FILED: KINGS COUNTY CLERK 04/15/2024 04:02 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 534629/2023
`
`RECEIVED NYSCEF: 04/15/2024
`
`SUPREME
`COUNTY
`
`COURT
`OF KINGS
`
`OF THE
`
`STATE
`
`OF NEW YORK
`
`PM 3: 27
`
`5
`
`CROSSCOUNTRY
`
`MORTGAGE,
`
`LLC
`
`v.
`
`Plaintiff,
`
`Index
`
`No.
`
`534629/2023
`
`PRO SE ANSWER
`VERIFIED
`TO FORECLOSURE
`COMPLAINT
`BAND COUNTERCLAIMS
`[Defendant:
`check
`this
`box
`checked
`item in the
`any
`"counterclaim"
`section
`
`below]
`
`if you
`
`ACOSTA,
`
`STEVEN,
`
`et al
`
`Defendant(s).
`
`Defendant
`
`Steven Acosta
`
`proceeding
`
`as follows:
`
`, Pro Se,
`
`answers
`
`the
`
`complaint
`
`in this
`
`I generally
`
`deny
`
`each
`
`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
`
`the
`
`Lack
`
`of Standing:
`
`Plaintiff,
`
`upon
`
`information
`
`and belief,
`
`was
`
`not
`
`the legal
`
`owner
`
`of
`
`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.
`
`B 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.
`
`1 of 13
`
`

`

`FILED: KINGS COUNTY CLERK 04/15/2024 04:02 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 534629/2023
`
`RECEIVED NYSCEF: 04/15/2024
`
`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
`
`there
`
`is a prior
`
`action
`
`to recover
`
`all or
`
`impermissibly
`
`commenced
`
`this
`
`action
`
`pending
`
`part
`
`of
`
`the mortgage
`
`debt.
`
`[3
`
`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
`
`2 of 13
`
`

`

`FILED: KINGS COUNTY CLERK 04/15/2024 04:02 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 534629/2023
`
`RECEIVED NYSCEF: 04/15/2024
`
`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
`
`property
`
`charges.
`
`Plaintiff,
`
`accordingly,
`
`as a matter
`
`and public
`
`policy,
`
`should
`
`not be
`
`permitted
`
`to foreclose.
`
`of equity
`
`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
`
`which
`
`action,
`under NY Real
`
`defense
`
`also
`
`supports
`
`the separately
`
`pleaded
`
`counterclaim
`
`for
`
`Law
`
`damages
`
`Property
`
`§ 280-b.
`
`Predicate
`
`Notices/Conditions
`
`Precedent
`
`B 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.
`
`90-Day
`
`Notice
`
`Requirement
`
`(NY
`
`Real
`
`Property
`
`Actions
`
`and Proceedings
`
`Law
`
`§ 1304):
`
`Plaintiff
`
`failed
`
`to comply
`
`with
`
`the requirements
`
`of NY Real
`
`Property
`
`Actions
`
`and
`
`Proceedings
`
`Law
`
`a condition
`
`precedent
`
`to this
`
`foreclosure
`
`action.
`
`§ 1304,
`
`90-Day
`
`Plaintiff
`
`§ 1306,
`
`Notice
`
`Filing
`
`Requirement
`
`(NY
`
`Real
`
`failed
`
`to comply
`
`with
`
`the requirements
`
`and Proceedings
`Property
`of NY Real Property
`
`Law
`
`§ 1306):
`
`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
`
`3 of 13
`
`

`

`FILED: KINGS COUNTY CLERK 04/15/2024 04:02 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 534629/2023
`
`RECEIVED NYSCEF: 04/15/2024
`
`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 early
`
`intervention
`
`requirements
`
`of
`
`the Real
`
`Estate
`
`Settlement
`
`Procedures
`
`Act
`
`because
`
`(check
`
`one or both
`
`if
`
`applicable):
`
`El 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.
`
`B 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.
`
`Real
`
`Settlement
`
`(12 C.F.R.
`
`Estate
`
`Procedures
`
`Act
`
`Pre-Foreclosure
`
`Review
`
`Requirement
`
`§ 1024.41):
`
`Plaintiff
`
`impermissibly
`
`filed
`
`this
`
`foreclosure
`
`during
`
`the pre-foreclosure
`
`review
`
`period
`
`because
`
`(check
`
`one or both
`
`if applicable):
`
`B Plaintiff
`
`O I submitted
`
`commenced
`
`this
`
`action
`
`before my loan was more
`
`than
`
`120 days
`
`delinquent.
`
`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
`
`FHA
`
`Pre-Foreclosure
`
`Requirements:
`
`My
`
`loan
`
`is insured
`
`by the Federal
`
`Housing
`
`Administration.
`
`Upon
`
`information
`
`and belief,
`
`the
`
`loan
`
`servicer/mortgagee
`
`has not
`
`complied
`
`4
`
`4 of 13
`
`

`

`FILED: KINGS COUNTY CLERK 04/15/2024 04:02 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 534629/2023
`
`RECEIVED NYSCEF: 04/15/2024
`
`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).
`
`O 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
`
`of
`
`information
`
`NY Civil
`
`and belief,
`
`Plaintiff
`
`failed
`
`to comply
`
`with
`
`the Certificate
`
`of Merit
`
`requirements
`
`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
`
`5 of 13
`
`

`

`FILED: KINGS COUNTY CLERK 04/15/2024 04:02 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 534629/2023
`
`RECEIVED NYSCEF: 04/15/2024
`
`delayed
`
`filing
`
`this
`
`action,
`
`failed
`
`to file
`
`the Request
`
`for
`
`Judicial
`
`Intervention
`
`or engaged
`
`other
`
`dilatory
`
`conduct
`
`causing
`
`excessive
`
`interest
`
`to accrue
`
`which
`
`the Court
`
`may
`
`reduce
`
`toll,
`
`as a matter
`
`of equity
`
`and pursuant
`
`to NY Civil
`
`Practice
`
`Law and Rules
`
`§ 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
`
`mitigation
`
`programs
`
`for borrowers
`
`affected
`
`or
`
`impacted
`
`by the Coronavirus
`
`pandemic,
`
`or
`
`it
`
`commenced
`
`this
`
`action
`
`in violation
`
`of
`
`federal
`
`or New York
`
`State
`
`law imposing
`
`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
`
`by the doctrine
`
`of unclean
`
`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
`
`6 of 13
`
`

`

`FILED: KINGS COUNTY CLERK 04/15/2024 04:02 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 534629/2023
`
`RECEIVED NYSCEF: 04/15/2024
`
`Other
`
`8
`See Exhibit 1 attached.
`
`Defenses
`
`or Counterclaims
`
`(attach
`
`additional
`
`pages
`
`if needed):
`
`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
`
`information
`
`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
`
`7 of 13
`
`

`

`FILED: KINGS COUNTY CLERK 04/15/2024 04:02 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 534629/2023
`
`RECEIVED NYSCEF: 04/15/2024
`
`.
`
`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).
`
`Violations
`
`of NY Real
`
`Property
`
`and/or
`
`its predecessor-in-interest's
`
`Law § 280-b:
`of NY Real
`
`I have
`
`violations
`
`been
`
`injured
`
`by reason
`
`of Plaintiff's
`
`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
`
`attorneys'
`
`fees
`
`if
`
`I retain
`
`an attorney,
`
`in an amount
`
`to be
`
`proven
`
`at
`
`trial.
`
`Fees
`
`(NY
`
`Real
`
`Law
`
`If
`
`I retain
`
`I am entitled
`
`to recover
`
`B Attorney's
`
`Property
`
`§ 282):
`
`counsel,
`
`my attorney's
`
`fees
`
`in defending
`
`this
`
`action
`
`pursuant
`
`to New York
`
`Real
`
`Property
`
`Law
`
`§ 282.
`
`Wherefore,
`
`Defendant
`
`requests
`
`that
`
`the Complaint
`
`be dismissed;
`
`that
`
`judgment
`
`in favor
`
`of Defendant
`
`be granted
`
`on Defendant's
`
`counterclaims
`
`in their
`
`entirety;
`
`that Defendant
`
`be
`
`granted
`
`costs
`
`and
`
`attorneys'
`
`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:
`
`Brooklyn
`
`April 5th
`
`, New York
`
`, 2024
`
`Steven Acosta
`
`(Defendant's
`
`Signature)
`
`(Defendant's
`
`Name)
`
`Steven Acosta
`
`(Defendant's
`
`(Defendant's
`
`Address)
`
`Address)
`
`1495 Jefferson Avenue
`
`Brooklyn, NY 11237
`
`(Defendant's
`
`Telephone
`
`Number)
`
`646-256-9234
`
`, Defendant
`
`Pro Se
`
`¡
`
`Prepared
`
`with
`
`the assistance
`
`of counsel
`
`admitted
`
`in New
`
`York.
`
`8
`
`8 of 13
`
`

`

`FILED: KINGS COUNTY CLERK 04/15/2024 04:02 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 534629/2023
`
`RECEIVED NYSCEF: 04/15/2024
`
`VERIFICATION
`
`I, Steven Acosta
`Answer
`is true
`which
`and belief,
`
`to the best
`I believe
`
`of my knowledge,
`to be true
`
`state
`sworn,
`, being
`duly
`as to those matters
`alleged
`
`that
`upon
`
`the within
`information
`
`except
`
`(Defen
`
`ant's
`
`Signature)
`
`Sworn
`5th
`
`to and subscribed
`day of April
`
`before
`
`me this
`, 20 24
`
`NÏtary
`
`Public
`
`CHARLESHARRIS
`Notary Public, State of New York
`Registration No. 02HA6378752
`Qualified in New York County
`Commission Expires Sep. 6, 2026
`
`9
`
`9 of 13
`
`

`

`FILED: KINGS COUNTY CLERK 04/15/2024 04:02 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 534629/2023
`
`RECEIVED NYSCEF: 04/15/2024
`
`.
`
`EXHIBIT
`
`1
`
`1)
`
`2)
`
`mortgage
`
`I have
`lived
`in my home,
`with my family
`my entire
`whatever
`is necessary
`doing
`Plaintiff
`and
`s ownership
`and
`note
`
`which
`
`is the
`
`life.
`
`and
`
`by
`Electronic
`
`underlying
`Registration
`
`subject
`of
`I care
`for my home
`from
`to save my home
`are called
`standing
`the
`
`this
`
`foreclosure
`
`and
`
`deeply,
`foreclosure.
`
`action
`I am fully
`
`(the
`
`"Premises"),
`committed
`
`to
`
`into
`
`question
`
`by
`
`the
`
`chain
`
`of
`
`title
`
`to the
`
`assignment
`
`Systems,
`their
`
`and
`
`of
`
`history
`Inc.
`(MERS).
`
`which
`the mortgage
`New York
`assignments
`
`Under
`
`law
`
`origination
`
`and
`
`any
`
`later
`
`Mortgage
`
`includes
`MERS
`are invalid.
`
`cannot
`
`own
`
`a note
`
`and mortgage
`
`3)
`
`Plaintiff
`
`of
`
`the
`
`s Complaint
`
`which
`
`note,
`in possession
`
`is conspicuously
`calls
`question
`into
`
`silent
`
`Plaintiff
`
`to when
`
`it came
`
`into
`
`possession
`
`and whether
`
`or not Plaintiff
`
`was
`
`of
`
`the
`
`time
`
`of
`
`of
`
`this
`
`action.
`
`Plaintiff,
`"furnished
`Law §349
`in acts
`
`their
`
`a
`
`predecessors
`service"
`
`in interest
`
`and
`
`their
`
`as those
`
`terms
`
`are defined
`
`(the
`
`"Deceptive
`
`and
`
`policy
`
`practices
`
`and
`
`Practices
`and
`Act")
`that were misleading
`recognized
`generally
`
`agents
`in New
`violated
`
`the
`
`in a
`
`standards
`
`of
`
`the
`
`note
`
`at
`
`with
`respect
`s standing
`the
`commencement
`
`actually
`Plaintiff
`
`has
`
`failed
`
`to demonstrate
`
`the
`
`owner
`
`and
`
`holder
`
`of
`
`the
`
`note
`
`its Complaint
`through
`and mortgage,
`
`and
`
`and
`
`supporting
`this
`
`papers
`
`that
`
`it
`
`is
`
`action
`
`should
`
`be
`
`accordingly,
`
`4)
`
`5)
`
`dismissed.
`
`Upon
`
`information
`
`"conducted
`
`a
`
`and
`business"
`
`belief,
`and/or
`
`York
`
`State General
`
`Business
`
`Deceptive
`
`Practices
`
`material
`
`business.
`
`way,
`
`unfair
`
`Act
`
`and
`
`by
`
`engaging
`
`contrary
`
`to public
`
`10 of 13
`
`

`

`FILED: KINGS COUNTY CLERK 04/15/2024 04:02 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 534629/2023
`
`RECEIVED NYSCEF: 04/15/2024
`
`Escamilla
`
`I, Kelly
`No Consent
`
`AFFIDAVIT
`
`OFSERVICE
`
`, served
`
`the within
`
`Verified
`
`Answer,
`
`Hard
`
`Copy
`
`Notice,
`
`§
`
`to E-File
`
`Notice
`
`on Plaintiff's
`
`attorney
`
`as follows
`
`(attorney's
`
`name
`
`and
`
`address):
`
`GROSS
`
`POLOWY
`
`LLC
`
`1775 WEHRLE
`
`DR STE
`
`100
`
`WILLIAMSVILLE,
`
`NY 14221-7093
`
`the Verified
`I served
`method
`the following
`
`by
`
`Answer,
`
`Hard
`
`Copy
`
`Notice,
`
`No Consent
`
`to E-File
`
`Notice
`
`(check
`
`all
`
`that
`
`apply):
`
`O first
`class mail
`O certified
`O certified
`O overnight
`O facsimile
`O personal
`
`mail
`
`mail,
`
`return
`
`receipt
`
`requested
`
`delivery
`
`service
`
`delivery.
`
`on the
`
`5th
`
`of April
`
`day
`
`, 20 24
`
`I am eighteen
`
`years
`
`or older
`
`and
`
`I am not
`
`a Defendant
`
`in this
`
`lawsuit.
`
`Signature:
`
`Print
`
`Name:
`
`Kelly
`
`Escamilla
`
`Sworn
`5th
`
`to and subscribed
`of April
`
`day
`
`before
`
`me this
`, 20 24
`
`Notary
`
`Public
`
`Notary Pu c S a e of ew York
`Registration No. 02HA6378752
`Qualified in New York County
`Commission Expires Sep. 6, 2026
`
`11 of 13
`
`

`

`FILED: KINGS COUNTY CLERK 04/15/2024 04:02 PM
`NYSCEF DOC. NO. 46
`COPY
`OF HARD
`NOTICE
`SUBMISSION
`(This Form Must
`be Annexed
`to Hard Copy Submissions
`,
`
`-
`
`- E-FILED
`in E-Filed
`Cases)
`
`INDEX NO. 534629/2023
`
`RECEIVED NYSCEF: 04/15/2024
`CASE
`
`SUPREME
`COUNTY
`
`COURT OF THE STATE
`OF KINGS
`
`OF NEW YORK
`
`CROSSCOUNTRY
`
`MORTGAGE,
`
`LLC
`
`- against
`
`-
`
`ACOSTA,
`
`STEVEN,
`
`et al
`
`Plaintiff/Petitioner,
`
`Defendant/Respondent.
`
`Index
`
`No.
`
`534629/2023
`
`original
`Parties submitting
`the relevant box and signing below.
`
`hard copy documents
`
`in e-filed cases mustindicate
`
`the reason for hard copy submission
`
`by checking
`
`Non-Participating
`
`Parties
`
`The attached
`
`is a court
`
`original
`
`unless and until
`
`uploaded
`
`to NYSCE F.
`
`[×-
`
`I am authorized
`In a consensual
`to and have served on all other parties a declination
`case,
`if self-represented,
`client, a party to the case, or,
`myself.
`
`of consent
`
`to e-filing
`
`on behalf of my
`
`I am exempt
`] In a mandatory
`from the requirement
`to e-file because I have filed with the court
`case,
`[
`by the Rules or the court has granted my application
`upon good cause shown.
`
`the exemption
`
`form required
`
`Submissions
`
`Requiring
`
`Subsequent
`
`E-Filing
`
`(parties
`
`responsible
`
`for upload
`
`to NYSCEF)
`
`Participating
`
`Parties
`
`by court protocol/procedure,
`] As allowed
`[
`together with the required
`showing pursuant
`to the applicant
`from the giving
`prejudice
`within
`3 business days after service.
`
`order
`I am submitting
`papers seeking a TRO,
`to show cause and supporting
`a proposed
`and/or Commercial
`to Uniform Rule 202.7(f)
`Division Rule 20 demonstrating
`significant
`of notice.
`If
`these documents
`are served in hard copy only,
`I shall e-file these documents
`
`I am authorized
`]
`[
`affirmation/affidavit
`
`W
`
`Z
`
`E
`
`and am submitting
`exception
`to an emergency
`in hard copy pursuant
`to file this document
`I shall, as required
`required
`by the E-Filing Rules.
`by the Rules, e-file these documents within
`
`the explanatory
`3 business days.
`
`-
`
`I am authorized
`[
`I shall, as required
`
`in hard copy because of a technical
`failure on the e-filing
`to file this document
`3 business days after
`by the Rules, e-file these documents within
`restoration
`
`site as defined in the E-Filing Rules.
`at the site.
`of normal operations
`
`] I am submitting
`[
`in hard copy only,
`
`pursuant
`application
`an ex p_a
`I shall, as required
`by the E-Filing
`
`to statute _______________________________.
`these documents
`If
`3 business days after service.
`Rules, e-file these documents within
`
`are served
`
`Special Applications/Documents
`
`(parties may be responsible
`
`for upload
`
`to NYSCE F)
`
`for an order o sealing / o limiting
`I am applying
`[
`by court protocol/procedure.
`permitted
`
`access to document(s)
`
`and I am submitting
`
`the application
`
`in hard copy form, as
`
`[
`
`[
`
`D
`
`] I am submitting
`
`documents
`
`for
`
`in camera review.
`
`I am filing
`
`an exhibit
`
`that cannot be e-filed
`
`(Rule 202.5-b(d)(6)).
`
`: 04/05/2024
`
`1
`
`5 Jgferson
`
`Avenue______
`
`(Address)
`
`I-
`
`Steven
`
`Acosta
`
`(signature)
`
`(Name)
`
`(Firm Name)
`
`Brooklyn,
`
`NY 11237
`
`646-256-9234
`
`(Phone)
`
`____________________________
`
`(E-Mail)
`
`NOTICE
`
`OF
`
`HARD
`
`COPY
`
`SUBMISSION
`12 of 13
`
`-
`
`-
`
`E-FILED
`
`6/20/13
`
`CASE
`
`

`

`FILED: KINGS COUNTY CLERK 04/15/2024 04:02 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 534629/2023
`
`RECEIVED NYSCEF: 04/15/2024
`
`OF THE STATE
`
`OF NEW YORK
`
`COURT
`SUPREME
`OF
`COUNTY
`KINGS
`_________________________________________________________________Ç
`CROSSCOUNTRY
`
`MORTGAGE,
`
`LLC
`
`-against-
`
`Plaintiff,
`
`ACOSTA,
`
`STEVEN,
`
`et al
`
`Index
`
`No.
`
`534629/2023
`
`OF NO CONSENT
`NOTICE
`SERVICE
`TO ELECTRONIC
`AND/OR
`FILING
`
`__________________________________________________________________Ç
`
`Defendant(s).
`
`PLEASE
`
`TAKE
`
`NOTICE,
`
`that
`
`defendant,
`
`Steven
`
`Acosta
`
`,
`
`proceeding
`
`in this
`
`action
`
`pro
`
`se, hereby
`
`declines
`
`to consent
`
`to electronic
`
`service
`
`and/or
`
`filing
`
`of documents
`
`in this
`
`action.
`
`Defendant
`
`hereby
`
`opts
`
`to receive
`
`service
`
`of, and to file
`
`all documents
`
`in hard
`
`copy.
`
`Date:
`
`04/05/2024
`
`TO: GROSS
`
`PŒLOWY
`
`LLC
`
`1775 WEHRLE
`
`DR STE
`
`100
`
`WILLIAMSVILLE,
`
`NY 14221-7093
`
`Steven
`
`Acosta
`
`1495
`
`Jefferson
`
`Avenue
`
`NY 11237
`
`Brooklyn,
`
`646-256-9234
`
`13 of 13
`
`