FAREVERSE LLC I/L/T/N FINANCE OF AMERICA REVERSE LLC v. PATRICIA WALSH et al, 701566/2022, 1 (N.Y. Sup. Ct., Queens County Jan. 24, 2022) (2024)

`

`FILED: QUEENS COUNTY CLERK 01/24/2022 11:24 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 701566/2022
`
`RECEIVED NYSCEF: 01/24/2022
`
`NOTICE
`
`YOU ARE IN DANGER
`
`OF LOSING
`
`YOUR HOME
`
`If
`
`you
`
`do
`
`not
`
`respond
`
`to
`
`this
`
`errr:¤
`
`and
`
`esmplaint
`
`by
`
`serving
`
`attorney
`answer
`
`for
`
`the mortgage
`
`with
`
`the court,
`
`campany
`j;;dg;-cut
`a default
`
`who
`
`fRed
`
`this
`
`foreclosure
`
`may
`
`be entered
`
`and
`
`piscêêding
`you
`enu lose your
`
`of
`
`a copy
`against
`
`the
`
`answer
`
`on
`
`you
`
`and
`
`filing
`
`the
`
`the
`
`bome.
`
`Speak
`
`to an attorney
`to answer
`the r--r::s
`
`or go to the
`
`court
`
`where
`
`your
`
`case is pending
`
`for
`
`further
`
`inform.stics
`
`on how
`
`and
`
`protect
`
`your
`
`property.
`
`Scuding
`
`a payment
`
`to the mortgage
`
`company
`
`wHI
`
`not
`
`stop
`
`the forwctosure
`
`action.
`
`YOU MUST
`THE
`PLAINTIFF
`COURT.
`
`RESPOND
`BY SERVINO
`(MORTGAGE
`
`A COPV OF THE
`AND
`
`COMPANY)
`
`ANSWER
`
`FILING
`
`ATTORNEY
`ON THE
`THE
`ANSWER
`WITH
`
`FOR
`THE
`
`notin
`
`that any
`or amount
`
`right
`
`you may
`the debt
`does
`
`of
`
`Pleasc
`
`take
`
`to dispute
`
`summons
`the validity
`
`further
`the validity
`and complaint.
`or amount
`
`You must
`
`follow
`
`the instructions
`
`of
`
`the debt.
`
`not change
`
`have
`
`pursuant
`
`to the Fair Debt Collection
`
`Practices
`
`the time within
`which
`in the summons
`
`contained
`
`you must
`answer
`if you
`
`even
`
`dispute
`
`Act
`
`this
`
`Dated:
`
`November
`
`15, 2021
`
`An
`Robertson,
`& Part
`Crane
`for
`
`Attorney
`
`tz, Schneid
`rs, PLL
`ainti
`
`BY:
`
`. BORISK15,
`I S
`[
`[X] ANTHONY
`CELLUCC).
`] LUCE PIERRE-RUSSON,
`[
`} MARGlSELLE
`ESTEVEZ.
`[
`] ANNETTE
`SHACHTER,
`[
`900 Merchants
`Concoutsc,
`NY I1590
`Westbury,
`516-280-7675
`
`ESQ.
`ESQ.
`ESQ.
`ESQ.
`ESQ.
`Suite
`3 lo
`
`21-088489
`
`- NyH
`
`Drafter|Nyssa
`
`Hardy
`
`2 of 30
`
`

`

`FILED: QUEENS COUNTY CLERK 01/24/2022 11:24 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 701566/2022
`
`RECEIVED NYSCEF: 01/24/2022
`
`SUPREME
`COUNTY
`
`OF THE STATE
`COURT
`OF QUEENS
`
`OF NEW YORK
`
`FAREVERSE
`REVERSE
`
`LLC
`LLC,
`
`I/UT/N
`
`FINANCE
`
`OF AMERICA
`
`PlaintilT,
`
`vs.
`
`INDEX
`
`NO.
`
`COMPLAINT
`
`Subject
`221-67
`QUEENS
`
`Property:
`91ST ROAD
`VILLAGE,
`
`NY 1 l428
`
`PATRICIA
`URBAN
`
`BY
`
`CAPITAL
`
`EDESON
`
`5TATES
`
`OF
`
`SECRETARY
`AND
`WALSH:
`OF HOUSING
`DEPARTMENT
`DEVELOPMENT;
`OF SOCIAL
`OF THE CITY
`OF NEW YORK ACTING
`SERVICES
`AND THROUGH
`THE COMMlSSIONER
`OF SOCIAL
`OF THE CITY
`OF NEW YORK;
`SERVICES
`ONE BANK
`CONSOLEDATED
`N.A.;
`(USA),
`COMPANY
`OF NEW YORK,
`UNITED
`INC.;
`SERVICE-
`REVENUE
`LNTERNAL
`AMERICA,
`NEW YORK
`OF THE TREASURY;
`DEPARTMENT
`CITY
`NEW YORK CITY
`PARKING
`VIOLATIONS
`BUREAU;
`NEW YORK
`ENVIRONMENTAL
`CONTROL
`CITY
`TRANSIT
`ADJUD1CATION
`
`BOARD;
`BUREAU,
`
`through
`
`"JOHN
`
`twelve
`
`plaintiff,
`
`tenants,
`
`having
`premiscs,
`
`DOE #1"
`names
`
`being
`the persons
`
`occupants,
`or claiming
`described
`
`DOE #12,"
`"jOHN
`fictitious
`and unknown
`or parties
`intended
`persons
`or corpomtions,
`an interest
`in or
`lien
`in the complaint,
`
`the (ast
`
`to
`
`being
`
`upon
`
`the
`if any,
`the
`
`Defendants.
`
`The
`
`complain1
`
`of
`
`the above-narned
`
`plaintiff,
`
`by Robertson,
`
`Anschutz,
`
`Schneid,
`
`Crane & Partners,
`
`PLLC,
`
`its attorneys,
`
`alleges
`
`upon
`
`information
`
`and beliefas
`
`follows:
`
`1.
`
`Plaintiff
`
`is organized
`
`under
`
`the laws
`
`of
`
`the United
`
`States
`
`of America
`
`or
`
`its state of
`
`fonnation.
`
`1111I|lll1111111M1111111AA
`21-086489
`-NyH
`
`IIIIIIHIllllAllAIAll
`111l11111II|M1111111111111B11111111
`DrafterNyssa
`Hardy
`
`3 of 30
`
`

`

`FILED: QUEENS COUNTY CLERK 01/24/2022 11:24 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 701566/2022
`
`RECEIVED NYSCEF: 01/24/2022
`
`2.
`
`On July
`
`18, 20I1,
`
`PATRICIA
`
`WALSH
`
`duly
`
`executed
`
`and delivered
`
`a note. A copy
`
`of said note
`
`is
`
`annexed
`
`hereto.
`
`3.
`
`Plaintiff.
`
`directly
`
`or
`
`through
`
`an agent
`
`has complied
`
`with
`
`all applicable
`
`laws
`
`in an attempt
`
`to
`
`establish
`
`ownership
`
`and/or
`
`possession
`
`of
`
`the subject
`
`note
`
`and the right
`
`to foreclosure
`
`of same.
`
`Plaintiff
`
`has possession
`
`and control
`
`of
`
`the original
`
`note
`
`and mortgage,
`
`which
`
`note
`
`is secured
`
`by the mortgage
`
`is either made
`
`payable
`
`to Plaintiff
`
`or
`
`indorsed
`
`in blank.
`
`To the
`
`identified
`
`below,
`
`and the said note
`
`is duly
`
`extent
`
`that
`
`the original
`
`note
`
`or
`
`interim
`
`assigniscr.ts
`
`of mortgage
`
`are lost or unavailable,
`
`Plaintiff
`
`has the
`
`right
`
`to foreclose
`
`the subject
`
`note
`
`and mortgage
`
`pursuant
`
`to New York
`
`law.
`
`4.
`
`PATRICIA
`
`WALSH,
`
`duly
`
`executed
`
`and delivered
`
`a mortgage
`
`securing
`
`the amounts
`
`owed
`
`by
`
`PATRICIA
`
`WALSH,
`
`up to a maximum
`
`principal
`
`amount
`
`of $570,000.00,
`
`which mortgage
`
`was
`
`recorded
`
`as follows
`
`and the mortgage
`
`tax
`
`thereon
`
`was duly
`
`paid:
`
`Recording
`
`Date:
`
`September
`
`26, 2011
`
`County.
`
`Queens
`
`20I1000340927
`
`CRFN:
`
`Said mortgage
`
`was assigned
`
`to Plaintiff
`
`by assignment
`
`of mortgage
`
`duly
`
`executed
`
`on a date prior
`
`to
`
`the filing
`
`of
`
`the complaint
`
`A copy
`
`of said mortgage
`
`is annexed
`
`hereto.
`
`5.
`
`Said mortgage
`
`secured
`
`the real property
`
`known
`
`as 221-67
`
`91ST
`
`ROAD,
`
`QUEENS
`
`VILLAGE,
`
`NEW YORK
`
`1 1428 and by Block
`
`10739,
`
`lot
`
`44 together
`
`with
`
`all
`
`fixtures
`
`and articles
`
`of personal
`
`propeny
`
`annexed
`
`to,
`
`installed
`
`in, or used
`
`in connection
`
`with
`
`the mortgaged
`
`premises,
`
`all as is more
`
`fully
`
`in said mortgage.
`
`of
`
`the legal
`
`description
`
`is set
`
`forth
`
`on Schedule
`
`A annexed.
`
`set
`
`forth
`
`A copy
`
`6.
`
`PATRIClA
`
`WAL SH also executed
`
`and delivered
`
`to plaintiff
`
`a Home
`
`Equity
`
`Conversion
`
`Loan
`
`Agreement,
`
`which
`
`provided
`
`for
`
`the payment
`
`of
`
`the sums
`
`secured
`
`by the mortgage.
`
`7.
`
`Plaintiff
`
`has complied
`
`with
`
`all conditions
`
`pmcedent
`
`contained
`
`in the mortgage,
`
`if any,
`
`including
`
`but not
`
`limited
`
`to, sending
`
`a notice
`
`to cure
`
`default
`
`to the mortgagors
`
`as set
`
`forth
`
`in the mortgage.
`
`8.
`
`Plaintiff
`
`declares
`
`the full
`
`amount
`
`payable
`
`under
`
`the note and mortgage
`
`to be now due.
`
`21-086489-
`
`NyH
`
`Drafter'Nyssa
`
`Hardy
`
`4 of 30
`
`

`

`FILED: QUEENS COUNTY CLERK 01/24/2022 11:24 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 701566/2022
`
`RECEIVED NYSCEF: 01/24/2022
`
`9.
`
`Plaintiff
`
`alleges
`
`as the basis
`
`of default
`
`under
`
`the terms
`
`of
`
`the note, mortgage
`
`and,
`
`if applicable,
`
`the H.ome
`
`liquity
`
`Conversion
`
`Loan
`
`Agreement.
`
`__
`
`__
`
`___
`
`__
`
`and the Property
`
`is not
`
`the principal
`
`residence
`
`of at
`
`least one
`
`of
`
`Property
`
`in a trust
`and no other
`under
`a Icase for
`of
`rtot
`period
`or
`Borrower,
`such
`an interest
`
`in
`
`of'Borrower
`to be the principal
`rrsidence
`has ceased
`is not
`the principal
`and the Property
`residence
`of at
`
`for
`reasons
`one other
`
`least
`
`other
`
`A Borrower
`has died
`Borrower.
`surviving
`interest
`(or his or her beneficial
`in the Property
`title
`All
`of a Bor
`ower's
`has been
`all or part
`transferred
`the Property)
`sold
`or otherwise
`owning
`titic
`to the Property
`in fee simple,
`(b) a leaschold
`retains
`Borrower
`(a)
`not
`less than
`99 yeam which
`or a lease having
`is renewable
`a remaining
`less than
`50 years
`beyond
`the date of
`the 100th
`of
`the youngest
`birthday
`estate
`in the
`(or a beneficial
`interest
`in a trust with
`(c) a life
`the Property)
`The Property
`than
`death,
`Borrower.
`For a period
`
`occupy
`physically
`not
`the principal
`The Borrower
`
`3 The Borrower
`
`of
`
`than
`longer
`consecutive
`twelve
`months,
`(12)
`or mental
`of physical
`because
`the Property
`Borrower.
`of at
`least one other
`residence
`has failed
`to submit
`a required
`certificate
`has failed
`to make
`required
`payments
`water/sewer
`and/or
`charges.
`The Borrower
`has failed
`to maintain
`The Borrower
`has failed
`to comply
`
`a Bonower
`illness
`
`to
`has failed
`and the Property
`
`is
`
`of occupancy.
`taxes.
`
`property
`
`for
`
`irtsurance
`
`the property.
`with
`an obligation
`
`under
`
`the Security
`
`as follows:
`
`10.
`
`The Secretary
`
`of Housing
`
`and Urban
`
`Development
`
`approved
`
`acceleration
`
`of
`
`the debt
`
`on
`
`November
`
`23, 2020.
`
`and RPAPL
`
`1306.
`
`1 1.
`
`To the extent
`
`applicable,
`
`Plaintiff
`
`has complied
`
`with
`
`RPAPL
`
`1304
`
`12.
`
`13.
`
`14.
`
`To the extent
`
`applicable.
`
`Plaintiff
`
`has complied
`
`with
`
`Banking
`
`Law 9-x.
`
`To the extent
`
`applicable,
`
`Plaintiff
`
`has complied
`
`with RPL
`
`280-b
`
`and RPL
`
`280-d.
`
`To the extent
`
`applicable,
`
`Plaintiff
`
`has complied
`
`with
`
`all of
`
`the provisions
`
`of Banking
`
`Law § 595-a
`
`and any
`
`rules
`
`and regulations
`
`pmmulgated
`
`thercunder,
`
`Banking
`
`Law §§ 6-1 and 6-m.
`
`15.
`
`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.
`
`21-086489
`
`- NyH
`
`Orafter'Nyssa
`
`Hardy
`
`5 of 30
`
`

`

`FILED: QUEENS COUNTY CLERK 01/24/2022 11:24 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 701566/2022
`
`RECEIVED NYSCEF: 01/24/2022
`
`16.
`
`The
`
`default
`
`has continued
`
`beyond
`
`the applicable
`
`grace
`
`period
`
`set
`
`forth
`
`in the mortpge,
`
`and by
`
`reason
`
`thereof,
`
`plaintiff
`
`has elected
`
`and hereby
`
`elects
`
`to declare
`
`immediately
`
`due and payabic
`
`the entire
`
`unpaid
`
`balance
`
`of principal.
`
`17.
`
`As of November
`
`19, 2021
`
`there
`
`is now due and owing
`
`to the plaintiff,
`
`the total
`
`sum of
`
`5367,826.69.
`
`Pursuant
`
`to the terms
`
`of
`
`the inortgage,
`
`the amount
`
`due and owing
`
`is subject
`
`to change
`
`as the
`
`sums
`
`as provided
`
`for
`
`in the note, mortgage
`
`and,
`
`if applicable,
`
`the Horne
`
`Equity
`
`Conversion
`
`Loan
`
`part of
`
`the unpaid
`
`principal
`
`balance.
`
`Agreement
`
`are added
`
`to and become
`
`18.
`
`In order
`
`to obtain
`
`a current
`
`payoff
`
`quote,
`
`or
`
`reinstatement
`
`quote
`
`if
`
`the loan
`
`is cligibic
`
`to be
`
`reinstated,
`
`you may
`
`email
`
`your
`
`request
`
`to Robertson,
`
`Anschutz,
`
`Schneid,
`
`Crane & Partners,
`
`PLLC
`
`at
`
`nyrein.payoff@rasig.com
`
`or call
`
`(516)280-7675
`
`ext.
`
`2888.
`
`19.
`
`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 commencement
`
`of
`
`this
`
`action,
`
`of any or
`
`shall
`
`continue
`
`and remain
`
`effective
`
`until
`
`the costs
`
`all of1he
`
`defaults
`
`roentiõñed
`
`hemin;
`
`and such
`
`election
`
`and disbursem*nts
`
`of
`
`this
`
`action,
`
`and any and all
`
`future
`
`defauhs
`
`under
`
`the aforesaid
`
`bond
`
`or note
`
`and
`
`mortgage,
`
`and occurring
`
`prior
`
`to the discontinuance
`
`of
`
`this action
`
`are fully
`
`paid.
`
`20.
`
`That
`
`to protect
`
`its security
`
`afforded
`
`by said
`
`bond
`
`or note
`
`and mortgage,
`
`it may
`
`be necessary
`
`for
`
`the plaintiff
`
`to pay taxes,
`
`assessments
`
`and water
`
`rates which
`
`are, or may become
`
`liens
`
`on the mortgaged
`
`premises.
`
`and any other
`
`charges
`
`for
`
`the protection
`
`of
`
`the premises,
`
`and plaintiff
`
`hereby
`
`demands
`
`that any
`
`of
`
`the principal
`
`sum secured
`
`amcüüts
`
`which may
`
`be so expended
`
`shall
`
`be added
`
`to the amount
`
`by said
`
`bond
`
`or note
`
`and mortgage,
`
`together
`
`with
`
`interest
`
`from the time
`
`of any such
`
`payment,
`
`and that
`
`the same
`
`be paid
`
`to the plaintiff
`
`fmm the proceeds
`
`of
`
`the fomclosure
`
`sale herein.
`
`21.
`
`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 fmal
`
`judgment
`
`was not
`
`rendered
`
`in favor
`
`of
`
`Plaintiff
`
`and such
`
`action
`
`is intended
`
`to be discontinued.
`
`21-086489
`
`- NyH
`
`Orafter
`
`Nyssa
`
`Hardy
`
`6 of 30
`
`

`

`FILED: QUEENS COUNTY CLERK 01/24/2022 11:24 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 701566/2022
`
`RECEIVED NYSCEF: 01/24/2022
`
`22.
`
`That
`
`plaintiff
`
`further
`
`alleges
`
`that all
`
`the defendants
`
`have,
`
`or may
`
`claim to have,
`
`some
`
`interest
`
`in,
`
`or
`
`lien
`
`upon
`
`the mortgaged
`
`premises,
`
`or some
`
`part
`
`thereof,
`
`which
`
`interest
`
`or
`
`lien,
`
`if any,
`
`is subject
`
`and
`
`subordinate
`
`to the lien
`
`of
`
`the mortgage
`
`being
`
`foreclosed.
`
`23.
`
`The
`
`description
`
`of each
`
`of
`
`the named
`
`defendants'
`
`party
`
`interest
`
`is set out on Schedule
`
`"B"
`
`annexed.
`
`The
`
`intemst
`
`or
`
`lien
`
`of each of
`
`the narned
`
`is set
`
`forth
`
`in Schedule
`
`"C"
`
`24.
`
`annexed.
`
`party
`
`defendants,
`
`if any,
`
`25.
`
`The
`
`terms
`
`of said mortgage
`
`provide
`
`that defendants
`
`shall
`
`be liable
`
`to plaintiff
`
`for
`
`reasonable
`
`attorneys'
`
`fees incurred
`
`by plaintiff
`
`to protect
`
`or enforce
`
`plaintiff
`
`s security
`
`interest
`
`in the premises.
`
`26.
`
`That
`
`the sale of
`
`the mortgaged
`
`premises
`
`and title
`
`thereto
`
`are 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
`
`regulations,
`
`restrictions
`
`and
`
`of
`
`ordinances
`
`of
`
`the municipality
`
`in which
`
`said premises
`
`art
`
`situated,
`
`and to any
`
`violations
`
`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
`
`v41sion
`
`of
`
`the same;
`
`the physical
`
`condition
`
`of any building
`
`or structum
`
`on the premises
`
`as of
`
`the
`
`date
`
`of closing
`
`hereunder;
`
`rights
`
`of
`
`tenants
`
`in possession.
`
`if any;
`
`prior mortgages
`
`and judgments,
`
`if any,
`
`of Redemption
`
`of United
`
`States
`
`rights
`
`now liens
`
`of
`
`record:
`
`right
`
`of America,
`
`if any;
`
`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,
`
`but not
`
`limited
`
`to,
`
`flammable
`
`explosives,
`
`radioactive
`
`materials,
`
`hazanSous
`
`wastes,
`
`asbestos
`
`or any material
`
`cea½Mg
`
`asbestos,
`
`and toxic
`
`substances;
`
`and other
`
`conditions
`
`as set
`
`forth
`
`in the terms
`
`of sale more
`
`particularly
`
`to be announced
`
`at
`
`the sale.
`
`THE REMAINDER
`
`OF THIS
`
`PAGE
`
`IS LEFT
`
`BLANK
`
`INTENTIONALLY
`
`21-086489
`
`- NyH
`
`Orafter'Nyssa
`
`Hardy
`
`7 of 30
`
`

`

`FILED: QUEENS COUNTY CLERK 01/24/2022 11:24 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 701566/2022
`
`RECEIVED NYSCEF: 01/24/2022
`
`WHEREFORE,
`
`plaintiff
`
`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
`
`prernises;
`
`B.
`
`Said mortgaged
`
`premises
`
`be sold
`
`subject
`
`to the state
`
`of
`
`facts
`
`an accumte
`
`survey
`
`will
`
`show;
`
`all covenants.
`
`restrictions,
`
`casem*nts,
`
`agreements
`
`and reservations,
`
`if any, of mcord,
`
`and to any and all violations
`
`thereof;
`
`any and all building
`
`and zoning
`
`regulations,
`
`restrictions
`
`and
`
`ordinances
`
`of
`
`in which
`
`said
`
`premises
`
`violations
`
`of
`
`the
`
`the municipality
`
`are situated,
`
`and to any
`
`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
`
`aficcting
`
`said
`
`premises
`
`and any
`
`violation
`
`of
`
`the same;
`
`the physical
`
`condition
`
`of any building
`
`structure
`
`on the premises
`
`as of
`
`the date of closing
`
`hereunder,
`
`rights
`
`of
`
`tenants
`
`in possession,
`
`or
`
`if
`
`any·
`
`prior mortgages
`
`and judgments,
`
`if any, now liens
`
`of
`
`record;
`
`right
`
`of Redemption
`
`of United
`
`States
`
`of America,
`
`if any;
`
`rights
`
`of any defendants
`
`pursuant
`
`to CPLR
`
`Section
`
`3 17, CPLR
`
`Section
`
`2003
`
`and CPLR
`
`Section
`
`5015,
`
`if any;
`
`any and all Hazardous
`
`Materials
`
`in the premises
`
`including,
`
`hazardous
`
`asbestos
`
`but not
`
`limited
`
`to,
`
`flammable
`
`explosives,
`
`radioactive
`
`materials,
`
`wastes,
`
`or any
`
`asbestos,
`
`and toxic
`
`substances;
`
`and other
`
`conditions
`
`as set
`
`forth
`
`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
`
`hercin;
`
`D.
`
`E,
`
`The monies
`
`arising
`
`from the sale may
`
`be brought
`
`into
`
`court
`
`Plaintiff
`
`may
`
`bc paid
`
`the amount
`
`due on said note
`
`and mortgage
`
`as alleged
`
`herein,
`
`together
`
`with
`
`interest
`
`to the lime
`
`of such payment,
`
`together
`
`with
`
`the sums
`
`expended
`
`by
`
`plaintiff
`
`prior
`
`to and during
`
`the pendency
`
`of
`
`this
`
`action,
`
`and for
`
`thirty
`
`days
`
`after
`
`any sale
`
`demanded
`
`herein
`
`for
`
`taxes, water
`
`rates,
`
`sewer
`
`rents,
`
`assessments,
`
`insurance
`
`premiums
`
`and other
`
`necessary
`
`and essential
`
`charges
`
`or expenses
`
`in connection
`
`themwith
`
`to protect
`
`the mortgage
`
`lien,
`
`plus
`
`any sums
`
`expended
`
`for
`
`the protection
`
`or preservation
`
`of
`
`the property
`
`covered
`
`by said
`
`mortgage
`
`and note,
`
`and the arnount
`
`secured
`
`thereby,
`
`with
`
`interest
`
`thereon
`
`payment
`
`and the costs
`
`and expenses
`
`of
`
`this
`
`action
`
`including
`
`reasonable
`
`from the time
`attorneys'
`
`of such
`
`fees so far as
`
`the amount
`
`of such monics
`
`properly
`
`applicable
`
`thereto
`
`will
`
`pay
`
`the same;
`
`The
`
`plaintiff
`
`be decreed
`
`to be the owner
`
`of any and all personal
`
`pmpcrty
`
`used
`
`in
`
`connection
`
`with
`
`the said mortgaged
`
`premises,
`
`except
`
`if discharged
`
`in bankruptcy;
`
`21-086489
`
`- NyH
`
`Drafter'Nyssa
`
`Hardy
`
`8 of 30
`
`

`

`FILED: QUEENS COUNTY CLERK 01/24/2022 11:24 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 701566/2022
`
`RECEIVED NYSCEF: 01/24/2022
`
`complaint,
`
`G.
`
`H.
`
`the relief
`
`requested
`
`in the additional
`
`causes
`
`of action
`
`stated
`
`in the
`
`awarding
`
`if any;
`
`Plaintiff
`
`shall
`
`have
`
`such other
`
`and further
`
`relief
`
`or both,
`
`in the premises
`
`as shall
`
`be just
`
`and equitable.
`
`Dated:
`
`November
`
`15, 2021
`
`Robertson,
`& Pa
`Crane
`for
`Attorney
`
`Ari
`
`tz, Sch
`rs PLLC
`lainti
`
`id,
`
`BY:
`
`] SA
`Z. BORISKIN,
`[
`[X] ANTHONY
`CELLUCCI,
`] LUCE
`PIERRE-RUSSON,
`[
`] MARGISELLE
`[
`ESTEVEZ,
`] ANNETTE
`SHACHTER.
`[
`900 Merchants
`Conconne,
`NY I 1590
`
`ESQ.
`ESQ.
`ESQ.
`ESQ.
`ESQ.
`Suite
`310
`
`Westbury,
`516-280-7675
`
`21-086489-
`
`NyH
`
`Drafter'Nyssa
`
`Hardy
`
`9 of 30
`
`

`

`i
`FILED: QUEENS COUNTY CLERK 01/24/2022 11:24 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 701566/2022
`
`RECEIVED NYSCEF: 01/24/2022
`
`ADJUSTABLE-RATE
`NOTE
`HQIE
`EQ UtTY CONVERSION
`guaoit wa-wee-
`pe pubunaeaei no win eveensewnao.nneecape
`
`July 18, 2011
`Dmig:
`Property Address:
`22MT 91st Rd, Queerts VIHuge, NY 11428
`
`t.
`
`L
`
`3.
`
`&
`
`5.
`
`pErlumoNs
`"Borrower" memns each person shydng st me und of mie NoIs tender"
`ed
`rnese One Reverus MortgagedLÇ
`"Secretarf means the Secretary of Housing end Urban Develeprrient or his or her
`Its successors and semigrigi
`sumorked representativue.
`
`BORRUWER'S PROMISE TO PAY: BIIEREST
`In return for emounts to De advanoad by Lenew m or for me beneAt of Barrower under me terms of a Home Equity
`Comnefelon Loert Agreemem dated July 18, 2011 ("Loan Agpeernett"). Bonewer promises to pay to me order of
`Lander a prirudpol mmowd squmi to the earn of mi Laun Advermes made under the Laun Agreemerd with IrdereeL AII
`Irdurust wE
`mmowits advanced by Lander, plus Inturuel. I not paid seHIer, are due and payable un June 22, 2099.
`be churged on urgeld prindpgi at the rate of TWO AND 186t1000 percem (2,188%) per year trigli me A14grriount of
`dth Peregrsph 5 of this Note. Amrued Marest
`pdncipal has beari pak1.The 1rnarest rute may change In emordena
`shell be added to the prMdpal bdence sp a L.ean Advenge st the end gr egsh month.
`
`PROMBE TO PAY SEQURED
`Earromert promise gopsy In secured by a rriorgsge, 0sed of trust or elmher security Instrument
`that
`la duled he
`Instrwnent." That Segurity Instrument protests me Lander Bom
`same date ps thle Note and called the "Sagurlty
`kissee which might reedt
`If Borrower deibulls Under this Note.
`
`MANNER OF PAYlMINT
`Tirns
`(A)
`Bonuwer
`regikirg
`
`principal and accrued Mtæust In Lunder teen ruue-9t of a notice Dy Lender
`pay all cutstuding
`teI
`Immedisle payment-Ire-bil, as proeded irt Peregraph 7 of this Note-
`
`(B)
`
`(c)
`
`Place
`Pgymert shgI be made st Orie Reverse Mortgage, LLC, 9710 Sergartorg Road, $dte 300, Swi Diege, CA
`a2121 or any such other pleoe an Lender may designate M wrldng by notIce to 8ommer,
`
`of umbMay
`umagnon
`IIorrower shelf hgve no pureond IIddity for payment of me debt. Lainder sheI enbrom me debt ordy Oroich
`emieof me Property Exrveredtry the Security Instrtunant ("Property").
`If tNu Nega le maelped m the SeeMIdMy,
`the Barrower shmi not be liable Ior eny dilbrunce between the mortgage insuranou bangAta paid to Lander
`and thu cutstanding hdetsechase,
`including accrued himrsst. owed by Eonuwer at me tine of the assignmmL
`
`INTEREST RATE CHANGE5
`Chungs Deep
`(A)
`year
`The Interest reta may change on the Ermtday of October. 2011, end an [ ] thsl day of each succeeeg
`insane eedi date m which the Interest rete oDEdd
`D(] me Bret day of each succeedng month. *Chenge Debt
`change.
`
`(op
`
`(c)
`
`g
`
`The todem
`Begiming whh the Ilon Chenge Dete, the IMereal rate wig be Desed on an bu$sr. "hdex" megris the Interbank
`q5ered rates for one monf1 UA ddlerveranineted
`depoolts in the London rriorket (llBOR").
`as pthushed M
`The I¼E Sever Joumni cri the Erst bumbees day ef mechweek, which In Monday, or Tuesday 5 Monday la a
`nongubHohing day. Any parligular
`Indeµ le valid untI a New Index is published the Igliowing Monday, or
`day. "CErrent. Index" means the most report
`Index IIgure that in vend 30
`Is a nornneishhg
`Tuesday IMonday
`rcurded to oree dgIts b the dght of the decdrnel point. If the Indest (as defIrged
`days beare me change out
`above) le no loripar evailabia,
`t.ender WI use me a new hden my Mdex pruscribed by mu Beastery, Lander
`wIIgive agrrowerngtice of me new Iridex.
`
`cmaculmden of Interest Rate Changma
`Before eme Chaoge Dete, Lunder will ceiculate a new imeyest rate Dy adding a rnergin of TWO AND N0f190
`to the Ilmits stsied M Paragraph 5(O) of this Note,
`percentage pghits (2.900%) m the gurrer11indes Subject
`misarnount We be the new Werest rate und ths next Changa Duts.
`
`urnRe on hterest Rd• Changes
`[ ] The interest rate will never ngresse or decrease by more Iken hun percentage pchts (2.0%) on any eirigle
`Chege Date. The Iriterest rse wip never be rnore then Ave percentage pdnte (5.0%) higher cr lower Ihan the
`Inlim inderest tale stated m Paragraph 2 of mIn Noge.
`[1] The Inlarent role win never Incrammeabove TNELVE AND 188tt ODI percent (12.19A%).
`
`(E|
`
`Notice of Changem
`
`.
`
`essam apeney
`
`mmwemquades-hsgeHamtMum
`
`10 of 30
`
`

`

`FILED: QUEENS COUNTY CLERK 01/24/2022 11:24 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 701566/2022
`
`RECEIVED NYSCEF: 01/24/2022
`
`b me intermat rate. The notice must be given d least 25
`Londer wW give nodoe to Bonomer of my chage
`days before the new hteren rate takee enact. and must nut Ruth g) me date of the ncNam. (H) he Changs
`) Ihe old inNNeel rale. M the new Nerud
`(v) he Durrett hder and the dub It use pUldehed,
`Dete.
`rds,
`(vl) me meted
`of cohdding me e uemd hterem rNs, end (vil) any other lrdorrne6on which may b required
`by law hom time m time.
`
`(F)
`
`Effecthe cate of Changes
`A new interest 440 calculated In enordance with paragraphs 6(C) and 6(D) d this Note win beteme effecdve
`an the Change Dete, unless 1he Change Date occurs less then 25 days alter Lender has given the required
`If the Nerest
`rence,
`rate coloudmed in ocoordance whh Paragraphs 5(C) and 5(D) of mie NCGBdecreased. but
`Lander imNedlo give emely ncEne of the decreene and apphed a higher rate men the Fate WHch creyld have
`then Lander shell ressic,dege the prino|pel balance owed under this Nas so 11
`been aluted b mtimely notics,
`43ee nol collect any excessive inieceet.
`
`L
`
`GORROWENS RIUMT TO PREPAY
`A Borrower has the right to
`the debt evidepoed by flis Notes m whole or in part wthod disrge or penaAy, Any
`emourt of debt propuld wN
`t be uppiled to reduce the princþpl balance of me Second Note descrbed In
`Peugeph
`11 of mim Nahs and then to reduce E1sprincipal balance of WaBNota.
`
`ANprepayrnerts of the prh@al belenam shmAbe spAnd by Lender es followsc
`lo that porton of
`the prin®ml
`behoe
`reprwomrning mggrugge payments tr mortgage inshnunce
`FeW.
`premiurns;
`
`Thet
`
`Seeme.
`
`to met porcen of me prheipal beianeerupresenting mgrugde paymeram tr mandelagrums;
`to that porgon of the prhdpel belence russummisig eowued irAerest due onder the Note. arull
`Fourth,10 the rememing portm of the grincipal Defence. A Barrower
`inny spedly whether a prepaymem le to
`be oredted to that portion of
`the gshdpal bdence representing rnontly
`payrnerds or me lbu of peat.
`If
`Ehmower does not dealgnate which patiort of the principal balmee It m bu prepaid. Lander enal epply sty
`partlel prepaymento to an exlating line of credit or meate a new Ilne of czedE
`
`IMMEDIATE PAYMENT4N#ULL
`Death or Sele
`(A)
`Leader may rests
`
`0)
`
`gg
`
`immadlets paymerd-h4ull of all outeleriding princlp5I erWIeGorUedhterest
`the prindpsi
`A Barrower des and the Property is ret
`reeldens of a least one surwhhg BomMuer, cr
`AA of a Bomnvet% Elle M the Property (or NIs or her beneficial hterest
`in a trust ownhg el cr part of me
`Pvuperty) la ads or athenvise trunofurred' und no ather Barrower edgine the as the Property In fee single
`or retake a loseshold under a lease for not less the 90 yueru Wadt
`is renewatde Dr a lease havlag e
`lose then 50 years beyond me detu of
`reredning period of not
`the 100m birthday of the youngest
`Berrower or retains a Ilfe estate, (or retaining a beneAelal hierest
`In a trust with anch an Internet m me
`Property)
`
`|f;
`
`(B) Other Grounds
`Lander rney require immedletu payment4n-mg of d cutsten®g
`II·
`by en sUthorized representedve W the Secretary,
`
`principd and accrued inlareal Epen appaWal
`
`g)
`
`for reasons ulher thwi duelh and the
`realdence of mBermwor
`the Property causes to bu the prhdpul
`residence of et leent one other Borrower;
`Property in not me prindpal
`
`falls to physically occupy the Property
`(11) For a period of bnger men 12 owisecumve months. a Barrower
`residence of at least ene other
`because of physiced or mental Annan and the Paperty h nd the prhdpal
`Bertower; cr
`
`(lil)
`
`An obilgdion of me Borrower under me Secumy Instrurnerals not performect
`
`(C)
`
`(DJ
`
`Payment ut Costs emi Expensee
`the debt enforced throi.gh eale of me
`If Londer has coedred Irimusiiane paymert-h-fLdl es desp1bed above,
`reasonabia and customary attomey's less. == whead
`Properly may include eoets and expenses,
`inclu®g
`with eldergerrunni of thle Note to the entert not prehmited by app cable law. Buen fbes and costs shsil beer
`from the date of dieburnamwit. d the sene Fateas the prhdpol of this Not
`iderust
`
`Truste
`lo a trust medchmuste me requiremerits of fic Secretary
`Conveymco of a Borrowur's Mterest in me Prgerty
`or conveyance of a trUet's irtereste h the Property to a Bomrwer, sheA not be innaidered a corwayarmonfor
`purposes of thiu Paragraph. A trust shall rmt be considered an eam. ant of be considered as havleg e princ5st
`reeldence for purposes of thlz Pamgraph.
`
`WANEft$
`Bonewer waives the rights of psesentment and notice of dishonor. *Presentment' meere the right m require Lander
`e demand payment or amounta due. -Notlee of denomer" mams me riglt
`to require Lander to glWenotle to other
`persone that amounts due have riot been paid.
`
`.
`
`emenilas pumni
`
`.
`
`11 of 30
`
`mumunismemelse-msuncemisame
`
`

`

`FILED: QUEENS COUNTY CLERK 01/24/2022 11:24 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 701566/2022
`
`RECEIVED NYSCEF: 01/24/2022
`
`9,
`
`GMNG OF NCMCES
`tJName applkable Imu requhan a dIAWruntteethod, any nothe that muel be ghen to Bomnver under thls Note WI be
`to Bonower at the pauparty acidrune above or at a dlieveni
`ghen by de9vering It or by melling It by Gretdoes puI
`eddream if Sorrower hee gNen Lender e noeoe of Borrower's d Ferentaddren
`
`Any nallee that rnud be gNun In Lander under nds Note un be gNem by flret clees mes to Londer at me andress
`elmed In Puragraph 4(B} or et en dlNerent addrese if Bonower
`is given a notice gf mat different eddress.
`
`10
`
`OF PERSON8 UNDER THIS NOTE
`1c. OstlaATIQ5t5
`r more tlwn one person eigne two Nota. use pavedo is higy etdgeted to keep all er he pmadeen made Ir this Note.
`rney erdorce its rights under INs Note or4 arcagh eale e(me Pmpany.
`tender
`RELATIONSHIP T0 OECOND NOTE
`$esend Nute
`(A)
`19 or on beher of
`Because aemmer wm be reqñud
`to repey emourne wMsh me Secretary may mah
`Berrower persunrd to sedian 2550X1)(A) of the Ngdonel Housing Act end die Loan Ayeement,
`the SecrehNy
`hee required Borrower to grant a $eennd Note io the Senatory.
`
`qF Secretary Peyments Io tNs Note
`dB) Relatigasht
`Paymeras made by the Sacretary elwQ ret be dreluded In me debt due umler INo Note unleea-
`This Note le seeigned W the Secregory
`(I)
`The Secretary moomptsreirntussem*nts by the Lander tr di paymens med•by the Secretary.
`then all payments by the 5ecretsy,
`N the circ*mshmues described In (i) or (ii) ocar,
`induding kdarust on me
`shen be Induded In the debt
`paymm
`
`(II)
`
`(C)
`
`EAeet en Gomrwer
`or runntnssemerd us desgbed
`Where mere is no assigiment
`then Boranver anell not
`gmyrnents to Borrower,
`
`in (B)(l) or gt}. and thm Gagnitzy
`
`insksa
`
`(Q
`
`13.
`
`Inm end
`
`Be required to pay emeanim owed under thle Nule tritE the Secretury has required payment-h-hd of an
`outstandeg principal and earned Mteredimider me Second Note heki by the Secrutury.. nulwAhabadhg
`anythhig to the CoDMNyIn Peregraph 7 W INa Note. er
`SU 6e obligeled m pay interent or shared eppreciation under Ada Note at any time. wlwther earoed beibre
`paymeete by the Secreimy. and whether or not eccrued Irterest has been Included m Ihe
`or mRerto
`principal beience W this Ngle, riotmNhetending enything to me covanny in Penqpaphs 2 ec 8 of thle Nels
`or any AIonge W thle Note-
`altARED APPRECIATION pf AppEseble)
`r 8ormwar has anamned a Shered ApprecmBon Adorge,
`the covements W the Allenge shut be inmasied
`supplement
`the coveneree d thle Note so if the AAonge were a pet W UdeNots.
`
`adm P / 9-W J
`
`AY SIGNING BELQW, Bommer moomptmend myses Is the Ierms and covenants cordained Iri 9ds Ncts,
`
`&
`Bamwar. Petneta Wanth
`
`enam
`
`sed)
`
`PublG-S1meD1NewM
`rammowsm m.
`unman
`ama=
`N
`
`12 of 30
`
`

`

`FILED: QUEENS COUNTY CLERK 01/24/2022 11:24 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 701566/2022
`
`RECEIVED NYSCEF: 01/24/2022
`
`.. _
`
`ALLONGE
`
`TO NOTE
`
`ALLONGE
`
`TO NOTE DATED:
`
`July
`
`18,
`
`2011
`
`LOAN NUMBER·
`
`IN FAVOR OF:
`
`Orie Reverse
`
`Mortgage.
`
`LLC
`
`LOAN AMOUNT:
`
`$570,000.00
`
`AND EXECUTED
`
`BY:
`
`Patricia
`
`Walsh
`
`ADDRESS:
`
`221-67
`Queens
`
`91st
`Vil
`
`Rd
`lage,
`
`NY 11428-1476
`
`WITHOUT
`RECOURSE
`of
`Pay to the Order
`
`Urban
`
`Rnancial
`
`Group,
`
`Inc.
`
`Dul Raven itirtglige,. LLC
`
`By
`
`Amy Christensen
`Centreller of Q1efeverse Martgags. LLC
`
`C
`T
`
`IFiED
`COPY
`
`13 of 30
`
`

`

`FILED: QUEENS COUNTY CLERK 01/24/2022 11:24 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 701566/2022
`
`RECEIVED NYSCEF: 01/24/2022
`
`Allonge
`
`Loan Number:
`
`FHA CaseNumber
`
`BorrowerName(s)t
`
`PATBJCIAWALSH
`
`Pmpaty Adh
`
`22167 91st Rand
`Queens VNege, New Ywk
`
`11428
`
`Notefama
`
`Amoum:
`
`$570400.00
`
`NotefLemn Dete*
`
`7/18t2013
`
`PAY 7 O T1ΠORDER OF:
`
`WTWOUT RECOURSE
`
`Company Name:
`
`Urbna
`
`16
`
`ele! Group
`
`Inc
`
`C
`YR
`
`RTIFED
`COPY
`
`14 of 30
`
`

`

`FILED: QUEENS COUNTY CLERK 01/24/2022 11:24 AM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 701566/2022
`
`RECEIVED NYSCEF: 01/24/2022
`
`NYC DEPARTMENT
`OF THE CITY
`OFFICE
`
`OF FINANCE
`REGISTER
`
`the instrumeni
`This page n part of
`11tc City
`prov ided
`Register will
`rely on the mforntation
`by yon on this page ing purposes of
`indexing
`information
`on ihis page
`this inmument.7lic
`for indexing purposes in thecwnt
`wili control
`of any conruct with ghe rest of thc document.
`
`REÇÇRDING
`201109140F/44002
`ID:
`Document
`Type: MORTGAGF.
`Documeni
`Page Count:
`, Document
`10
`PRESENTER:
`