LAKEVIEW LOAN SERVICING, LLC v. CHRISTOPHER MORRISSEY et al, 010546/2023, 1 (N.Y. Sup. Ct., Onondaga County Sep. 26, 2023) (2024)

`

`FILED: ONONDAGA COUNTY CLERK 09/26/2023 02:12 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 010546/2023
`
`RECEIVED NYSCEF: 09/26/2023
`
`NOTICE
`
`YOU ARE IN DANGER
`
`OF LOSING
`
`YOUR HOME
`
`If you
`
`do not
`
`respond
`
`to this
`
`summons
`
`and
`
`complaint
`
`for
`
`the mortgage
`
`with
`
`the
`
`court,
`
`company
`a defanIt
`
`who
`
`filed
`
`this
`
`foreclosure
`
`judgment
`
`may
`
`be entered
`
`and
`
`by
`
`serving
`
`of
`
`the
`
`answer
`
`a copy
`against
`proceeding
`can lose
`you
`
`you
`
`and
`
`homes
`
`your
`
`on the attorney
`the
`answer
`filing
`
`Speak
`
`to an attorney
`to answer
`the summons
`
`or go to the
`protect
`and
`
`court
`
`your
`
`your
`
`wherz
`property.
`
`case
`
`is pending
`
`for
`
`further
`
`information
`
`on how
`
`will
`
`not
`
`the
`
`foreclosure
`
`action.
`
`Sending
`
`a payrnent
`
`to the mortgage
`
`company
`
`stop
`
`YOU MUST
`THE PLAINTIFF
`
`A COPY OF THE
`BY SERVING
`RESPOND
`AND FILING
`(MORTGAGE
`COMPANY)
`
`ON THE
`FOR
`ATTORNEY
`ANSWER
`THE ANSWER
`WITH
`THE COURT.
`
`that
`
`any
`
`right
`
`have
`
`pursuant
`
`to the Fair Debt Collection
`
`Practices
`
`you may
`the debt
`does not
`
`or amount
`
`of
`
`You must
`
`follow
`
`change
`the instructions
`
`the time within
`
`which
`
`you must
`
`answer
`
`contained
`
`in the summons
`
`even
`
`if you
`
`dispute
`
`Act
`
`this
`
`notice
`
`further
`the validity
`and complaint.
`
`Please
`
`take
`
`to dispute
`
`summons
`the validity
`
`or amount
`
`of
`
`the debt.
`
`Dated:
`
`September
`
`14, 2023
`
`Robertson,
`& P
`Crane
`f
`
`Attomey
`
`Ans
`tz,
`.
`ers, P
`Plainti
`
`hneid,
`C
`
`BY
`Z.
`SKIN,
`[
`ANTHONY
`CELLUCCI,
`[
`ESQ.
`] SCOTT
`R. WEISS,
`[
`] KELLY
`R. FABER,
`ESQ.
`[
`] ANNETTE
`SHACHTER,
`[
`900 Merchants
`Concourse,
`NY 11590
`
`ESQ.
`ESQ.
`
`ESQ.
`Suite
`310
`
`Westbury,
`516-280-7675
`
`23-129112
`
`- ZaK
`
`Drafter:Zachary
`
`Kaye
`
`2 of 32
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/26/2023 02:12 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 010546/2023
`
`RECEIVED NYSCEF: 09/26/2023
`
`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 32
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/26/2023 02:12 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 010546/2023
`
`RECEIVED NYSCEF: 09/26/2023
`
`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 32
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/26/2023 02:12 PM
`NYSCEF DOC. NO. 1
`SUPREME
`COUNTY
`
`STATE
`
`OF NEW YORK
`
`COURT
`OF THE
`OF ONONDAGA
`
`INDEX NO. 010546/2023
`
`RECEIVED NYSCEF: 09/26/2023
`
`LAKEVIEW
`
`LOAN
`
`SERVIC1NG,
`
`LLC,
`
`Plaintiff,
`
`vs.
`
`CHRISTOPHER
`HOUSING
`THE STATE
`
`SECRETARY
`MORRISSEY;
`AND URBAN
`DEVELOPMENT;
`OF NEW YORK,
`
`OF
`PEOPLE
`
`OF
`
`INDEX
`
`NO.
`
`COMPLAINT
`
`Property:
`Subject
`22 SENECA
`STREET
`BALDWINSVILLE,
`
`NY 13027
`
`"JOHN
`
`twelve
`
`plaintiff,
`
`tenants,
`
`having
`premises,
`
`DOE #1"
`names
`
`being
`the persons
`
`occupants,
`or claiming
`described
`
`DOE #12,"
`"JOHN
`and unknown
`or parties
`intended
`or corporations,
`in or
`lien
`
`the last
`
`to
`
`the
`being
`if any,
`the
`
`upon
`
`through
`
`fictitious
`
`persons
`
`an interest
`
`in the complaint,
`
`Defendants,
`
`The
`
`complaint
`
`of
`
`the above-named
`
`plaintiff,
`
`by Robertson,
`
`Anschutz,
`
`Schneid,
`
`Crane & 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 September
`
`30, 2015,
`
`CHRISTOPHER
`
`MORRISSEY
`
`duly
`
`executed
`
`anddelivered
`
`a note
`
`MORRISSEY
`
`whereby
`
`CHRISTOPHER
`
`promised
`
`to pay
`
`the sum of S135,500.00
`
`plus
`
`interest
`
`as
`
`set
`
`forth
`
`in said 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
`
`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 femclose
`
`the subject
`
`irote
`
`and mortgage
`
`pursuant
`
`to New York
`
`law.
`
`IIMIIIIIIllIllIIIIIIIMIIIIIIII
`23-1291t2-Z(cid:5)K
`
`IIIIIIIIINIIIlllIllIIIIIIHIIIIIIIIII
`
`11111111111111111111111111
`Kaye
`Drafter:Zachary
`
`5 of 32
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/26/2023 02:12 PM
`NYSCEF DOC. NO. 1
`
`4.
`
`That
`
`to secure
`
`the payment
`
`of
`
`the sum represented
`
`by said note, CHRIST
`
`INDEX NO. 010546/2023
`
`RECEIVED NYSCEF: 09/26/2023
`OPHER MORRISSEY,
`
`duly
`
`executed
`
`and delivered
`
`a mortgage
`
`which
`
`was
`
`recorded
`
`as follows
`
`and the mortgage
`
`tax
`
`thereon
`
`was duly
`
`paid:
`
`Recording
`
`Date: October
`
`1, 2015
`
`County:
`
`ONONDAGA
`
`Book
`
`17856
`
`Page
`
`0598
`
`Said mortgage
`
`was
`
`assigned
`
`to Plaintiff
`
`by assignment
`
`of mortgage
`
`duly
`
`executedon
`
`a date
`
`prior
`
`to
`
`the filing
`
`of
`
`the complaint.
`
`A copy
`
`of said mortgage
`
`is annexed
`
`hereto.
`
`5.
`
`known
`
`Said mortgage
`
`secured
`
`the real property
`
`as 22 SENECA
`
`STREET,
`
`BALDWINSVILLE,
`
`NEW YORK
`
`13027
`
`and by Section
`
`020, Block
`
`01, Lot
`
`15.0 together
`
`with
`
`all
`
`fixtures
`
`and articles
`
`of
`
`personal
`
`property
`
`annexed
`
`to,
`
`installed
`
`in, or used
`
`in connection
`
`with
`
`the mortgaged
`
`premises,
`
`all as
`
`is more
`
`fully
`
`set
`
`forth
`
`in said mortgage.
`
`A coliy
`
`of
`
`the legal
`
`description
`
`is set
`
`forth
`
`on Schedul.e
`
`A
`
`annexed.
`
`6,
`
`Plaintiff
`
`is the owner
`
`and holder
`
`of said note
`
`and mortgage
`
`or has beeti
`
`delegated
`
`the authority
`
`to
`
`7.
`
`8.
`
`9.
`
`institute
`
`a mortgage
`
`foreclosure
`
`action
`
`by the owner
`
`and holder
`
`of
`
`the said-note
`
`and mortgage.
`
`Plaintiff
`
`has complied
`
`with
`
`all conditions
`
`precedent
`
`contained
`
`in the mortgage,
`
`if any.
`
`To the extent
`
`applicable,
`
`Plaintiff
`
`has complied
`
`with
`
`RPAPL
`
`1304
`
`and RPAPL
`
`1306,
`
`To the extent
`
`applicable,
`
`Plaintiff
`
`has complied
`
`with
`
`all of
`
`the provisions
`
`of Banking
`
`Law section
`
`595-a
`
`and any rules
`
`and regulations
`
`promulgated
`
`thereunder,
`
`Banking
`
`Law sections
`
`6-1 and 6-m.
`
`failed
`
`with
`
`the conditions
`
`of
`
`the note
`
`and mortgage
`
`10. That Defendants
`
`to comply
`
`by failing
`
`to make
`
`the payment
`
`that became
`
`due on March
`
`1, 2023
`
`and each
`
`subsequent
`
`payment
`
`thereafter.
`
`11. That
`
`by reason
`
`of such
`
`defaults,
`
`Plaintiff
`
`hereby
`
`declares
`
`the balance
`
`of
`
`the principal
`
`indebtedness
`
`immediately
`
`due and payable.
`
`12, That
`
`there
`
`is now due and owing
`
`to the plaintiff,
`
`the principal
`
`sum of $114,819.45
`
`with
`
`interest
`
`thereon
`
`from February
`
`1, 2023
`
`plus
`
`accumulated
`
`late charges
`
`together
`
`with
`
`any
`
`sums
`
`advanced
`
`by
`
`the plaintiff
`
`on behalf
`
`of defendant.
`
`23-1291t2-ZaK
`
`Drafter:Zachary
`
`Kaye
`
`6 of 32
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/26/2023 02:12 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 010546/2023
`
`RECEIVED NYSCEF: 09/26/2023
`
`13. That
`
`plaintiff
`
`shall
`
`not
`
`be deemed
`
`to have waived,
`
`altered,
`
`released
`
`or changed
`
`the election
`
`bereinbefore
`
`made
`
`by reason
`
`of
`
`the payment
`
`after
`
`the date
`
`of
`
`the commencement
`
`of
`
`this
`
`action,
`
`of
`
`any or aD of
`
`the defaults
`
`mentioned
`
`herein·
`
`and such
`
`election
`
`shall
`
`continue
`
`and remain
`
`effective
`
`until
`
`the costs
`
`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
`
`this
`
`action
`
`are fully
`
`paid
`
`14. That
`
`tq protect
`
`its security
`
`afforded
`
`by said note
`
`and mortgage,
`
`it may
`
`be necessary
`
`for
`
`the plaintiff
`
`which
`
`to pay taxes,
`
`assessments,
`
`water
`
`rates
`
`and insurance
`
`premiums
`
`are, or may
`
`become
`
`liens
`
`on
`
`the mortgaged
`
`premises,
`
`and any
`
`other
`
`charges
`
`for
`
`the protection
`
`of
`
`the premises,
`
`and plaintiff
`
`hemby
`
`demands
`
`that any amounts
`
`which
`
`may
`
`be so expended
`
`shall
`
`be added
`
`to the amount
`
`of
`
`the
`
`principal
`
`sum secured
`
`by said
`
`note
`
`and mortgage,
`
`together
`
`with
`
`interest
`
`from the time
`
`of ariy such
`
`payment,
`
`and that
`
`the same
`
`be paid
`
`to the plaintiff
`
`from the proceeds.
`
`of
`
`the foreclosure
`
`sale herein.
`
`15. That
`
`the plaintiff
`
`alleges
`
`that no other
`
`proceedings
`
`have
`
`been
`
`had for
`
`the recovery
`
`of
`
`the mortgage
`
`or
`
`such action
`
`a final
`
`judgment
`
`was not
`
`rendered
`
`in favor
`
`of Plaintiff
`
`indebtedness
`
`if any
`
`is pending,
`
`and such
`
`action
`
`is intended
`
`to be discontinued,
`
`16. 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.
`
`17. The
`
`description
`
`of each of
`
`the named
`
`party
`
`defendants
`
`interest
`
`is set out on Schedule
`
`"B"
`
`annexed
`
`18. The
`
`interest
`
`or
`
`lien
`
`of each of
`
`the named
`
`party
`
`defendants,
`
`if any,
`
`is set
`
`forth
`
`in Schedule
`
`"C"
`
`anneXed.
`
`provide
`
`that defendants
`
`shall
`
`be liable
`
`for
`
`reasonable
`
`19. The
`
`terms
`
`of said mortgage
`
`to plaintiff
`
`attomeys'
`
`fees
`
`incurred
`
`by plaintiff
`
`to protect
`
`or enforce
`
`plaintiffs
`
`security
`
`interest
`
`in the premises.
`
`24
`
`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 aH violations
`
`thereof;
`
`any and all building
`
`and zoning
`
`regulations,
`
`restrictions
`
`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,
`
`23-1291
`
`t2 - ZaK
`
`Drafter:Zachary
`
`Kaye
`
`7 of 32
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/26/2023 02:12 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 010546/2023
`
`RECEIVED NYSCEF: 09/26/2023
`
`if any;
`
`any and all orders
`
`or
`
`requirements
`
`issued
`
`by any govenimental
`
`body
`
`having
`
`jurisdiction
`
`against
`
`or affecting
`
`said
`
`premises
`
`and any violation
`
`of
`
`the same;
`
`tbo physical
`
`condition
`
`of any
`
`building
`
`or structure
`
`on the premises
`
`as of
`
`the date of closing
`
`hereunder;
`
`rights
`
`of
`
`tenants
`
`in
`
`possession,
`
`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
`
`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,
`
`hazardous
`
`wastes,
`
`asbestos
`
`or any material
`
`containing
`
`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 INTENTIONALLY
`
`LEFT
`
`BLANK
`
`23-129112
`
`- ZaK
`
`Drafter:Zachary
`
`Kaye
`
`8 of 32
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/26/2023 02:12 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 010546/2023
`
`RECEIVED NYSCEF: 09/26/2023
`
`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
`
`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
`
`regulations,
`
`restrictions
`
`and
`
`ordinances
`
`of
`
`in which
`
`said premises
`
`of
`
`the
`
`the municipality
`
`are situated,
`
`and to any violations
`
`same,
`
`including,
`
`but not
`
`limited
`
`to,
`
`reapportionment
`
`of
`
`lot
`
`lines,
`
`and vault
`
`charges,
`
`if any;
`
`any
`
`and all.orders
`
`or
`
`requirements
`
`issued
`
`by any govemmental
`
`body
`
`having
`
`jurisdiction
`
`against
`
`or
`
`affecting
`
`said
`
`premises
`
`and any
`
`violation
`
`of
`
`the same;
`
`the physical
`
`condition
`
`of any building
`
`siructure
`
`on the premises
`
`as of
`
`the date of closing
`
`hereunder;
`
`rights
`
`of
`
`tenants
`
`in possession,
`
`or
`
`if
`
`any;
`
`prior
`
`ntortgages
`
`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
`
`317, CPLR Section
`
`2003
`
`and CPLR
`
`Section
`
`5015,
`
`if any;
`
`any and all Hazardous
`
`Materials
`
`in the premises
`
`including,
`
`asbestos
`
`but not
`
`limited
`
`to,
`
`flammable
`
`explosives,
`
`radioactive
`
`materials,
`
`hazardous
`
`wastes,
`
`or any
`
`material
`
`containing
`
`asbestos,
`
`and toxic
`
`substances;
`
`and other
`
`conditions
`
`as set
`
`forth
`
`in the terms
`
`of sale more
`
`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
`
`from the sale may
`
`be brought
`
`into
`
`court;
`
`Plaintiff
`
`may
`
`be paid
`
`the amount
`
`due on said note
`
`and mortgage
`
`as alleged
`
`together
`
`with
`
`interest
`
`to the time
`
`of such
`
`payment,
`
`together
`
`with
`
`the sums
`
`expended
`
`herein,
`
`by plaintiff
`
`prior
`
`of
`
`this action,
`
`and for
`
`thirty
`
`days aller
`
`any sale demanded
`
`herein
`
`to and during
`
`the pendency
`
`for
`
`taxes, water
`
`rates,
`
`sewer
`
`rents,
`
`assessments,
`
`insurance
`
`premiums
`
`and other
`
`necessary
`
`and
`
`essential
`
`charges
`
`or expenses
`
`in connection
`
`therewith
`
`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 amount
`
`secued
`
`thereby,
`
`with
`
`interest
`
`ther.eon
`
`costs
`
`and expenses
`
`of
`
`this
`
`action
`
`including
`
`reasonab]c
`
`from the time
`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
`
`property
`
`used
`
`in
`
`connection
`
`with
`
`the said mortgaged
`
`p emises,
`
`except
`
`if discharged
`
`in bankruptcy;
`
`23-129112
`
`- Z(cid:5)K
`
`Drafter:Zachary
`
`Kaye
`
`9 of 32
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/26/2023 02:12 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 010546/2023
`
`RECEIVED NYSCEF: 09/26/2023
`
`G.
`
`The obligors
`
`may
`
`be adjudged
`
`to pay any deficiency
`
`which
`
`may
`
`rernain
`
`after
`
`appl ying
`
`all
`
`of said monies
`
`so applicable
`
`thereto
`
`unless
`
`the obligors
`
`were
`
`discharged
`
`in bankruptcy;
`
`H.
`any;
`
`L
`
`awarding
`
`the relief
`
`requested
`
`in the additional
`
`causes
`
`of action
`
`stated
`
`in the complaint,
`
`if
`
`Plaintiff
`
`shall
`
`have
`
`such ather
`
`and further
`
`relief
`
`or both,
`
`in the premises
`
`as shall
`
`be just
`
`and equitable.
`
`Dated:
`
`September
`
`14, 2023
`
`Robertson,
`& Pa
`Crane
`for
`
`Attorney
`
`Ansch
`
`Sc
`PLL
`
`eld,
`
`aintiff
`
`BY:
`
`[
`
`S
`
`Z. BO
`, ESQ.
`THONY
`ESQ.
`E LUCC),
`] SCOTT
`ESQ.
`R. WEISS,
`[
`] KELLY
`R. FABER,
`ESQ.
`[
`] ANNETTE
`SHACHTER,
`[
`900 Merchants
`Concourse,
`NY 11590
`
`ESQ.
`Suite
`3 10
`
`Westbury,
`516-280-7675
`
`23-129112
`
`- ZaK
`
`Drafter:Zachary
`
`Kaye
`
`10 of 32
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/26/2023 02:12 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 010546/2023
`
`RECEIVED NYSCEF: 09/26/2023
`
`NOTE
`
`PHA CaseNo
`
`SEPTENBER
`30,
`[Date]
`
`2 015
`
`I,IV32t70oL,
`[City)
`
`ngw yong
`LState}
`
`22 BENECA
`
`BTREET,
`
`BALDNZNEVIL1,E
`[Property
`Address)
`
`(VAN BUREN)
`
`, NY 13027
`
`00 (this amount
`is called
`plus
`"Principal"),
`I will make all payments
`under
`this Note in the
`
`and wito is entitled
`
`be charged on unpaid principal
`
`until
`
`the full amount of Principal
`
`has been paid.
`
`I will pay interest at a yearly
`
`rate
`
`1. BORROWER'S
`TO PAY
`PROMISE
`In return
`for a loan that
`I have received,
`I premise
`to pay U.S. 3135,500.
`nterest
`to the order of
`the Londer. The Lender
`is PIAEA
`BOHE MORTGAGE
`INC..
`form of cash, check or money order.
`I understand
`that
`the Lender may transfer
`this Note. Šhe Lander or anyone who takes this Note bytransfer
`"
`to receive payments
`under
`this Note is called the "Note Holder
`2.INTEREST
`Inte est will
`of 3, 750%
`The imprest
`
`rate required
`
`by this Section 2 is the rate I will pay both before and aher any default described
`
`ht Section 4(B) of
`
`this Note.
`3. PAYMENTS
`(A) Thme and Place of Payments
`I will
`pay principal
`and interest by making
`a paymem every month.
`I will make my monthly
`on the 18T day of each month
`payment
`on NOVEMBER
`I will make these
`2015.
`beginning
`1,
`payments
`every month untH I have paid all of
`the principal
`and interest and any other charges described
`I may owe under
`below that
`this Note. Each monthly
`will be applied
`payment
`as of
`its scheduled
`due dataand
`will
`be applied
`to interest
`and other
`items
`in the
`order described
`in the Security
`Instrument
`before Principal.
`If, on OCTOBER
`1 still owe amounts
`1,
`under
`2045,
`this Note,
`I will
`pay those amounts
`Date."
`in fW] on that date, which
`is called the "Maturity
`I win make my monthly
`at 4820
`payments
`EASTGATE
`place
`if
`required
`by the Note Holder.
`(B) Amount
`of Monthly
`Paymen ts
`payment will be in the amount of U.S. $627,
`My monthly
`4, BORROWER'S
`RIGHT
`TO PREPAY
`I have the right
`to make payments
`of Principal
`at any time before they am due. A payment
`of Principai
`"Prepayrnent/'
`only
`When I make a Prepayment,
`I will
`ten the Note Holder
`in writing
`that
`I am doing so, I may not designate
`a Prepayment
`I have not made all
`if
`the monthly
`payments
`due under
`the Note.
`I may inake a full Prepayment
`or partial Prepayments
`without
`a Prepayment
`charge. The Note Holder will
`paying
`use my
`Prepayments
`to reduce the amount of Principal
`that
`] owe under
`this Note. However,
`the Note Holder may apply my Prepayinent
`to
`any accrued and unpaid
`interest
`on the Prepayment
`amount
`before applying my Prepayment
`to reduce the Principal
`amount
`of
`the
`Note.
`If
`I make a partial Prepayment,
`there will
`be no changes
`in the due date or in the amount
`of my monthly
`payment
`unless the
`Note Holder
`agrees in writing
`to those changes.
`5. LOAN
`CHARGES
`If a law, which
`to this loan and which
`applies
`sets maximum loan charges,
`is finally
`so that
`interpreted
`the interest
`or other
`loan charges collected
`or to be cohected
`in connection
`with this loan exceed the partnitted
`then:
`(a) any such Icen charge shall
`limits,
`be reduced by the amount
`to reduce the charge to the permitted
`necessary
`and (b) any sums already
`limit;
`collected
`from me which
`exceeded permitted
`limits win be refunded
`to me, The Note Holder may choose to make this reamd by reducing
`the Principal
`I owe
`under
`this Note
`or by making
`a direct
`payment
`to me.
`If a refund
`reduces
`the reduction
`Principal,
`will
`be treated
`as a partial
`Prepayment.
`6. BORROWER'S
`FAILURE
`TO PAY AS REQUIRED
`(A) Late Charge
`for Overdue
`Payments
`If
`the Note Holder has not
`received the fW1 amount of any monthly
`Page t of 3
`
`different
`
`MALL,
`
`80ITE
`
`100 ,
`
`5AN
`
`DIBGO,
`
`CA 92121
`
`or at a
`
`52.
`
`is known
`a payment
`
`as a
`as
`
`GEn 36.63
`
`payment
`
`by the end of 15 calendar days aAct
`
`the date it
`
`is
`
`FTIA Mamstate Fixed Rate Nets - et/15
`
`11 of 32
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/26/2023 02:12 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 010546/2023
`
`RECEIVED NYSCEF: 09/26/2023
`
`payment
`
`on the date it
`
`is due,
`
`I will be in default.
`
`by a
`the
`by
`
`does not
`at a later
`
`require me to pay immediately
`time.
`
`in fhil as described
`
`above,
`
`I wi)1 pay a late charge to the Note Nokier.
`due,
`The amount
`the c,nrge will
`of
`be 4 . 000% of my over
`unless such
`lue payment,
`arnount exceeds
`the maximum amount
`allowed
`state law,
`by applicabic
`case the Lender may collect
`in which
`the maximum amount
`allowed
`by such law.
`I will
`pay this late charge promptly
`but only once on each into payment.
`(B) Default
`If
`I do not pay the full amount of each monthly
`(C) Notice of Default
`If
`I am in default,
`the Note Holder may send me a written
`notice tel1lag me that
`I do not pay the overdue
`if
`amount
`certain
`the Note Holder may requim me to pay immediately
`date,
`the full amount
`of Principal
`has not been paid and all
`which
`that 1 owe on that amount. That date must be at least 3D days after
`interest
`the date on which
`the notice
`is mailed to me or delivered
`other mentis.
`(D) No Walter
`By Note Hokler
`Even if, at a time when 1 am in default,
`the Note Holder
`the Note Holder will
`stilt have the right
`to do so if 1 em in default
`(E) Fayment
`of Note Holder's
`Costs and Expenses
`If
`the Note Holder
`has required me to pay immediately
`in full as described
`the Note Holder will
`above,
`paid back by me for all of
`its costs and expenses
`this Note to the extent not prohibited
`in enforcing
`by applicable
`attorneys'
`for example,
`reasonable
`include,
`fees.
`7. GMNG OF NlyflCES
`Unless applicable
`law requires
`a diffemm
`that must be given to me under
`any notice
`method,
`be given
`this Noie will
`it or by mailing
`it by first class mail
`delivering
`to me at the Property Address
`above or at a dilkrent
`address if
`l give the Note Holder
`notice of my different
`address.
`Any notice that must be given to the Note Holder
`to the Note Holder
`mail
`at the address stated in Section
`address.
`8, OBLIGATIONS
`OF PERSONS
`THIS NOTE
`UNDER
`If more than one person signs this Note, each person is fully and poisonally
`to keep all of
`obligated
`the promises made in this
`the promise
`to pay the full amount
`Note,
`owed. Any person who in a guarantor
`including
`of
`or endorser
`this Note is also
`surety
`obligated
`to do these things. Any person who takes over
`these obligations,
`the obligationg
`of a guarantor,
`surety or endorser
`including
`of
`this Note,
`is also obligated
`to keep ali of
`the promises made in this Note. The Note Holder may enforce
`its rights under
`this Note
`against each person ladividually
`or against all of us together. This means that any ane of us may be required
`to pay all of
`the amounta
`owed under
`this Note.
`p. WAIVERS
`I and any other
`person who has obligations
`under
`this Note waive
`of Presentment
`the rights
`of Dishonor.
`and Notice
`"Presentment"
`of Diahonor" means the right
`means the right
`to require
`the Note Holder
`to detnand payment
`due.
`of amounts
`"Notice
`to require
`the Note Holder
`to give riotice to other persons that amounts
`due have not been paid,
`10. UNIFORM
`SECURED
`NOTE
`This Note is a uniform instrument
`with limited
`in some jurisdictions,
`variations
`to the protections
`In addition
`given to the
`Note Holder
`under
`this Note, a Mortgage,
`Deed of Trust, or Security Deed (the "Security
`dated the sarne date as this
`Instrument"),
`the Note Holder
`Note, protects
`from possible
`losses which might
`result
`if
`I do not keep the promises which
`I make in this Note, That
`Instrument
`describes
`how and under what conditions
`Security
`I may be required
`to make immediate
`payment
`in fbtl of all amounts
`owe under
`this Note. Some of
`those conditions
`are described
`as follows
`If all or any part of
`or any laterest
`the Property
`in the Property
`is sold or transfened
`natural person and a beneficial
`inte est
`in Borrower
`is sold or transfbreed)
`Leadet's
`without
`Lender may require immediate
`payment
`in ihll of all sums secured by this Security
`Insnument.
`aball not be exercised by Lender
`if such exercise is prohibited
`by Applicable
`Law.
`If Lender exercises
`this option,
`Lender
`shall give Borrower
`notice of acceleration
`notice shall provide
`The
`a period
`of not
`less than 3D days from the date the notice
`Is given
`in accordance
`with Section
`13 within which
`Borrower must pay all aums secured by this Security
`If Borrower
`Instrurnent.
`fails
`to pay these sums prior
`to the
`expiration
`of
`this period,
`Leader may invoke
`any remedies
`permitted
`by this Security
`Instrument
`without
`further
`riotice or demand
`on Bonower.
`
`have the right
`to be
`law. Those expenses
`
`by
`a
`
`this Note will be given by delivering
`under
`it by first class
`it or by mailing
`3(A) above or at a different
`address
`if
`I am given a notice of
`that different
`
`1
`
`if Bormwer
`(or
`prior written
`However,
`
`is not a
`consed,
`this option
`
`G 36.63
`
`Page 2 of 3
`
`PHA Hu1thturr Rzed Ante Nott " 01/15
`
`12 of 32
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/26/2023 02:12 PM
`NYSCEF DOC. NO. 1
`
`INDEX NO. 010546/2023
`
`RECEIVED NYSCEF: 09/26/2023
`
`WITNESS
`
`TH
`
`AND(S)
`
`AND SEA&S)
`
`OF THE UNDERSIGNED.
`
`- BONtONER
`
`-
`
`CHRI
`
`RER MORRISSET
`
`MORTGAGE
`NATIONW1DE
`MORTGAGB
`NATIONWIDE
`
`LOAN ORIGINATOR
`DAVID
`KlutR
`SOLENAUER
`MORTGAGE
`LICENSING
`SYSTEM AND REGISTRY
`LOAN ORIOINATION
`COMPANY
`PREMIER
`UNTATE
`MORTOAGE
`SYSTEM AND RBGISTRY
`LICENSING
`
`IDENTJFICATION
`HORTQAGE
`IDENTIFICATION
`
`3NC.
`
`NUMBER
`
`55997
`
`NUMBER
`
`1018489
`
`(Sign Original Only)
`
`.
`
`.
`
`36.63
`
`Page S of 3
`
`FMA Multistate7uted Rate Note - GUls
`
`13 of 32
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/26/2023 02:12 PM
`NYSCEF DOC. NO. 1
`
`PLAZA
`
`INDEX NO. 010546/2023
`
`RECEIVED NYSCEF: 09/26/2023
`
`G 88
`
`HOME MORTGAGEINC.
`
`Note
`
`Al1onge
`
`Borrower:
`
`MORRISSEY,
`
`CHRISTOPHER
`
`Loan
`
`Loan
`
`Note
`
`#:
`
`Amount:
`
`Date:
`
`Property
`
`Address:
`
`Pay
`
`to
`
`the
`
`order
`
`of:
`
`$
`
`135,500.00
`
`9/30/2015
`
`SENECA
`22
`BALDWINSVILLE,
`
`STREET
`
`NY
`
`13027-
`
`Without
`
`Recourse:
`
`Plaza
`
`Home
`
`Mortgage,
`
`Inc.
`
`Michael
`
`Modell
`
`Senior
`
`Vice
`
`President
`
`of
`
`Capital
`
`Markets
`
`14 of 32
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/26/2023 02:12 PM
`Page 1 of 12
`NYSCEF DOC. NO. 1
`
`INDEX NO. 010546/2023
`
`RECEIVED NYSCEF: 09/26/2023
`
`ONONDAGA
`COUNTY
`OFFICE
`CLERK'S
`COUNTY
`CLERK
`- ACTING
`NORFOLK
`JACKlE
`- Roorn
`200
`St
`401 Montgomery
`NY 13202
`Syracuse,
`
`Phone:
`Fax:
`
`315-435-2226
`315-435
`
`3455
`
`Doc Type:
`Mortgagor:
`Mortgages:
`
`MTG
`CHRISTOPHER
`MORRISSEY
`PLAZA HOME MORTGAGE
`As NOMINEE
`MERS
`
`INC
`
`Legal Desc:
`
`VAN B44 BVILLE
`
`Address"
`
`Prdp
`
`22 SENECA
`
`ST
`
`Recording
`
`CS
`Inst: 34865
`at 1:59PM
`MS
`
`1241791
`Receipt
`17856/0898
`Boolc/Page:
`10/01/2015
`Date Fifed:
`10/02/2015
`Updated:
`and Retum To:
`Record
`HOME MORTGAGE
`PLAZA
`MALL
`EASTGATE
`4820
`CA 92121
`SAN DIEGO
`by: RICK SPATARI
`Submitted
`
`INC
`STE 100
`
`Addi pages:
`
`Addi Names:
`
`AddI Refe:
`Misc-
`
`Basic
`
`TOTAL:
`
`Madgage.
`Basic.
`ina Fund:
`Net Add:
`Misc:
`
`TOTAL
`WARNING
`Property
`of
`recording
`office.
`
`Miscellaneous
`
`Fees
`
`Fees
`11 x 5.00 =
`0 x 0.50 =
`0 x 0.50 =
`
`$ 55.00
`
`RMl:
`
`TP 584:
`
`RP5217:
`
`AFFTS:
`
`$ 0.00
`
`$ 0.00
`
`0.00
`$25.50
`
`$80.50
`
`TOTAL:
`
`====*
`
`MORTGAGE
`
`TAX
`
`DEED
`
`TRANSFER
`
`TAX
`
`$135500.00
`$677.50
`$338.75
`$313.75
`$0.00
`=======
`$1330.00
`
`Consideration
`Tax:
`Transfer
`SWIS:
`Map #
`
`Total Paid
`Control
`
`nÁ
`
`$ 20.00
`
`$ 0.00
`
`$ 0.00
`
`$ 0.00
`
`==
`
`$ 20.00
`
`$0 00
`
`========
`
`$ 1430.50
`DG8580
`
`- This
`Law of
`were
`
`sheet
`the
`State
`paid.
`
`the Clerk's
`constitutes
`endorsem*nt,
`Do not
`of New York.
`detach.
`contained
`information
`Certain
`
`Taxes
`in this
`
`required
`imposed
`document
`
`of
`319
`by Section
`instrument
`this
`on
`verified
`is not
`by
`
`the Real
`at
`time
`
`this
`
`Book/
`
`Page
`
`17856
`
`05 98
`
`Instrument
`
`/
`
`JACKlE
`Onondaga
`
`NORFOLK
`County
`no.:
`
`Clerk
`
`(Acting)
`34665
`
`Book:
`
`Page:
`17856
`15 of 32
`
`598
`
`File
`
`Number:
`
`2015-00034665
`
`Seq:
`
`1
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/26/2023 02:12 PM
`Page2 of 12
`NYSCEF DOC. NO. 1
`
`INDEX NO. 010546/2023
`
`RECEIVED NYSCEF: 09/26/2023
`
`0NONDAGACOUNW
`BASCTAX
`$
`MTG.INS.RJNDTAX
`TONALTAx :
`NETA
`UTALMTG.TMMD
`$
`
`.uO
`
`o 5
`
`ultM WhenRecordedMailTo:
`
`FeeparedBy:
`
`rzaza moMEnoRzensE Inc.
`50s EDGENETERDR 5566
`NAMEritta
`
`3ZAth 2014 Hopcoman, xac.
`4820 EnaTGiLTE Mt55, SUITE
`smu prBlil% CA921n
`ATTN: 9089 ChipszRG
`
`ISpameABetWTNa 13seFea-Recoalin-gDamj
`
`MORTGAGE
`
`TI13SMORTGAGE 4"5ecurity hwtrutocatªJis given an GEPTEMBER30 , 2015. The nartgagor is
`CARE8ToeNER MORRESSETmiteseaddscesis 22 $ENECA STREETa IEEDWINSVEM,15, NT
`13027 ("Borrower"). T1lisSecurityhistrurn ni is given to MortgageElectronic RegimregionSystenu, Inc.
`("MF.RS"k MERS is a separatecorporation thai is acung solely as a noamineefor Lender nod Lender's
`susressert.andassigns.MERE is argani2td and existing under the Jawsat Delaware,and hasa umiling
`addressof F,0, Box 2026, FlrnL M1485042026, anda streeraddressof 1901E VoorticesStreci. SusicC,
`Danville, EL 61534. The MERS telephone number la (885) 679-MliRE. FOR PURPOSES OF
`RECORPING TES MORTGAGE MERS IS THE MORTGAGER OF RECORD, PLAEA EONR
`MtutzGILGE ZNC. ("Leader") is organized and enisting ander the laws of C'..hLIFORMIA.and has an
`addr¢ssof 500 BDGENATRIt DR 5864, NMEEF2ELD, NA 01880. Barrower.owes Leader the
`principalsun ofceIE RUNDkEDTBIRTF-pTVR TEQUSANDFIVE NUNDREDApp 00/100 Dollars
`IU.5. 3135, 500,00). This debt is evidencedby Berrowers notedagedghesamedateat dWsSeemity
`Enstrument("Note*L which provideafor monthly payments,with the full debt. if nol paid carlier. due and
`payableanOCTOBER1, 2045. his BecurityInnoumentsecurestoLendcMal
`theWpayntemof the debt
`evideamd by the Note, with imerest, madall renewals extensionsand:podifkutiums of the Note: (b) the
`paymentof all othersums,with intteregg,adwmcednoder Paragraph7 m pmicotthe securityohhis Scenrity
`Jastrumcat;and(c) aeperforromeceof Bonowers covenantsand ngreementsunderthis SecurityIngnameni
`and Ibe Note. For this purpose,Borrower doeshereby mortgage,grant and convey to MERS tselely as
`pennesefor 1.enderandLanderssuccessorsandmigns) andto thesuccessorsand angignsof MERS.with
`mortgage
`and with powerofsale, dhefoUpsing describedpropettylocakidinQAlQNDRGBCousy,
`New York
`LEGAL DESCR3ETIGNATERCEEDAERETOAND HMik A I RT IlEREOp.
`whicli hasibe addrcesof 22 BEMECA EEREET, Bath IIMeVEZ&B (VAM BUREIG , RY 13027
`("Propeny Address")
`
`EMANewYorkMarissy-12/13
`39ti.®
`
`Pap I of t
`
`Book:
`
`Page:
`17856
`16 of 32
`
`598
`
`File Number:
`
`2015-D0034665
`
`Seq:
`
`2
`
`

`

`FILED: ONONDAGA COUNTY CLERK 09/26/2023 02