FILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`NYSCEF DOC. NO. 26
`
`INDEX NO. 800109/2023E
`
`RECEIVED NYSCEF: 05/22/2023
`
`SUPREME COURT OF THE STATE OF NEW YORK
`COUNTY OF BRONX
`----------------------------------------------------------------------------x
`U.S. Bank National Association, as trustee for the holders of
`the First Franklin Mortgage Loan Trust Mortgage Pass-
`Through Certificates, Series 2005-FF10,
`
` Plaintiff,
`
` -against-
`
`Anthony Cruz, Jacqueline Diaz a/k/a Jacqueline Cruz, United
`States of America, New York City Environmental Control
`Board, New York City Parking Violations Bureau,
`New York City Transit Adjudication Bureau, and “JOHN
`DOE #1" through “JOHN DOE #10", the last ten names being
`fictitious and unknown to the plaintiff, the person or parties
`intended being the person or parties, if any, having or claiming
`an interest in or lien upon the mortgaged premises described
`in the complaint,
`
` Defendants.
`---------------------------------------------------------------------------x
`
`NOTICE OF REJECTION
`Index No.: 800109/2023E
`
`PLEASE TAKE NOTICE, that the plaintiff herein rejects and returns the enclosed Answer
`
`on the grounds that same was not timely served. The rejected answer shall be treated as a notice of
`
`appearance.
`
`Dated: May 16, 2023
`Bay Shore, New York
`
`/s/ Alex Zamenhof____________________
`Alex Zamenhof, Esq.
`Frenkel, Lambert, Weiss, Weisman & Gordon
`Attorneys for Plaintiff
`Main Office: 53 Gibson Street
`Bay Shore, New York 11706
`(631) 969-3100
`Our File No.: 01-096822-F00
`
`TO: Jacqueline Cruz a/k/a Jacqueline Diaz
`Pro Se Defendant
`1839 Odham Drive
`Deltona, FL 32738
`
`1 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 24NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`Page
`
`1 of 3
`
`Non-Attorneys
`
`.
`
`Representing
`Filing
`"NYSCEF"
`
`(Unrepresented
`Themselves
`Agent
`/ Pro Hac Vice
`Registration
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`for Existing
`Cases
`
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`
`Litigants)
`
`/
`
`Expedited
`
`operating
`
`Processing:
`under
`time
`
`An E-Filing
`constraints,
`
`type
`
`account
`will
`"Expedite"
`
`in 24-48
`be issued
`hours.
`normally
`the page.
`at
`in the field
`the top of
`
`If you
`
`are
`
`(print
`
`full name)
`
`1.
`
`Choose
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`option
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`a, b, or c below:
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`
`and I am a party
`
`to the case set
`
`forth
`
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`
`b.
`
`of
`
`a member
`in good
`of
`outside
`in a jurisdiction
`the Bar
`the State
`standing
`been
`and I have
`New York,
`pro hac vice in the case
`set
`admitted
`forth
`the order
`of admission
`below and I have
`attached
`to this application.
`___________________________..__________________________________________________________________________________________...
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`If you
`
`have
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`
`(a) or
`
`(b) above,
`
`the case
`
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`
`Number:
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`Plaintiff/Petitioner
`
`-against
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`-
`
`IA..p
`
`(q,
`Defe
`
`r K
`f\r
`dan /Respond
`
`of
`nt
`
`try
`
`Critz-,eka
`
`c.
`
`a person
`agent")
`
`to use NYSCEF
`seeking
`for attorney(s)
`of
`record
`
`as an authorized
`in a case or cases.
`
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`
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`
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`
`MUST
`
`have their signature
`
`on Page 3
`
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`
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`
`and
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`agree
`
`that:
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`
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`The Primary
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`Account
`
`at which
`is the
`below
`Address
`E-Mail
`service
`address
`of
`after
`be made
`through
`NYSCEF
`commencement
`uponthe
`may
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`or parties
`represented
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`Holder.
`am representing
`I am not
`If
`and
`an attorney
`myself,
`NYSCEF
`Resource
`Center must
`first verify with the court
`the action
`an ID will be issued.
`before
`
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`the
`that
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`AII pages of
`this signed
`nyscef@nycourts.cov
`
`must be returned
`application
`in order
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`(fax)
`
`or
`
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`
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`1 of 142 of 36
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`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 24NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`Page
`2 of 3
`
`3.
`
`I am providing
`register
`as
`User
`ID and
`
`the
`following
`a NYSCEF
`Account
`Password.
`
`information
`Holder
`
`as
`
`required
`to obtain
`
`and
`
`to
`my
`
`Ml: _ Last Name:
`
`First Name
`
`Firm Name
`
`(if applicable):
`
`Primary
`
`Email
`
`Address:
`
`a C(cid:4)i
`
`g w
`
`Crit
`
`z
`
`perSk
`
`ent
`
`, C o h
`
`4.
`
`I understand
`
`and
`
`agree
`
`to
`
`the
`
`following:
`
`a.
`
`to the rules
`I will adhere
`Rules
`for New York State
`courts.
`participating
`
`in the Uniform
`Electronic
`Filing
`governing
`issued
`Trial Courts
`and any protocols
`
`by
`
`Non-Attorneys
`or Attorneys
`
`Themselves
`Representing
`Pro Hac Vice
`Admitted
`
`(Unrepresented
`
`Litigants)
`
`" "
`
`documents
`for
`use of my Account
`that each
`I understand
`filing
`on the document
`my signature
`constitutes
`with NYSCEF
`being
`of Part 130 of
`the requirements
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`for meeting
`the Rules
`of
`the Chief Administrator
`and all
`rules
`NYSCEF.
`governing
`
`Filina
`
`Aaents
`
`""
`
`of attorneys
`only on behalf
`file documents
`I will
`pursuant
`authorized
`me to file the documents
`Authorization
`form as permitted
`in the e-filing
`
`have
`who
`to a Statement
`rules.
`
`of
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`b.
`
`c.
`
`d.
`
`I understand
`result
`may
`
`that providing
`in a revocation
`
`on this form
`information
`any false
`Holderstatus.
`of my Account
`
`the confidentiality
`I will protect
`I have
`of my password.
`and secure
`I will
`been
`password
`has
`reason
`to believe
`that my
`compromised,
`at
`e-mail
`the
`NYSCEF
`Resource
`Center
`immediately
`by
`notify
`inform the court
`and
`I will also
`efile@nycourts.gov.
`I am an attorney,
`change
`Center
`of any
`in my employment
`the Resource
`immediately
`affiliation.
`
`If
`
`If
`
`E-Mail Address,
`If I need to modify my Primary
`Center
`a completed
`the Resource
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`form to nyscef@nvcourts.gov.
`
`I shall
`immediately
`of Primary
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`
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`address
`
`this signed
`All pages of
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`
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`
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`2 of 143 of 36
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`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 24NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`Page
`3 of 3
`
`that
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`provided
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`accurate
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`read,
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`and agree
`(Pleases
`print
`
`Note: Non-attorney
`
`applicants
`
`must have signature
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`as stated
`to the terms
`sign and date)
`name,
`notarized.*
`
`on this
`
`registration
`
`form
`
`42,
`
`K
`
`A
`
`Print
`
`Si
`
`ature
`
`Name
`
`Date:
`
`Odham
`
`Dwe,Dehan
`
`F L h738
`
`Jot NJUDE
`. NotaryPublic- StateofFlorida
`my?""""'G"f
`""4x2Tou
`BondedthroughNationalNotaryAssn.
`
`Address
`
`(Street,
`
`City, State,
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`Zip Code):
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`Sworn
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`to before me this
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`day of
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`
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`of Submission)
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`401-9146
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`Allpages
`must be returned
`to the E-filing
`in order
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`Resource Center
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`3 of 144 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 24NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`
`
`4 of 145 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 24NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`COURT
`SUPREME
`OF BRONX
`COUNTY
`Association
`U.S. Bank National
`
`OF THE
`
`STATE
`
`OF NEW YORK
`
`as trustee,
`
`v.
`
`Plaintiff,
`
`Index
`
`No. 800109/2023E
`
`PRO SE ANSWER
`VERIFIED
`TO FORECLOSURE
`COMPLAINT
`DAND COUNTERCLAIMS
`check
`box
`[Defendant:
`this
`item in the
`checked
`any
`"counterclaim"
`section
`
`below]
`
`if you
`
`Jacqueline
`
`Cruz,
`
`et al.
`
`Defendant(s).
`
`Defendant
`
`Jacqueline
`
`Cruz
`
`proceeding
`
`as follows:
`
`, Pro Se,
`
`answers
`
`the
`
`complaint
`
`in this
`
`I generally
`
`deny
`
`cach
`
`allegation
`
`of
`
`the Complaint,
`
`including
`
`any
`
`allegation
`
`that Plaintiff
`
`is the
`
`owner
`
`of
`
`the note
`
`and mortgage.
`
`I plead
`
`the
`
`following
`
`Defenses
`
`and Counterclaims:
`
`DEFENSES
`
`owner
`
`of
`
`Lack
`
`of Standing:
`
`Plaintiff,
`
`upon
`
`information
`
`and belief,
`
`was
`
`not
`
`the legal
`
`the
`
`note
`
`and/or
`
`mortgage,
`
`and did
`
`not
`
`otherwise
`
`have
`
`the right
`
`to enforce
`
`the mortgage,
`
`at
`
`the
`
`time
`
`it commenced
`
`this
`
`foreclosure
`
`lawsuit
`
`and therefore
`
`lacks
`
`standing.
`
`¤ Foreclosure
`
`Cause
`
`of Action:
`
`Plaintiff
`
`has not pleaded
`
`that
`
`it owns
`
`the note
`
`and mortgage,
`
`which
`
`is an element
`
`of a foreclosure
`
`cause
`
`of action,
`
`and it
`
`therefore
`
`has failed
`
`to plead
`
`a
`
`foreclosure
`
`cause
`
`of action.
`
`
`
`5 of 146 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 24NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`Statute
`
`of Limitations
`
`(NY
`
`Civil
`
`Practice
`
`Law and Rules
`
`§ 213(4)):
`
`Plaintiff
`
`may
`
`not
`
`sue on
`
`all or part
`
`of
`
`the mortgage
`
`debt
`
`because
`
`Plaintiff,
`
`upon
`
`information
`
`and belief,
`
`commenced
`
`this
`
`action
`
`more
`
`than
`
`six
`
`years
`
`after
`
`the debt
`
`became
`
`due, which
`
`defense
`
`also
`
`supports
`
`the
`
`separately
`
`Property
`
`pleaded
`
`counterclaim
`
`to cancel
`
`and discharge
`
`the mortgage
`
`under NY Real
`
`Actions
`
`and Proceedings
`
`Law
`
`§ 1501(4).
`
`Service
`
`of Process
`
`(NY
`
`Civil
`
`Practice
`
`Law and Rules
`
`§ 308):
`
`I was
`
`not properly
`
`served
`
`with
`
`process
`
`in this
`
`action
`
`for
`
`the following
`
`reason(s):
`
`Prior
`
`Pending
`
`Action
`
`(NY
`
`Real Property
`
`Actions
`
`and Proceedings
`
`Law
`
`§ 1301):
`
`Plaintiff
`
`because
`
`action
`
`to recover
`
`all or
`
`impermissibly
`
`commenced
`
`this
`
`action
`
`there
`
`is a prior
`
`pending
`
`part
`
`of
`
`the mortgage
`
`debt.
`
`E] No Default/Payment
`
`or Partial
`
`Payment:
`
`I have
`
`paid,
`
`in whole
`
`or
`
`in part,
`
`the amounts
`
`claimed
`
`by Plaintiff,
`
`or
`
`the amounts
`
`claimed
`
`by Plaintiff
`
`are not due,
`
`or
`
`the loan
`
`is otherwise
`
`not
`
`in default.
`
`Reverse
`
`Mortgages
`
`Reverse
`
`Mortgage--Notice
`
`Requirements:
`
`Plaintiff
`
`failed
`
`to comply
`
`with
`
`the notice
`
`requirements
`
`under New York
`
`and/or
`
`federal
`
`law or
`
`failed
`
`to comply
`
`with
`
`contractual
`
`requirements
`
`of
`
`the reverse
`
`mortgage,
`
`which
`
`are conditions
`
`precedent
`
`to this
`
`foreclosure
`
`action.
`
`O Reverse
`
`Mortgage-Failure
`
`to Specify
`
`Alleged
`
`Default:
`
`The
`
`complaint
`
`is vague
`
`and does
`
`not
`
`specify
`
`the alleged
`
`default
`
`and/or
`
`the amount(s)
`
`plaintiff
`
`claims
`
`in this
`
`action.
`
`2
`
`
`
`6 of 147 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 24NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`O Reverse
`
`Mortgage-Foreclosure
`
`on a Reverse
`
`Mortgage
`
`for
`
`Property
`
`Charge
`
`Defaults
`
`is Against
`
`Public
`
`Policy:
`
`The
`
`purpose
`
`of
`
`reverse
`
`mortgage
`
`loans
`
`under
`
`the Home
`
`Equity
`
`Conversion
`
`Mortgage
`
`("HECM")
`
`program
`
`is to assist
`
`senior
`
`citizens
`
`to stay
`
`in their
`
`homes,
`
`and reverse
`
`mortgage
`
`lenders
`
`have
`
`other
`
`remedies
`
`in the event
`
`of alleged
`
`failure
`
`to pay
`
`charges.
`
`accordingly.
`
`as a matter
`
`and public
`
`policy,
`
`should
`
`not be
`
`property
`
`Plaintiff,
`
`permitted
`
`to foreclose.
`
`of equity
`
`O Reverse
`
`Mortgage-NY
`
`Real
`
`Property
`
`Law § 280-b:
`
`Plaintiff
`
`and/or
`
`its predecessor-in
`
`interest,
`
`upon
`
`information
`
`and belief,
`
`violated
`
`the requirements
`
`of NY Real Property
`
`Law
`
`§ 280-b,
`
`compliance
`
`with
`
`which
`
`is a condition
`
`precedent
`
`to commencing
`
`an action
`
`to
`
`foreclose
`
`on a reverse
`
`mortgage
`
`loan
`
`covered
`
`by that
`
`statute,
`
`mandating
`
`dismissal
`
`of
`
`this
`
`foreclosure
`
`action,
`
`which
`
`defense
`
`also
`
`supports
`
`the separately
`
`pleaded
`
`counterclaim
`
`for
`
`under NY Real
`
`damages
`
`Property
`
`Law
`
`§ 280-b.
`
`Predicate
`
`Notices/Conditions
`
`Precedent
`
`O Notice
`
`of Default:
`
`Plaintiff
`
`failed
`
`to comply
`
`with
`
`the requirements
`
`for
`
`the notice
`
`of default
`
`in
`
`my mortgage
`
`loan
`
`agreement,
`
`a condition
`
`precedent
`
`to this
`
`foreclosure
`
`action.
`
`O 90-Day
`PlaintifT
`
`Notice
`
`Requirement
`
`(NY
`
`Real
`
`Property
`
`Actions
`
`and Proceedings
`
`Law § 1304):
`
`failed
`
`to comply
`
`with
`
`the requirements
`
`of NY Real
`
`Property
`
`Actions
`
`and
`
`Proceedings
`
`Law
`
`§ 1304,
`
`a condition
`
`precedent
`
`to this
`
`foreclosure
`
`action.
`
`Real
`
`90-Day
`
`Plaintiff
`
`§ 1306,
`
`Notice
`
`Filing
`
`Requirement
`
`(NY
`
`Property
`
`and Proceedings
`
`Law § 1306):
`
`failed
`
`to comply
`
`with
`
`the requirements
`
`of NY Real
`
`Property
`
`and Proceedings
`
`Law
`
`a condition
`
`precedent
`
`to this
`
`foreclosure
`
`action.
`
`Help
`
`for Homeowners
`
`in Foreclosure
`
`Notice
`
`Requirement
`
`(NY
`
`Real Property
`
`Actions
`
`and Proceedings
`
`Law
`
`§ 1303):
`
`Plaintiff
`
`failed
`
`to comply
`
`with
`
`the requirements
`
`of NY Real
`
`Property
`
`and Proceedings
`
`Law
`
`§ 1303,
`
`a condition
`
`precedent
`
`to this
`
`foreclosure
`
`action.
`
`3
`
`
`
`7 of 148 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 24NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`Real
`
`Estate
`
`Settlement
`
`Procedures
`
`Act
`
`Real
`
`Estate
`
`Settlement
`
`Procedures
`
`Act
`
`Early
`
`Intervention
`
`Requirement
`
`(12 C.F.R.
`
`§ 1024.39):
`
`Upon
`
`information
`
`and belief,
`
`Plaintiff
`
`violated
`
`the carly
`
`intervention
`
`requirements
`
`of
`
`the Real
`
`Estate
`
`Settlement
`
`Procedures
`
`Act
`
`because
`
`(check
`
`one or both
`
`if
`
`applicable):
`
`O Within
`
`36 days
`
`of my delinquency,
`
`the loan
`
`servicer
`
`did
`
`not attempt
`
`to establish
`
`live
`
`contact
`
`with me to inform
`
`me about
`
`the availability
`
`of
`
`loss mitigation
`
`options.
`
`Within
`
`45 days
`
`of my delinquency,
`
`the loan
`
`servicer
`
`did
`
`not
`
`send me a written
`
`notice
`
`that
`
`included
`
`contact
`
`information
`
`for
`
`the servicer,
`
`a description
`
`of
`
`loss mitigation
`
`options
`
`available
`
`from the servicer,
`
`information
`
`about
`
`applying
`
`for
`
`loss mitigation,
`
`and a website
`
`listing
`
`housing
`
`counselors.
`
`Review
`
`(12 C.F.R.
`
`O Real
`
`Estate
`
`Settlement
`
`Procedures
`
`Act
`
`Pre-Foreclosure
`
`Requirement
`
`§ 1024.41):
`
`Plaintiff
`
`impermissibly
`
`filed
`
`this
`
`foreclosure
`
`during
`
`the pre-foreclosure
`
`review
`
`period
`
`because
`
`(check
`
`one or both
`
`if applicable):
`
`Plaintiff
`
`commenced
`
`this
`
`action
`
`before my loan was more
`
`than
`
`120 days
`
`delinquent.
`
`O 1submitted
`
`a complete
`
`loss mitigation
`
`application
`
`to my loan
`
`servicer
`
`but Plaintiff
`
`commenced
`
`this
`
`action
`
`(1) before
`
`the
`
`loan
`
`servicer
`
`made
`
`a decision
`
`on that
`
`application,
`
`(2) before
`
`the time
`
`period
`
`to appeal
`
`the loan
`
`servicer's
`
`decision
`
`lapsed,
`
`or
`
`(3) before
`
`the loan
`
`servicer
`
`made
`
`a decision
`
`on an appeal
`
`I submitted
`
`in connection
`
`with
`
`the loss mitigation
`
`application.
`
`FHA-Insured
`
`Loans
`
`FH A Pre-Foreclosure
`
`Requirements:
`
`My loan
`
`is insured
`
`by the Federal
`
`Housing
`
`Administration.
`
`Upon
`
`information
`
`and
`
`belief,
`
`the loan
`
`servicer/mortgagee
`
`has not
`
`complied
`
`4
`
`
`
`8 of 149 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 24NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`with
`
`regulations
`
`of
`
`the Department
`
`of Housing
`
`and Urban
`
`Development
`
`because
`
`the
`
`loan
`
`servicer/mortgagee
`
`did
`
`not do one or more
`
`of
`
`the following
`
`( check
`
`all
`
`that
`
`are
`
`applicable):
`
`Send me a notice
`
`of default
`
`before
`
`the end of
`
`the second
`
`month
`
`of my delinquency
`
`(24 C.F.R.
`
`§ 203.602).
`
`Attempt
`
`to arrange
`
`a face-to-face
`
`interview
`
`with me before
`
`three
`
`full monthly
`
`installments
`
`due under
`
`the mortgage
`
`were
`
`unpaid
`
`(24 C.F.R.
`
`§ 203.604).
`
`Evaluate
`
`me for
`
`loss mitigation
`
`before
`
`four
`
`full monthly
`
`installments
`
`due
`
`under
`
`the
`
`mortgage
`
`were
`
`unpaid
`
`(24 C.F.R.
`
`§ 203.605).
`
`Wait
`
`until
`
`three
`
`full monthly
`
`installments
`
`due under
`
`the mortgage
`
`were
`
`unpaid
`
`before
`
`commencing
`
`this
`
`foreclosure
`
`action
`
`(24 C.F.R.
`
`§ 203.606).
`
`******
`
`Certificate
`
`of Merit
`
`Requirement
`
`(NY
`
`Civil
`
`Practice
`
`Law and Rules
`
`§ 3012-b):
`
`Upon
`
`information
`
`and belief,
`
`Plaintiff
`
`failed
`
`to comply
`
`with
`
`the Certificate
`
`of Merit
`
`requirements
`
`of
`
`NY Civil
`
`Practice
`
`Law
`
`and Rules
`
`§ 3012-b.
`
`Request
`
`for
`
`Judicial
`
`Intervention
`
`(NY
`
`Codes,
`
`Rules
`
`and Regulations
`
`Title
`
`22,
`
`§ 202.12-
`
`a(b)):
`
`Upon
`
`information
`
`and belief,
`
`Plaintiff
`
`did not
`
`file
`
`a Request
`
`for
`
`Judicial
`
`Intervention.
`
`Excessive
`
`Interest
`
`and
`
`Fees
`
`(NY
`
`Civil
`
`Practice
`
`Law
`
`and Rules
`
`§ 3408(f)):
`
`In a prior
`
`foreclosure
`
`action,
`
`Plaintiff
`
`failed
`
`to negotiate
`
`in good
`
`faith
`
`pursuant
`
`to CPLR 3408(f).
`
`This
`
`failure
`
`to negotiate
`
`in good
`
`faith
`
`has caused
`
`excessive
`
`interest
`
`and fees
`
`to accrue
`
`which
`
`Plaintiff,
`
`as a matter
`
`of equity
`
`and by operation
`
`of
`
`the CPLR,
`
`is not entitled
`
`to recover.
`
`Excessive
`
`Interest
`
`(NY
`
`Civil
`
`Practice
`
`Law and Rules
`
`§ 5001(a)):
`
`Plaintiff
`
`has unreasonably
`
`5
`
`
`
`9 of 1410 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 24NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`delayed
`
`filing
`
`this
`
`action,
`
`failed
`
`to ñle
`
`the Request
`
`for
`
`Judicial
`
`Intervention
`
`or engaged
`
`other
`
`dilatory
`
`conduct
`
`causing
`
`excessive
`
`interest
`
`to accrue
`
`which
`
`the Court
`
`toll,
`
`as a matter
`
`of equity
`
`and pursuant
`
`to NY Civil
`
`Practice
`
`Law and Rules
`
`may
`
`reduce
`
`§ 5001(a).
`
`in
`
`or
`
`Action
`
`Commenced
`
`Against
`
`a Deceased
`
`Party:
`
`This
`
`action
`
`is a nullity
`
`because
`
`it was
`
`commenced
`
`against
`
`after
`
`that party
`
`was
`
`already
`
`deceased
`
`and before
`
`a
`
`personal
`
`representative
`
`was
`
`appointed
`
`and it should
`
`therefore
`
`be dismissed.
`
`Failure
`
`to Join
`
`Necessary
`
`Party:
`
`This
`
`action
`
`should
`
`be dismissed
`
`because
`
`of Plaintiff's
`
`failure
`
`to join
`
`a necessary
`
`party.
`
`Coronavirus
`
`Foreclosure
`
`Moratoriums/Forbearance
`
`and
`
`Loss Mitigation
`
`Programs:
`
`Plaintiff
`
`failed
`
`to comply
`
`with
`
`federal
`
`or New
`
`York
`
`State
`
`law requiring
`
`forbearance
`
`and
`
`loss
`
`it
`
`mitigation
`
`programs
`
`for
`
`borrowers
`
`affected
`
`or
`
`commenced
`
`this
`
`action
`
`in violation
`
`of
`
`federal
`
`impacted
`
`by the Coronavirus
`or New York
`
`State
`
`law imposing
`
`pandemic,
`
`or
`
`moratoriums
`
`on the commencement
`
`of
`
`residential
`
`foreclosure
`
`actions,
`
`or otherwise
`
`in violation
`
`of any
`
`applicable
`
`Executive
`
`Order
`
`promulgated
`
`by the Governor
`
`of
`
`the State
`
`of New York
`
`or
`
`Administrative
`
`Orders
`
`promulgated
`
`by the Chief
`
`Administrative
`
`Judge
`
`of
`
`the State
`
`of New
`
`York.
`
`Equitable
`
`Defenses
`
`O Unclean
`
`Hands
`
`and/or
`
`Unconscionability:
`
`This
`
`action
`
`is barred
`
`the doctrine
`
`of unclean
`
`by
`
`hands
`
`and/or
`
`unconscionability
`
`for
`
`the following
`
`reason(s):
`
`O Implied
`
`Covenant
`
`of Good
`
`Faith
`
`and
`
`Fair
`
`Dealing:
`
`Plaintiff
`
`or
`
`its predecessor-in-interest
`
`violated
`
`the covenant
`
`of good
`
`faith
`
`and fair
`
`dealing
`
`implied
`
`in all
`
`contracts
`
`and
`
`is barred
`
`from
`
`recovery
`
`in this
`
`action
`
`for
`
`the following
`
`reason(s):
`
`6
`
`
`
`10 of 1411 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 24NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`O Other
`1.
`I, Jacqueline Cruz (defendant), am unable to fully respond to the Plaintiffs complaint due to missing relevant
`
`Defenses
`
`or Counterclaims
`
`(attach
`
`additional
`
`pages
`
`if needed):
`
`information.
`
`Page 6/24 is completely
`
`blackened
`
`out. Page 5/24 of the complaint
`
`ends with point 13 and Page 7/24 begins with
`
`point 23. This means that 9 points of the Plaintiff's
`
`complaint
`
`has not been identified
`
`to the defendants
`
`hence,
`
`rendering
`
`us unable to respond.
`
`I am requesting
`
`that
`
`the missing page so that
`
`I might be able to properly
`
`answer
`
`the complaint.
`
`I am also requesting more time to review and answer once the page is received.
`
`2. Moreover, according to the Plaintiffs Certificate of Merit, it appears by the Plaintiffs attomey that some documentation
`
`is either missing or was destroyed.
`
`See Line 7.
`
`3. Further,
`
`in Exhibit B, there are several pages identifying
`
`a "Jacqueline
`
`Diaz"
`
`(w/ other spellings
`
`as weil)
`
`that are not properly
`
`identified
`
`or confirmed
`
`as belonging
`
`to me.
`
`4. COVID-19,
`
`In Sept. of 1991, we filed a Petition Hold Over Case against our tenants who had defaulted
`
`in
`
`making their payments
`
`to us resulting
`
`in a hardship
`
`to us leaving us unable to pay the mortgage.
`
`(See case no:
`
`LT-001047-21/BX).
`
`5. On 11/03/2021,
`
`the tenants
`
`filed a hardship
`
`declaration
`
`due to COVID-19
`
`preventing
`
`us from evicting them from
`
`the premises
`
`the funds to make the mortgage
`
`payments.
`
`and finding new tenants
`
`to bring about
`
`6. The tenants did not make payments
`
`to us for three years during and after
`
`the pandemic.
`
`7. On March 22, 2022, a judgement
`
`was made in our favor by Honorable
`
`Judge Lydia C. Lai for the tenants
`
`to
`
`vacate the property.
`
`This took several months with the tenants
`
`finally leaving in Septembere.Q.24-2022
`
`(J.C).
`
`Continued
`
`on additional
`
`page attached.
`
`COUNTERCLAIMS
`
`O Quiet
`
`Title/Cancel
`
`and Discharge
`
`the Mortgage:
`
`The
`
`statute
`
`of
`
`limitations
`
`for
`
`commencement
`
`of
`
`this
`
`foreclosure
`
`action
`
`on the subject
`
`mortgage
`
`has expired
`
`because
`
`Plaintiff,
`
`upon
`
`infonnation
`
`and belief,
`
`commenced
`
`this
`
`action
`
`more
`
`than
`
`six
`
`years
`
`after
`
`it accelerated
`
`the
`
`mortgage
`
`debt.
`
`Plaintiff
`
`is not
`
`in possession
`
`of
`
`the mortgaged
`
`property
`
`and
`
`I am the owner
`
`of
`
`the
`
`7
`
`
`
`11 of 1412 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 24NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`OTHER DEFENSES AND COUNTERCLAIMS
`
`CON'T
`
`(Index
`
`No. 800109/2023E
`
`US Bank vs. Cruz,
`
`et al.)
`
`8. When
`the tenants
`finally
`to secure
`funds, make
`
`2023)
`
`severe
`left,
`the repairs,
`
`damage
`
`and rent
`
`was found
`which
`to the property
`to the new tenants.
`the property
`
`took months
`
`(Jan
`
`9. During
`resuscitated,
`
`the COVID-19
`
`pandemic,
`
`thankfully;
`
`however,
`
`my husband
`(Anthony
`ever
`has been
`disabled
`
`Cruz)
`since.
`
`died from a heart
`
`attack.
`
`He was
`
`10. Since my husband's
`
`disability
`
`in 2021,
`
`he has been
`
`unable
`
`to work
`
`leaving
`
`us with
`
`one income.
`
`11. We have
`applied
`COVID-19
`pandemic
`
`assistance
`for a homeowner
`as well. We are expecting
`
`program
`an answer
`
`as we have
`any day now.
`
`been
`
`financially
`
`impacted
`
`by the
`
`12. We are requesting
`
`time
`
`to have
`
`the opportunity
`
`to be able to keep
`
`our home.
`
`See
`
`(Lst
`
`CKh&if
`
`
`
`12 of 1413 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 24NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`property
`
`and therefore
`
`am entitled
`
`to a judgment
`
`cancelling
`
`and discharging
`
`the mortgage
`
`and
`
`adjudging
`
`the property
`
`free
`
`of any
`
`encumbrance
`
`by such mortgage
`
`pursuant
`
`to NY Real
`
`Property
`
`Actions
`
`and Proceedings
`
`Law
`
`§ 1501(4).
`
`Oviolations
`
`of NY Real
`
`Property
`
`Law
`
`§ 280-b:
`
`I have
`
`been
`
`injured
`
`by reason
`
`of Plaintiff's
`
`and/or
`
`its predecessor-in-interest's
`
`violations
`
`of NY Real
`
`Property
`
`Law
`
`§ 280-b
`
`or
`
`the rules
`
`and
`
`regulations
`
`of
`
`the federal
`
`Department
`
`of Housing
`
`and Urban
`
`Development
`
`relating
`
`to the home
`
`equity
`
`conversion
`
`mortgage
`
`program
`
`and
`
`I am therefore
`
`entitled
`
`to recover
`
`treble
`
`and actual
`
`damages,
`
`in addition
`
`to reasonable
`
`attomeys'
`
`fees
`
`if
`
`I retain
`
`an attomey,
`
`in an amount
`
`to be
`
`proven
`
`at
`
`trial.
`
`O Attorney's
`
`Fees
`
`(NY
`
`Real Property
`
`Law
`
`§ 282):
`
`If
`
`I retain
`
`counsel,
`
`I am entitled
`
`to recover
`
`pursuant
`
`to New York
`
`Real
`
`my attorney's
`
`fees
`
`in defending
`
`this
`
`action
`
`Property
`
`Law § 282.
`
`Wherefore,
`
`Defendant
`
`requests
`
`that
`
`the Complaint
`
`be dismissed;
`
`that
`
`judgment
`
`in favor
`
`of Defendant
`
`granted
`
`costs
`
`be granted
`attorneys'
`
`and
`
`on Defendant's
`
`counterclaims
`
`in their
`
`entirety;
`
`that Defendant
`
`be
`
`fees
`
`if he or she retains
`
`counsel;
`
`and that Defendant
`
`be granted
`
`any
`
`other
`
`relief
`
`allowed
`
`by
`
`law or equity
`
`as this Court
`
`shall
`
`deem just
`
`and proper.
`
`Dated:
`
`05-12-23
`
`, New York
`
`May,
`
`20
`
`23
`
`Jacqueline
`
`Cruz
`
`a/k/a
`
`Diaz
`
`Defendant
`
`Pro Se
`
`(Defendant's
`
`Signature)
`
`Jacqueline
`
`Cruz
`
`a/k/a
`
`Diaz
`
`(Defendant's
`
`(Defendant's
`
`(Defendant's
`
`Name)
`
`Address)
`
`Address)
`
`Jacqueline
`
`Cruz
`
`a/k/a
`
`Diaz
`
`1839
`
`Odham
`
`Drive
`
`1839
`
`Odham
`
`Drive
`
`(Defendant's
`
`Telephone
`
`Number)
`
`917-697-6437
`
`¡
`
`Prepared
`
`with
`
`the assistance
`
`of counsel
`
`admitted
`
`in New
`
`York.
`
`8
`
`
`
`13 of 1414 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 24NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`VERIFICATION
`
`1,
`Answer
`and belief,
`
`Ct C
`is true
`t
`whic
`
`u.o
`(
`st of my
`the
`knowledge,
`to be true
`I believe
`
`state
`sworn,
`, being
`duly
`alleged
`as to those matters
`
`that
`upon
`
`the within
`information
`
`except
`
`(Defenda
`
`t s Si
`
`nature)
`
`Sworn
`/2
`
`to and subscribed
`of
`of
`
`day
`
`before
`
`me this
`, 20
`
`No
`
`y Public
`
`JOENJUDE
`ofGEd'
`c
`ss(cid:144)!n
`MyComm.ExpiresJul22,2024
`BondedthroughatonaiNotaryAssn.
`-
`-
`-
`-
`-
`-
`-
`-
`-
`-
`.
`
`-
`
`-
`
`-
`
`9
`
`
`
`14 of 1415 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 25NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`µx‰/
`
`s
`
`þ
`
`16 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 25NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`.
`
`.
`
`of New York
`
`Civil
`
`County
`1I18
`
`Bronx,
`
`the City
`
`of
`Court
`of Bronx
`Grand
`Concourse
`NY 10456
`
`Jacqueline
`
`Cruz
`-against-
`Pichardo...
`
`Jose
`
`Jacqueline
`Jacqueline
`1839 Odham
`FL
`
`Deltona,
`
`Cruz AKA
`Diaz
`Drive
`32738
`
`AKA
`
`Jacqueline
`
`Diaz
`
`September
`
`2, 2022
`
`et
`
`al.
`
`LT-001047-21/BX
`
`Notice
`September
`
`is hereby
`16,
`
`given
`
`2022,
`
`that
`12:00
`
`your
`PM.
`
`case
`
`is
`
`scheduled
`
`for
`
`a conference
`
`with
`
`the
`
`court
`
`on
`
`You must
`
`attend
`
`this
`
`appearance
`
`virtually.
`
`Microsoft
`by:
`attend
`Virtually
`https://notify.nycourts.gov/meet/Ov1mec
`Link:
`Conference
`Call
`378-4143
`#:
`(347)
`Toll-free
`262-7886
`696
`Conference
`129
`go
`to
`For
`
`#:
`
`(833)
`ID:
`
`instructions,
`
`Teams
`
`meeting
`
`125#
`https://nycourts.gov/appear
`
`into
`
`Parties
`or
`
`by
`
`must
`
`appear
`
`calling
`
`using
`
`before
`phone
`
`the
`
`the
`
`court
`conference
`
`by
`
`the
`typing
`information
`
`above
`above.
`
`virtual
`
`link
`
`your
`
`browser
`
`If you
`
`cannot
`
`courthouse
`scheduled.
`and
`you
`
`at
`
`do
`
`appear
`
`virtually
`Grand
`1118
`come
`If you
`arrive
`not
`
`Concourse,
`to
`the
`courthouse
`more
`than
`15 minutes
`
`Bronx,
`
`or
`
`by
`
`phone
`
`you
`
`can
`
`appear
`
`in
`
`person
`
`in
`
`at
`
`NY,
`person,
`before
`
`the
`
`date
`please
`your
`case
`
`and
`do
`
`is
`
`time
`not
`bring
`scheduled.
`
`in Part D, at
`your
`case
`anyone
`
`the
`
`is
`
`with
`
`Please
`
`call
`
`718-466-3000
`
`with
`
`any
`
`questions.
`
`Thank
`
`you.
`
`17 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 25NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`or
`
`records
`
`court
`
`original
`
`
`
`byconsulting
`
`information
`of
`
`
`
`theaccuracy
`
`verify
`
`2
`
`1of
`data.
`
`Page
`this
`of
`should
`
`use
`Users
`
`PM.
`
`for
`isresponsible
`
`not
`consequential
`as
`of03/14/2023
`05:10
`
`
`
`recorded
`
`No
`
`Issuance:
`-All
`
`10/24/2022.
`Date:
`and/or
`
`Warrant
`
`Lai,
`C.
`Issued/Signed
`Judgment
`
`Lydia
`Judge:
`Lai,
`C.
`Decision/Award:
`
`1,
`Ordering
`Lydia
`
`Seq
`
`-
`
`Settled
`
`(03/23/2022,
`Decided
`
`Status:
`
`Dismiss,
`
`R.elief:
`
`Pichardo,
`Jose
`
`(R)
`
`By:
`
`
`
`JosePichardo
`
`(R)
`
`By:
`
`Filed
`Cruz
`
`Filed
`Pichardo
`Jose
`By:
`(R)
`Filed
`Residential,
`-EEFPA
`Filed
`Filed
`
`By:Jacquelinc
`
`(P)
`
`Landlord,
`
`A,
`Seq
`Judgment
`Courtroom,
`of:
`Judge/Arbitrator:
`C.
`Lai)
`03/23/2022,
`1,
`Datc(s):
`Court
`E-Filing,
`to
`
`Issuance),
`1,
`Result
`Lydia
`Seq
`
`Consent
`Hardship
`Declaration
`
`Represented
`
`Bronx,
`
`Floor,
`
`St,
`
`Apt
`
`East
`
`NY
`10456
`
`NY
`10456
`
`2nd
`
`160th
`
`Bronx,
`
`Floor,
`
`St,
`
`2nd
`
`Apt
`
`160th
`
`East
`
`-763
`
`-763
`
`
`
`(917)379-2038
`
`10451-2602,
`NY
`
`Bronx,
`C,
`
`Ste
`
`Concourse
`Grand
`
`-1000
`
`Rooms
`All
`
`Description:
`
`Property
`
`Additional
`
`10456-,
`NY
`
`Bronx,
`
`Floor,
`
`St.
`
`2nd
`
`Apt
`
`160th
`
`
`
`FL32738
`
`Deltona,
`
`Drive,
`
`Odham
`
`Earliest
`
`
`
`NoStay/Issuance
`
`Stipulation/Order,
`per
`Stayed
`Warrant,
`with
`
`Date
`09/01/2022
`Execution
`Possession,
`with
`
`"Doe"
`"Jane"
`"Doe";
`"John"
`Pichardo;
`Jose
`Respondent(s):
`
`vs.
`
`Jacqueline
`Petitioner(s):
`
`
`
`CASESUMMARY
`
`E-Filed
`
`Zipcode;
`
`Disposition
`-Specialty
`
`Tenant
`and
`
`Court
`
`Civil
`
`County
`
`Diaz
`
`Jacqueline
`AKA
`
`Cruz
`
`18 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 25NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`or
`
`records
`court
`
`original
`
`
`
`byconsulting
`
`information
`of
`
`accuracy
`the
`
`verify
`
`2
`
`2of
`data.
`
`Page
`this
`of
`should
`
`use
`Users
`
`PM.
`
`for
`isresponsible
`
`not
`consequential
`as
`03/14/2023
`of
`05:10
`
`recorded
`
`Order
`
`per
`
`to
`Extent
`
`Granted
`
`Stip,
`Outcome(s):
`
`
`
`Forthwith,
`
`
`
`NoStay/Issuance
`
`Warrant,
`with
`
`on
`Conference)
`
`(based
`
`-Failure
`toComply
`with
`-Motion
`Settled
`Disposed
`on
`Consent)
`(based
`Possession,
`with
`03/23/2022
`01/26/2022
`Refer
`to
`Judge
`
`-Vacate
`Motion
`Judgment
`(2)
`-Dismiss,
`Outcome(s):
`Motion
`(1)
`Date
`Execution
`Earliest
`09/01/2022
`Purposes,
`For
`Outcome(s):
`Judgment
`All
`Purposes,
`Outcome(s):
`For
`Adjourned:
`All
`Purposes,
`Adjourned:
`Outcome(s):
`For
`All
`Purposes,
`Purpose:
`Outcome(s):
`All
`
`For
`
`C.
`Lai,
`Lydia
`Purpose:
`C.
`Lai,
`Lydia
`Purpose:
`Stipulation/Order,
`per
`C.
`Lai,
`Purpose:
`E.
`Lutwak,
`Purpose:
`
`E.Lutwak,
`Purpose:
`
`M.Breier,
`
`Lydia
`Diane
`Diane
`Judge:
`
`Miriam
`
`York,
`Enforcement
`
`New
`of
`
`City
`
`the
`of
`
`Marshal
`
`Agency:
`
`Enforcement
`
`03/14/2023,
`Date:
`
`Reviewed
`
`Rejected,
`
`J.
`Warrant,
`for
`
`Thomas
`
`Warrant,
`for
`Reviewed
`(09/16/2022,
`Decided
`Cause),
`Show
`to
`Creditor(s):
`(Stipulation
`Possession
`Officer:
`Enforcement
`Forthwith,
`Execution:
`vs.
`
`(R)
`
`Cruz
`
`03/14/2022,
`Date:
`to
`Extent
`Granted
`09/16/2022,
`2,
`Seq
`Date(s):
`Court
`Cruz,
`Debtor(s):
`Jacqueline
`(P)
`Parties),
`1,
`Seq
`of
`Filed
`Bia,
`J.
`Thomas
`-Stip/Order,
`Stayed
`Jose
`Pichardo
`
`Bia,
`
`Officer:
`
`
`
`toComply
`
`Status:
`
`York,
`Enforcement
`
`New
`of
`
`City
`
`the
`of
`
`-Failure
`
`Vacate
`Judgment
`
`JosePichardo
`(R)
`03/24/2022,
`Date:
`Entered
`
`Relief:
`"Doe";
`$.00,
`
`Agency:
`C.
`Lydia
`
`Marshal
`Lai)
`Pichardo,
`Jose
`By:
`(R)
`"Doe";
`
`(R)
`"John"
`Judgment:
`Total
`
`Filed
`(R)
`"Jane"
`03/24/2022,
`Date:
`
`Enforcement
`Order,
`per
`
`Earliest
`
`of
`
`City
`
`the
`of
`
`Marshal
`
`Agency:
`
`Enforcement
`
`10/19/2022,
`Date:
`
`Execution
`
`19 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 25NYSCEF DOC. NO. 26
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`ClV1L
`
`County
`Date
`
`COURT
`OF THE CITY
`ra d Ä
`oT
`
`OF NE W Y ORK
`
`Part
`
`Index
`Page
`Hon.
`
`No. L&T:
`of
`
`__
`
`-C
`
`{
`
`{
`
`M r
`
`GA 2-
`
`A
`
`agHnm
`.
`
`J
`
`entioner(n.
`
`Re.tforaenon
`
`STIPULATION
`OF SETTLDIENT
`The parties understand that each party has the
`to a trial,
`right
`the right
`to see a Judge at any rime
`and the right nen to enter into a stipulanon t>f
`. ettlement
`However, ofter
`review of all
`tise i.una,
`On·pardes agree that
`they do not want
`to go to trial
`und instead ugree to the following
`shpulatian m
`setdement of the issues in this matter.
`
`Varty
`
`(please
`
`pnnt)
`
`Added!Amended
`ar Deleted
`
`Appearance
`
`No Appearance
`
`50 Answer
`
`7
`
`/
`
`|
`
`20 of 36
`
`

`

`
`FILED: BRONX COUNTY CLERK 05/12/2023 09:23 PMFILED: BRONX COUNTY CLERK 05/22/2023 04:15 PM
`
`NYSCEF DOC. NO. 25NYSCEF DOC. NO. 26
`2
`a
`
`
`
`INDEX NO. 800109/2023EINDEX NO. 800109/2023E
`
`
`
`RECEIVED NYSCEF: 05/12/2023RECEIVED NYSCEF: 05/22/2023
`
`o
`
`29
`
`8
`
`York
`
`New
`
`of
`
`City
`
`the
`
`of
`
`Q
`[-
`Court
`of
`
`L&T
`
`No.
`
`County
`Civil
`Index
`
`O
`
`o
`
`$2
`
`n
`
`.
`
`o
`
`R
`
`a
`
`0
`
`5
`
`.
`
`6
`
`o
`
`)
`Landlord
`
`Tenant)
`
`(Undertenant
`
`..........................................................................J.C.C.
`
`.............--..................................................--.....................................................
`...................................................................
`.........................................-.............
`on---...........---......................................
`............------..