018 NY Slip Op 33678(U) October 5, 2018 Supreme Court, Westchester County Docket Number: 51150/2017 Judge: Charles D. Wood Cases posted with a "30000" identifier, i.e., 2013 NY Slip Op 30001(U), are republished from various New York State and local government sources, including the New York State Unified Court System's eCourts Service. This opinion is uncorrected and not selected for official publication. [*FILED: 1] WESTCHESTER COUNTY CLERK 10/11/2018 11:27 AM NYSCEF DOC. NO. 75 INDEX NO. 51150/2017 RECEIVED NYSCEF: 10/11/2018 To commence the statutory time period for appeals as of right (CPLR 55 13[a]), you are advised to serve a copy of this order, with notice of entry, upon all panies. SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF WESTCHESTER --------------------------------------------------------------------------)( US BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS TRUSTEE OF SW REMIC TRUST 2015-1, DECISION & ORDER Index No. 51150/2017 Sequence Nos. 3 Plaintiff, -againstANTHONY MERCHANT, NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE; AUTOONE SELECT INSURANCE CO, UNITED STATES OF AMERICA INTERNAL REVENUE SERVICE CCP LIEN UNIT, KIRBY ROWE, Defendants. ---------------------------------------------------------------------------)( WOOD,J. The following papers were read in connection with plaintiff s motion to reargue: Plaintiffs Notice of Motion, Counsels' Affirmations, Exhibits. Defendant' Counsel's Affirmation in Opposition, Exhibits. This is an action to foreclose a mortgage on premises known as 158 Tenth Avenue South, Mount Vernon, New York 10550. Defendant breached his obligations under the terms of the Note and Mortgage by failing to make the required monthly payments. The amount due and owing as of May 1,2012, was the principal amount of$297,017.37. On January 26,2017, plaintiff commenced this foreclosure action. Plaintiffbrought a motion for summary judgment, which was decided by Decision and Order of this court dated August 6, 2018, ("the Prior Decision"), based on a finding that plaintiff failed to 1 1 of 5 [*FILED: 2] WESTCHESTER COUNTY CLERK 10/11/2018 11:27 AM NYSCEF DOC. NO. 75 INDEX NO. 51150/2017 RECEIVED NYSCEF: 10/11/2018 prove its compliance with RP APLS 1304, and the notice of default pursuant to the mortgage. Plaintiff now brings this motion to reargue the Prior Decision, on the grounds that it complied with RPAPL S1304, and the notice of default pursuant to the mortgage, which was overlooked, and thus upon reargument, submits that summary judgment should have been granted. The court agrees, and grants plaintiff leave to reargue the Prior Decision. NOW based upon the foregoing, the motion is decided as follows: Motions for reargument are addressed to the sound discretion ofthe court which decided the prior motion and may be granted upon a showing that the court overlooked or misapprehended the facts or law or for some [other] reason mistakenly arrived at its earlier decision (Mazzei v Licardi, 47 AD3d 774 [2d Dept 2008]; Singelton v Lenox Hill Hospital, 61 AD3d 956, 957 [2d Dept 2009]). A motion for reargument is not designed to provide an unsuccessful party with successive opportunities to present arguments different from those originally presented (Gellert & Rodner v Gem Community Management, Inc. 20 AD3d 388 [2d Dept 2005]. Nor does it function as a forum to proffer arguments different from those originally tendered (Amato v Lord & Taylor, 10 AD3d 374, 375 [2d Dept 2004]) or on a new theory of law not previously advanced (Frisenda v X Large Enterprises, Inc., 280 AD2d 514, 515 [2d Dept 2001 D. Rather, the movant must satisfactorily demonstrate matters of fact or law allegedly overlooked or misapprehended on the prior motion (Matter of Hoffman v Debello-Teheny, 27 AD3d 743 [2d Dept 2006]). New facts may not be submitted or considered (Trahan v Gallea, 48 AD3d 791, 792 [2d Dept 2008]; Quinn v Menzel, 282 AD2d 513 [2d Dept 2001]). RP APL S1304 provides that, "at least ninety days before a lender, an assignee or a mortgage loan servicer commences legal action against the borrower, including mortgage foreclosure, such 2 2 of 5 [*FILED: 3] WESTCHESTER COUNTY CLERK 10/11/2018 11:27 AM NYSCEF DOC. NO. 75 INDEX NO. 51150/2017 RECEIVED NYSCEF: 10/11/2018 lender, assignee or mortgage loan servicer shall give notice to the borrower in at least fourteen-point type" (RPAPL S1304[1]; Deutsche Bank Nat. Trust Co. v. Spanos, 102 AD3d 909, 910 [2d Dept 2013]). Proper service of RP APL S1304 notice on the borrower is a condition precedent to the commencement of a foreclosure action, and the plaintiff has the burden of establishing satisfaction ofthis condition (Deutsche Bank Nat. Trust Co., 102 AD3d 909, 910). Plaintiffs failure to make a prima facie showing of strict compliance with RPAPL S1304 requires denial of its motion for summary judgment, regardless of the sufficiency of the opposing papers (Hudson City Sav. Bank v. DePasquale, 113 AD3d 595, 596 [2d Dept 2014]). In the Prior Decision, the court found that there was no affidavit of service submitted to establish proper service on defendant, confirming that it was in fact mailed, or a description of plaintiffs practice in mailing such notices. However, there was in fact, an Affidavit of Service buried within an exhibit to the Lane Affidavit (plaintiff s attorney in fact representative), that was identified in Lane's Affidavit as "True and exact copies of the 90 day pre foreclosure notices mailed to Anthony Merchant by first class and certified mail are attached at Exhibit B". This Affidavit of Service recites that Tracy Berry served a copy of the 90 Day Notice by both first class mail and certified mail to Anthony Merchant on May 17, 2016 to two addresses in Mount Vernon. Now that plaintiff has unearthed the affidavit from its hiding place and actually brought it to the court's attention, plaintiff has made a prima facie showing of strict compliance with RPAPL S1304. Moreover, compliance with the 90-day notice requirements of RP APL S1304 satisfies the 30-day default notice requirements in a mortgage document (Wachovia Bank, N.A. v Carcano, 106 AD3d 724 [2d Dept 2013]). Upon reading defendant's counsel's opposition, the court finds that defendant failed to raise a triable issue of fact. 3 3 of 5 [*FILED: 4] WESTCHESTER COUNTY CLERK 10/11/2018 11:27 AM NYSCEF DOC. NO. 75 Under these circumstances, INDEX NO. 51150/2017 RECEIVED NYSCEF: 10/11/2018 the Court is satisfied that plaintiff has complied with all conditions precedent prior to the commencement of this foreclosure action. All matters not herein decided are denied. This constitutes the Decision and Order of the court. THEREFORE, based upon the stated reasons, it is hereby: ORDERED, that plaintiffs motion to reargue is granted, and upon reargument, plaintiffs motion (Seq 1) for summary judgment, and an order of reference appointing a referee to compute the amount due, and other relief sought by plaintiff is granted, as modified in the proposed order appointing a referee to compute pursuant to RP APL S 1321 shall be signed coincident herewith; and it is further ORDERED, that plaintiff shall serve a copy of this order with notice of entry upon the Clerk and the parties within ten (10) days of entry, and file proof of service within five (5) days of service; in accordance with NYSCEF protocols; and it is further ORDERED, that the Clerk shall mark his records accordingly. 4 4 of 5 [*FILED: 5] WESTCHESTER COUNTY CLERK 10/11/2018 11:27 AM NYSCEF DOC. NO. 75 RECEIVED NYSCEF: 10/11/2018 Dated: October 5, 2018 White Plains, New York TO: INDEX NO. 51150/2017 Jason D. Barringer, Esq. Schiller, Knapp, Lefkowitz & Hertzel, LLP Attorneys for Plaintiff 950 New Loudon Road, Suite 109 Latham, New York 12110-2100 Charles Fine, Esq. Attorney for Defendant 535 Broadhollow Road, Suite A3 Melville, New York 11747 5 5 of 5

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