FILED: MONTGOMERY COUNTY CLERK 10/25/2021 09:21 AM
`NYSCEF DOC. NO. 20
`
`INDEX NO. EF2021-3
`
`RECEIVED NYSCEF: 10/25/2021
`
`RECElvPD
`M6WïscME•v
`
`A ..
`
`-,
`
`STATE
`SUPREME
`
`OF NEW YORK
`COURT
`
`210CT
`
`?5
`
`A:1
`
`9
`
`2I
`
`COUNTY
`
`OF MONTGOMERY
`
`JP MORGAN
`
`CHASE
`
`BANK,
`
`N.A.
`
`-against-
`
`MS DIANE
`
`L.
`
`COMPANI
`
`STEVEN
`
`X.
`
`KOURAY
`
`law
`
`in
`
`the
`
`State
`
`of
`
`New
`
`Plaintiff
`
`Defendant
`
`ESQ.,
`
`York,
`
`OPPOSING
`MOTION
`
`AFFIRMATION
`FOR
`SUMMARY.
`
`TO
`JUDGMENT
`
`INDEX
`
`NUMBER
`
`EF2021-3
`
`an
`
`attorney
`
`duly
`
`admitted
`
`to
`
`practice
`
`affirms
`
`pursuant
`
`to
`
`CPLR
`
`2106
`
`that
`
`the
`
`following
`
`statements
`
`are
`
`true:
`
`1.
`
`That
`
`I
`
`am a
`
`partner
`
`in
`
`the
`
`firm
`
`of
`
`Kouray
`
`and
`
`Kouray,
`
`attorneys
`
`familiar
`
`for
`
`with
`
`the
`
`the
`
`defendant
`
`above
`
`named,
`
`and
`
`as
`
`such
`
`I
`
`am thoroughly
`
`facts
`
`and
`
`circumstances
`
`of
`
`this
`
`action.
`
`2.
`
`That
`
`I make
`
`this
`
`motion
`
`affirmation
`
`in
`
`opposition
`
`to
`
`the
`
`of
`
`the
`
`plaintiff
`
`seeking
`
`summary
`
`judgment
`
`in
`
`accordance
`
`with
`
`Rule
`
`3212
`
`of
`
`the
`
`new
`
`York
`
`Civil
`
`practice
`
`Law
`
`and
`
`Rules.
`
`3,
`
`That
`
`the
`
`motion
`
`brought
`
`before
`
`the
`
`Court
`
`should
`
`be
`
`dismissed
`
`as
`
`a matter
`
`of
`
`law
`
`as
`
`the
`
`movant
`
`has
`
`failed
`
`to
`
`satisfy
`
`the
`
`mandatory
`
`requirememts
`
`of
`
`the
`
`statute
`
`governing
`
`summary
`
`judgments
`
`motions
`
`in
`
`two
`
`respects.
`
`4,
`
`In
`
`the
`
`first
`
`instance
`
`the
`
`plaintiff
`
`has
`
`neglected
`
`to
`
`annex
`
`to
`
`its
`
`motion
`
`the
`
`pleadings
`
`in
`
`this
`
`matter.
`
`Case
`
`law
`
`is
`
`clear
`
`that
`
`the
`
`failure
`
`to
`
`include
`
`the
`
`pleadings
`
`in
`
`a motion
`
`for
`
`summary
`
`judgment
`
`1 of 5
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 10/25/2021 09:21 AM
`NYSCEF DOC. NO. 20
`.
`
`INDEX NO. EF2021-3
`
`RECEIVED NYSCEF: 10/25/2021
`
`as
`
`required
`
`by
`
`CPLR
`
`3212
`
`(b)
`
`requires
`
`that
`
`the
`
`movant's
`
`motion
`
`for
`
`summary
`
`Insurance,
`
`judgment
`
`must
`
`be
`
`denied,
`
`McMahon
`
`v.
`
`Wolverine
`
`Worldwide
`
`233
`
`AD2d
`
`587
`
`(Third
`
`Dept.).-The
`
`requirement
`
`by
`
`statute
`
`that
`
`is
`
`a motion
`
`for
`
`summary
`
`judgment
`
`be
`
`supplied
`
`with
`
`the
`
`pleadings
`
`mandatory
`
`and
`
`the
`
`failure
`
`to
`
`include
`
`the
`
`same
`
`renders
`
`the
`
`motion
`
`Hertz
`
`28
`
`3d
`
`procedurely
`
`defective.
`
`Lake
`
`v.
`
`Corp.
`
`Misc.
`
`947.
`
`5.
`
`Secondly
`
`the
`
`motion
`
`is
`
`further
`
`deficient
`
`in
`
`that
`
`the
`
`of
`
`Amy Wingo
`
`of
`
`Bexar
`
`County
`
`Texas,
`
`an
`
`employee
`
`of
`
`the
`
`states
`
`in
`
`conclusory
`
`terms
`
`that
`
`she
`
`"reviews
`
`the
`
`electronic,
`
`and
`
`other
`
`books
`
`and
`
`records
`
`of
`
`Plaintiff's
`
`credit
`
`card
`
`accounts
`
`in
`
`default
`
`and
`
`subject
`
`consumer
`
`credit
`
`litigation."
`
`affidavit
`
`plaintiff,
`
`paper,
`
`that
`
`are
`
`are
`
`the
`
`of
`
`6.
`
`However,
`
`Wingo
`
`does
`
`not
`
`specifically
`
`does
`
`not
`
`identify
`
`the
`
`actual
`
`electronic,
`
`paper
`
`and
`
`"otherbooks
`
`and
`
`records
`
`of
`
`Plaintiff's
`
`clearly
`
`credit
`
`card
`
`accounts
`
`that
`
`are
`
`in
`
`default
`
`and
`
`does
`
`not
`
`set
`
`forth
`
`and
`
`identify
`
`those
`
`specific
`
`records
`
`relied
`
`on.
`
`7.
`
`As Wingo's
`
`purported
`
`knowledge
`
`of
`
`the
`
`specifies
`
`of
`
`this
`
`is
`
`set
`
`forth
`
`in
`
`form
`
`particular
`
`account
`
`not
`
`adequatly
`
`evidentiary
`
`her
`
`affidavit
`
`constitutes
`
`inadmissible
`
`hearsay
`
`and
`
`lacks
`
`probative
`
`value.
`
`proof
`
`8.
`
`of
`
`As
`
`the
`
`affidavit
`
`of Wingo
`
`is
`
`insufficient
`
`to
`
`demonstrate
`
`the
`
`facts
`
`constituting
`
`the
`
`claim
`
`it
`
`is
`
`respectfully
`
`submitted
`
`that
`
`the
`
`motion
`
`be
`
`denied.
`
`196
`
`AD3d
`
`618,
`
`Deutsche
`
`Bank
`
`National
`
`Wells
`
`Trust
`
`Fargo
`
`Bank
`
`v.
`
`Oziel
`
`Co.
`
`v.Hossain
`
`196
`
`AD3d.
`
`631.
`
`2 of 5
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 10/25/2021 09:21 AM
`NYSCEF DOC. NO. 20
`
`INDEX NO. EF2021-3
`
`RECEIVED NYSCEF: 10/25/2021
`
`WHEREFORE,
`
`it
`
`is
`
`respectfully
`
`requested
`
`that
`
`the
`
`prayed
`
`for
`
`relief
`
`be
`
`in
`
`all
`
`respects
`
`denied.
`
`Dated:
`
`October
`
`18,
`
`2021
`
`STEVEN
`
`X.
`
`KOURAY
`
`E$Q.
`
`3 of 5
`
`

`

`.
`FILED: MONTGOMERY COUNTY CLERK 10/25/2021 09:21 AM
`:.
`a
`NYSCEF DOC. NO. 20
`RECEIVED NYSCEF: 10/25/2021
`5.
`
`INDEX NO. EF2021-3
`
`55
`
`a
`
`a
`
`a
`
`-a
`
`OOOOO
`
`a4o
`
`OOOOO
`
`OOOOO
`
`o
`
`9
`
`COURT
`
`Judge
`
`YORK
`
`NEW
`
`OF
`
`STATE
`
`of
`
`County
`
`NO.
`
`No.
`
`INDEX
`R.J.I.
`
`withinis
`
`KOURAY
`
`12305
`Address
`
`the
`
`of
`374-1200
`YORK
`Street
`518
`Office
`service
`CODE
`NEW
`TELEPHONE
`State
`Post
`SCHENECTADY,
`AREA
`personal
`525
`and
`
`of
`
`day
`
`AND
`
`KOURAY
`
`Office
`
`for
`Attorneys
`
`original
`
`this
`
`for
`
`arknitted
`
`Attorney
`
`and
`
`Due
`
`.
`
`an
`
`of
`
`notice
`
`Take
`
`Sir:
`
`the
`granted
`
`on
`
`of
`
`day
`
`duly
`
`action,
`
`duly
`
`copy,
`
`entitled
`
`a
`is
`within
`
`within
`
`the
`
`which
`the
`
`of
`
`in
`
`and
`
`Clerk
`
`,
`
`the
`
`of
`
`office
`
`the
`
`in
`
`of
`
`of
`
`day
`
`Dated
`
`County
`the
`entered
`
`N.Y.,
`
`-
`
`on
`
`the
`
`of
`
`KOURAY
`
`12305
`Address
`
`374-1200
`374-7400
`YORK
`Street
`518
`Office
`CODE
`NEW
`TELEPHONE
`State
`Post
`SCHENECTADY,
`AREA
`
`525
`and
`
`AND
`
`KOURAY
`
`Office
`
`for
`Attorneys
`
`4 of 5
`
`for
`
`ttorney
`
`

`

`FILED: MONTGOMERY COUNTY CLERK 10/25/2021 09:21 AMINDEX NO. EF2021-3
`NYSCEF DOC. NO. 20
`RECEIVED NYSCEF: 10/25/2021
`TUTBLANX REGISTEREDU.S. PATENTOFFICE
`TUTTLELAWPRINT,PUBLISHERS,RUTLAND,vr O5702
`
`STATE OF NEWYORK, COUNTY OF
`The undersigned,
`an attorney
`
`found to be a true and complete copy.
`
`Dated:
`
`STATE OF NEWYORK, COUNTY OF
`The undersigned,
`an attorney
`
`admitte
`
`d to practice
`
`CERTIFICATION BY ATTORNEY
`the within
`certifies
`that
`o f New York State,
`in the courts
`has been compared by the underaigned with the original and
`
`admitted
`
`to practice
`
`in the
`
`courts
`
`of New York
`
`State,
`
`ATTORNEY'SAFFIRMATION
`depenent
`that
`
`shows;
`
`is
`
`the attorney(s) of record for
`that deponent has read the foregoing
`in the within action;
`own know1cdge, except as to the matters therein stated to be alleged on
`and knows the contents thereof;
`that
`the same is true to depenet's
`and belief, and that as to those matters deponent believes it
`further says that
`the reason this venficedon
`is
`to be true. Depenent
`infemation
`made by deponent and not by
`
`The grounds of dc¡;cnent's belief as to all matters not stated upon depenent's knowledge are as follows:
`
`The undersigned affirms that the f^==^
`
`g state:nent: are true, under the penahies of perjury.
`
`Dated:
`
`STATE OF NEWYORK, COUNTY OF
`
`is
`
`deponent
`
`the
`read the foregoing
`that the same is true to denanent's own h-=÷dge,
`believes it to be true.
`matters depenet
`
`SS.:
`
`INDIVIDUAL VERIFICATION
`, being duly sworn, deposes and says that
`that deponent has
`in the within action;
`and knows the contents thereof;
`except as to the matters therein stated to be alleged on "-d--
`and belief, and that as to those
`
`Sworn to before me, this
`
`day of
`
`STATE OF NEWYORK, COUNTY OF
`
`SS.:
`
`of
`read the foregoing
`that depencia has
`named in the within action;
`and knows the contents thereof; and that the same is true to deponent's own knowledge, except as to the matters therein stated to be alleged on
`it to be true.
`and belief, and as to those matters depci.cn:believes
`information
`is made by dapenet because
`This verification
`its
`is an officer
`corpe-ation. Deponent
`is a
`to-wit,
`thereof,
`The grounds of deponent's belief as to all matters not stated upon depenent's knowledge are as follows:
`
`CORPORATE VERIFICATION
`, being duly sworn, deposes and says that deponent is the
`the corporation
`
`Sworn to before me, this
`
`day of
`
`STATE OF NEWYORK, COUNTY OF
`
`SS.:
`
`AFFIDAVIT OF SERVICE BY MAIL
`
`being duly sworn, deposes and says, that +i==±
`
`is not a party to the action,
`
`is over 18 years of age and resides at
`
`That on the
`upon
`
`day of
`
`deponent served the within
`
`in this action, at
`
`attorney(s)
`
`for
`
`) for that purpose
`the address desige*ed by said acemey
`in - a post office - official
`under the
`addressed wrapper,
`a true copy of same enclosed in a p::±ptid
`depository
`properly
`by depe:iting
`exclusive care and custody of the United States post office departinent within the State of New York.
`
`Sworn to before me, this
`
`day of
`
`5 of 5
`
`