FILED: NEW YORK COUNTY CLERK 12/06/2016 02:44 PM
`FILED: NEW YORK COUNTY CLERK 122016 02:44 P
`NYSCEF DOC. NO. 28
`NYSCEF DOC. NO. 28
`
`IND
`EX NO.
`150490/2015
`INDEX NO. 150490/2015
`dllv-1 .D VYSC
`BF:
`12/O6/2016
`RECEIVED NYSCEF: 12/06/2016
`
`

`

`NOTICE OF SALE
`
`BY VIRTUE OF DEFAULT in a security agreement filed on November 9, 1988,
`
`indebtedness due by December 1, 2018,. by JENNIE A. MOED, MELVYN MOED
`and SARAH KRUPKA in accordance with its rights as holder of the security,
`
`APPLE BANK FOR SAVINGS, its successors and/or assignees, by Victor Marine,
`
`Auctioneer, DCA # 1005640 and/or Donald Leung, Auctioneer, DCA # 1392572,
`
`and/or Melanie Pena, Auctioneer, DCA # 1471969, will conduct a public sale of the
`security consisting of383 shares of capital stock issued by 315 APARTMENTS
`
`COR.P., and all right title and interest in and to a proprietary lease in a building
`
`known as and by the street address 315 WEST END AVENUE, APT. 4C, NEW
`
`YORK, NY 10023, with an estimated value of $ 1,450,000.00, together with fixtures
`
`and articles of personal property now or hereafter affixed to or used in connection
`
`with said apartment on December 14, 2016 at 1:00 p.m. and at the Rotunda of the
`
`New York County Supreme Court Building, 60 Centre Street, New York, N.Y.; in
`
`satisfaction of an indebtedness in the original principal amount of $ 160,000.00, on
`
`which there remains an unpaid principal balance of $ 58,916.63 plus interest, late
`
`fees attorne ’s fees, 0 en maintenance char es and other advances that ma have
`2
`P
`3
`
`been made.
`
`Notice is hereby given to JENNIE MOED, NIELV SEN MOED and SARAH
`
`KRUPKA that payment of the debt is due in full by November 21, 2016. Further,
`
`that if JENNIE MOED, MELVYN MOED and SARAH KRUPKA or any person(s)
`
`has a dispute of validity of the lien or amount claimed herein, it may be brought to
`
`proceeding under Lien Law, Section 201-1, within 10 days of the service of notice.
`
`

`

`You, JENNIE MOED, MELVYN MOED and SARAH KRUPKA is/are entitled to
`
`an accounting of the unpaid indebtedness secured by the property that we intend to
`sell. You may request an accounting by contacting Stern & Eisenberg, PC at (5l6)
`
`630-0288. The secured party reserves the right to bid on the security interest, to set
`
`the minimum sale amount and to reject any and all bids. The secured party makes
`
`no warranties or representations. Each bidder must make his/her own inquiry
`
`regarding the apartment and anyliens or debts in connection therewith. The sale is
`
`subject to the Terms of Sale, including ten (10%) percent deposit by cash or
`
`certified funds at the auction; balance due upon closing with thirty (30) days; the
`
`payment of all sums due to the cooperative corporation; and any existing tenancy.
`
`The apartment will be sold AS IS, possession is to be obtained by purchasc-:r(s).
`
`Stern & Eisenberg, PC
`
`Woodbridge Corporate Plaza
`
`485B Route 1 South — Suite 330
`
`Iselin, NJ 03830
`
`Attorneys for Secured Creditor
`
`Apple Bank for Savings
`
`

`

`

`

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`
`At an [AS Partéfi/of the Supreme Court of
`the State of New York, held in and for the
`County of Nassau, at the Courthouse, 60
`Center Street, New York New York, on the
`fig day of January, 2015
`
`P R E S E :N T :
`
`.
`ANEL G. SENGH
`
`HON.
`
`J.S-C:.
`
`..--....---------..----......-..............------.,.,..-.-........__---_-----___)(
`
`JENNIE K. MOED,
`
`Plaintiff,
`
`index No.
`
`_
`
`/3,0‘?! ? 0 M3'Of'r—
`
`- against -
`
`EMERGENCY ORDER TO
`SHOW CAUSE WITH
`TEMPORARY
`RESTRAINING QRDER:
`
`APPLE BANK FOR SAVINGS
`
`Defendant.
`--.------_---....-_--.._---------,.-------_------...-....--.._-___---__)(
`
`‘Upon reading and ‘filing the annexed Verified Complaint dated January 14, 2015; and
`
`the Affidavit of Jennie Mood, sworn to the a’ Y day of January, 2015 and aii the reievant
`
`exhibits annexed hereto,
`
`LET, the Defendant Show cause, at an I 8 Part of the Supreme Court, to be held at the
`35
`.75’-"I 335?
`Courthouse thereof. located ateo Center Street, County of New York, State of New York on
`
`2015 e’rl-g:—i*:;r§\"cE>xc’:\i<’i§the forenoon of that day or as soon thereafter
`
`the
`
`day‘ of
`
`as counsel can be heard. why an Order shouid not be entered:
`
`(A)
`
`For a preiiminary injunction pursuant to CPLR Section 6301 restraining Detencia-ht from
`
`proceeding with the sate of the shares of stock owned by Plaintiff in the cooperative
`
`corporation located at 315 West End Avenue, New York on the groundethat (i)
`
`Defendant has failed to comply with the notice and service requirements of UCC 9-61 1
`
`(f) and SL513 relating to the rights of a secured party after an alleged defauit, (ii)
`
`

`

`Plaintiff is not in default under the terms of the loan agreement, and (iii) permitting
`
`Defendant to proceed with the sale of Plaintiffs shares of stock in the cooperative
`
`Corporation would tend to render any judgement ineffectual and would produce injury to
`
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`
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`6: sale of the aforementioned Stock
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`ORDERED, that on or before January 2, 2015, a conformed copy of this Order shall be
`[3 9-!
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`served upon the affine of the attorneys for the defendanfto wit:
`afi _q
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`
`{B}
`
`«$5 L
`
`Stem & Eis-enberg, PC
`Woodbridge Corporate Plaza
`485 A Rcute 1 South - Suite 110
`lee-line, New Jersey 08830
`
`*tflp'p,33i{iQ.n papers ehali be .‘ e .
`m,§_,,«g rag;
`Street, Ream 32%;“) em or
`befere _, :/',’e—-_'l£[_ll,-.L.4l..————»-—~—»»-—-—~~~—'”
`
`is N T E R:
`
`
`” ‘Am. C. emea
`
`

`

`

`

`SUPREME COURT OF THE STATE OF NEW YORK
`COUNTY OF NEW YORK: IAS PART 19
`...........................................................--'._------x
`JENNY K. MOED,
`
`Plaintiff,
`
`-against-
`
`DECISION/ORDER
`
`Index No.: 150490/2015
`
`APPLE BANK FOR SAVINGS,
`
`'
`
`MOI. Seq. 001
`
`_____________________________________________________________________x
`
`Defendant.
`
`KELLY O’NEILL LEVY, J.:
`
`Plaintiff seeks, by Order to Show Cause, a preliminary injunction pursuant to CPLR 6301
`
`restraining Defendant Apple Bank for Savings (“Apple”) from proceeding with the sale of the
`
`shares of stock she owns in the cooperative corporation located at 315 West End Avenue in
`
`Manhattan on the grounds that (i) Apple has failed to comply with the notice and service
`
`requirements of UCC §§ 9-611(1) and 9-613 relating to the rights of a secured party after an
`
`alleged default; (ii) Plaintiff is not in default under the terms of the loan agreement; and (iii)
`
`permitting Apple to proceed with the sale of Plaintiff’s shares of stock in the cooperative
`
`corporation would tend to render any judgment ineffectual and would produce injury to the
`
`Plaintiff.
`
`Upon signing the Order to Show Cause on January 20, 2015, the court (Singh, J.) ordered
`
`that “pending the hearing ofthis application the sale of the aforementioned stock owned by
`plaintiff is stayed.” Oral argument was adjourned numerous times over a number of months at
`
`the request of the parties as they attempted to work out a settlement of the matter. Now, upon
`
`review of the papers submitted, the court grants the motion.
`
`—_..._...__..._..—»~—..
`
`

`

`Plaintiff is the holder ofa proprietary lease and cooperative shares appurtenant to
`
`apartment 4C‘at 315 West End Avenue in Manhattan, where she has resided since 1981.
`
`Plaintiff's now deceased husband and mother entered into a loan agreement with Defendant in
`
`1988. Plaintiff contacted Defendant on several occasions over the years to clarify what debt
`
`remained on the loan, the last time being in May 2014.
`
`In or about August 2014, Plaintiff
`
`received a notice of breach and in December 2014, a notice of sale of her stock, noting a
`
`principal balance of$58,9l6.63 plus interest. She asserts that Apple failed to comply with ‘the
`requirements of UCC §§ 9-61 l-and 9-613, and that accordingly, the court should issue a
`
`preliminary injunction to restore the status quo and protect her from substantial and irreparable
`harm.
`I
`
`To succeed on a motion for a preliminary injunction, plaintiff must demonstrate a
`
`likelihood of success on the merits, that it would suffer irreparable injury without the injunction,
`
`and that a balance of equities is in its favor. Hay Group, Inc. v. Nadel, 170 A.D.2d 398, 399 (1st
`
`Dep’t 1991). Plaintiff has demonstrated all three here.
`
`Pursuant to NY UCC § 9-613(e), prior to disposing of collateral, the debtor must be sent
`
`a notice. The following sample language “provides sufficient information” as per the statute:
`
`You are entitled to an accounting of the unpaid indebtedness secured
`by the property that we intend to. sell (or lease or license, as
`applicable) (for a charge of $). You may request an accounting by
`calling us at (telephone number).
`
`NY UCC § 9-6] 3(e). The notice must state, among other things, “that the debtor is entitled to an
`
`accounting of the unpaid indebtedness and stat[e] the charge, if any, for an accounting.” NY
`
`UCC § 9-6l3(a)(4).
`
`It is undisputed here that the Notice of Breach issued by Apple on August
`
`22, 2014 does not contain this language. While the notice does provide a contact address for
`
`Loan Servicing for the debtor to use “[i]fyou disagree with the assertion that the Security
`
`2
`
`

`

`Agreement is in default, or if you disagree with the calculations of the amount required to cure
`
`the default as stated in this letter,” it does not provide the unequivocal statement of the debtor’s
`
`rights as does the language of the statute and contains no statement of charge for an accounting.
`
`The court thus finds that Apple has not substantially complied with its notice obligations and
`
`finds the notice insufficient. While, as Apple points out, pursuant to NY UCC § 9-61 3(c)(2),
`
`“particular phrasing of the notification is not required," the court finds that it is particularly
`
`critical that individuals facing the possibility of losing their homes be afforded with the clearest,
`
`most complete information possible. See" generally First Nat ’l Bank of Chicago 12. Silver, 73
`
`A.D.3d 162 (2d Dep’t 2010) and Aurora Loan Servs. v. Weisbfum, 85 A.D.3d 95 (2d Dep’t
`
`201 1). The court does not find these defects harmless and accordingly, the motion is granted.
`
`Submit Order on notice.
`
`Dated: January
`
`, 2016
`
`ENTER:
`
`i
`
`Hon. Kelly Neill Levy, A.J.S.C.
`
`7
`
`HON. KELLY O'NEILL LEVY
`
`

`

`

`

`NOTICE OF SALE
`
`BY VIRTUE OF DEFAULT in a security agreement filed on November 9, 1983, indebtedness
`due by December 1, 2018, by JENNIE A. MOED, MELVYN MOED and SARAH KRUPKA in
`accordance with its rights as holder of the security, APPLE BANK FOR SAVINGS, its
`successors andlor assignees, by Victor Marino, Auctioneer, DCA # 1005640 and/‘or Donald
`Leung, Auctioneer, DCA # 1392572, and/or Melanie Pena, Auctioneer, DCA # 1471969 and/or
`ivan Lau, Auctioneer, DCA # 1470476 will conduct a public sale of the security consisting of 383
`shares of capital stock issued by 315 APARTIVIENTS CORR, and all right title and interest in
`and to a proprietary lease in a building known as and by the street address 315 WEST END
`AVENUE, APT. 4C, NEW YORK, NY 10023, with an estimated value of S 1,450,000, together
`with fixtures and articles of personal property now or hereafter affixed to or used in connection
`with said apartment on January 21, 2015 at 12:30 gun. and at the Rotunda of the New York
`County Supreme Court Building, 60 Centre Street, New York, N.Y.; in satisfaction of an
`indebtedness in the original principal amount of S 160,000.00, on which there remains an unpaid
`principal balance of S 58,916.63 plus interest, iate fees, attorney’s fees, open maintenance
`charges and other advances that may have been made.
`
`Notice is hereby given to JENNIE MOED, MELVYN MOED and SARAH KRUPKA that
`payment of the debt is due in full by January 9, 2015. Further, that if JENNIE MOED,
`MELVYN MOED and SARAH KRUl’KA or any person(s) has a dispute of validity of the lien
`or amount claimed herein, it may be brought to proceeding under Lien Law, Section 201-1,
`within 10 days of the service of notice.
`
`The secured party reserves the right to bid on the security interest, to set the minimum saie
`
`amount and to reject any and all bids. The secured party makes no warranties or
`
`representations. Each bidder must make his/her own inquiry regarding the apartment and any
`liens or debts in connection therewith. The sale is subject to the Terms of Sale, including ten
`(10%) percent deposit by cash or certified funds at the auction; balance due upon closing with
`thirty (30) days; the payment of all sums due to the cooperative corporation; and any existing
`tenancy.
`
`The apartment will be sold AS IS, possession is to be obtained by purci1aser(s).
`Stern & Eisenberg, PC
`
`Woodbridge Corporate Plaza
`
`485 A Route 1 South —~ Suite 110
`
`Isclin, NJ 08830
`
`Attorneys for Secured Creditor
`
`Apple Bank for Savings
`
`

`

`

`

`M1CHAEL L. MOSKOWETZ
`FUCHARD E. WELTMAN’
`
`MICHELE K, JASPAN“
`MELISSA A. GUSEYNOV
`
`'AL.50 ADMETTEF3 IN N»)
`
`WELVMAN 5: MOSKOWITZ, LLP
`ATTORNEYS AT LAW
`
`270 MADISON AVENUE
`
`NEW YORK. NEW YORK IOOEG-C603
`
`7
`‘Zia!
`FAX: £222» 684- 7995
`v-mmmwettmoslccom
`info@we|tmosLccom
`
`December 31- 2013
`
`575 UNDERHILL BOULEVARD
`SYOSSEV. NEW YORK |l79E-34-I'll
`
`t5lEl 93l—4-OBS
`S99 RIVERVEEW DRIVE
`TOTCWR. NEW JERSEY 07532-H65
`(201) 794~7 500
`FAX [201] 625-6475
`
`VIA P:MAlI.J (mcascinu@Sterneisenberg.corn) and CERTIFIE!) MAIL,
`RETURN RECEIPT REQUESTED
`
`Margaret Cascino. Esq.
`Stern & Eisenberg, PC
`Woodbridgc Corporate Plaza
`485 A Route 1 South ~ Suite 110
`
`lselin. New Jersey 08830
`
`Re:
`
`Cooperative Apartment Adjustable Rate Loan Note and Security’ Agreement
`(“Loan and Security Agreement”), made by Jennie A. Moed, Melvyn Moed and
`Sarah Krupka (“Borrowers”) in favor of Apple Bank for Savings ("Secured
`.Party”‘}
`
`Premises: 315 West End Avenue. Apartment 4C
`New York. New York ILOO23 (“Property”)
`
`Dear
`
`Cascino:
`
`'l.‘his law firm represents Jennie A. Moed, the sole remaining borrower under the Loan.
`and Secu1'ity Agreement (“Borrower”). Both Melvyn Moed and Sarah Krupka are deceased.
`
`We are in receipt of the following documents: (i) Notice of Breach of Mortgage- dated
`August 22- 20] 4; (ii) Notice of Breach of Loan and Security Agreernenhdatcd August 22. 2014;
`and (iii) Notice of Sale. purportedly scheduling a Uniform Commercial Code auction and sale of
`the Property for January' 2L 2OIS. Copies of the Notices of Breach and Notice of Sale
`(collectively, “Notices") are attached hereto for ease of reference.
`
`to comply with the statutorv notice
`Initially, note that Secured Party’s Notices fail
`retguirements pursuant to NY. UCC § 9-61l(t). Among the deficiencies, Secured Party: (i)
`neglected to use the prescribed type size and font; (ii) did not include a “Help for .Hon1cowners"'
`notice as set forth in section 9—611(f); and (iii) failed to provide the requisite notice on colored
`paper. See N.‘{. UCC § 9—61l(f).
`
`

`

`WELTMAN E MOSKOWITZ. LLP
`
`;‘vlargaret Caseino. Esq.
`December 31. 2014
`Page 2
`
`In addition. Secured Party failed to inform Borrower of her entitlement of an accounting
`and state the charge, if any. for such an accounting, in violation of N .Y. UCC § 9-613. See
`N.Y. UCC
`9—6l3( I)(D). Our client has expressed issues with the claimed delinqucncv and
`expressly disputes the payoff amount and calculation of’ the claimed escrow accrual.
`A
`comprehensive accounting in support of the purported account balance is therefore requested.
`
`The statutory notice re uirernents constitute a condition precedent to conducting a valid
`Secured Party sale.
`In view 0 this, Borrower hereby demands that Secured Party delay the sale
`tlor a eriod not less than 90 days. and that Secured Parry serve new notices on Borrower that
`comp y with N.Y. UCC Article 9.
`
`rovision of this letter shall be deemed to waive, release, modify, alter, amend. or
`No
`otherwise c ange any ofBorrower’s rights or remedies under the Loan and Security Agreement
`or any other rights or remedies available to Borrower at law or equity or under any other
`agreements or otherwise, nor shall any such provision be deemed to prevent Borrower from
`enforcing any of said rights or remedies, all oi which rights and remedies hereby are expressly
`reserved unless otherwise provided herein.
`
`Please respond w_ith your cl_ient‘s position respecting the noticed sale date either way.
`You may also reach me directly to discuss this matter further.
`
`'l‘ha11l< yon.
`
`RIiW'.i1nag
`_
`lfjriclosurcs
`cc: Ms. Jennie A. Moed
`
`__ --/""
`trulgcilyours.
`‘.; 7’
`“if”?
`..r—......\..—»-«r-——~«-—.._kw‘
`
`
`/’
`
`l3.§1'f3HARD E. W}3L'i'MAl\'
`
`

`

`

`

`WELTMAN 6. MosKowITz, LLP
`ATTORNEYS AT LAW
`
`270 MADISON AVENUE
`
`NEW YORK. NEW YORK lOOi6-0603
`
`FAX: IEIEJ 634-7995
`www.we|“tITaosk.corn
`irtfo@weitrnosk.com
`
`575 UNDERHILL BOULEVARD
`SYOSSET, NEW YORK H79!-343l
`
`I513} QEI-403
`I8 COLUMBIA TUHNPIKE
`SUITE 200
`FLOFIHAM PARK. NEW -JERSEY 07932-2266
`(2011 ‘.794-Zfsno
`FAX IEOII 625-G475
`
`,
`
`_,
`
`_
`
`_
`
`_‘
`
`n
`
`_
`
`_‘
`
`_
`
`»°\§3Q0_UNI_NQ-'
`Statement No:
`
`Page: 1
`07129/2015
`__ 109_§0-091M_,
`42328
`
`$9,365.72
`
`$9,365.72
`
`IVHCHAEL L. MOSKOWITZ
`RICHARD E. WELTMAINP
`
`MICHELE K. JASPAN'
`MEL!5SA A. GUSEYNOV
`‘AL5u ADMITTED in NJ
`
`Mrs. Jennie Moed
`, 315 V,“-°'3‘_E“E_A‘L¢[‘”e __
`Apartment 40
`New York NY 10023
`
`Re: Appie Bank for Savings with Jennie A. Moed
`
`PREVIOUS BALANCE
`
`BALANCE DUE
`
`KINDLY REMIT. YOUR ACCOUNT IS MORE THAN 180 DAYS PAST DUE.
`
`Terms: Payable upon receipt
`Thank you for the opportunity to be of service.
`
`

`

`WELTMAN 5: MOSKOWITZ, LLP
`ATTORNEYS AT LAW
`
`270 MADISON AVENUE
`
`NEW YORK. NEW YORK |OO|8—O603
`
`(212) 684-7500
`FAX: l2|E) 684- 7995
`www.weltrnosl<.com
`info@we|tmosKcom
`
`575 UNDERHILL BOULEVARD
`SYOSSET. NEW YORK |l7Q|-343I
`l5l5l 93!-4055
`
`H3 COLUMBIA TURNPIKE
`SUITE 200
`FLORHAM PARK NEW JERSEY 07932-2266
`(200 754-7500
`FAX (200 625-6475
`
`ACCOUNT NO:
`Statement No:
`
`Page: 1
`02/02/2015
`10930-001 M
`40042
`
`MICHAEL L. MOSKOWITZ
`RICHARD E. WELTMAN‘
`
`MlCHELE K. -JASPAN'
`MELISSA A. GUSEYNOV
`‘ALSO ADMITTED IN NJ
`
`Mrs. Jennie Moed
`315 West End Avenue
`Apartment 4C
`New York NY 10023
`
`Re: Apple Bank for Savings with Jennie A. Moed
`
`01/01f2015
`
`01l|ZI2f2015
`
`01l’05/2015
`
`01/06/2015
`
`MAG
`
`MAG
`
`MAG
`
`MAG
`
`MAG
`
`REW
`REW
`
`REW
`
`REW
`
`REW
`
`MAG
`MAG
`
`MAG
`
`MAG
`
`MAG
`
`MAG
`MAG
`
`MAG
`
`MAG
`
`MAG
`
`Strategy conference with REW re: client meeting, client documents and
`compliance with UCC article 9 requirements for sale of co—operative
`apartment shares and proprietary lease (12/30)
`Meeting with REW re: notices of breach and sale sent to homeowner by
`Apple Bank; review UCC article 9 requirements re: same (12/30)
`Review UCC Article 9-611(f) requirements re: 90—day predisposition letter;
`review case law re: same; circulate analysis to team (12.l30)
`Discussion with REW re: letter to Apple Bank and delaying foreclosure sale;
`review case details with REW based on meeting with client; analyze next
`steps; analyze relevant case law re; conditions precedent to valid UCC co~op
`sales (1230)
`Draft letter to secured party's counsel requesting adjournment of sale and
`demanding proper 90-day predisposition letter; review and revise same
`(12/30)
`lnitial conference with Jennie A. Moed re: noticed sale (12/30}
`Strategy conference re: initial UCC research and possible non—comp|iance
`issues (12130)
`Strategy conference with associate re: demand letter to Apple Bank counsel
`and revise (12i30)
`Finaiize demand letter to bank's attorney; confer with MAG re: researched
`accounting dispute (12/31)
`
`Telephone conference with client re: letter to bank's attorneys; consider
`separate letter from client to bank
`Review, revise, and finalize letter to Secured Party's creditor
`Compile attachments to letter; draft and send e-mail to secured party's
`counsel — attach letter
`
`Strategy conference with REW regarding response to letter; mark for
`follow-up with bank's attorney tomorrow
`
`Draft and send follow up email to Apple Bani-(‘s counsel re: sale; review
`followup email from REW re: call to Apple Bank counsel this afternoon; mark
`for followup
`Telephone conference with J. Moed re: sale and 05C; draft and send
`followup email to REW re: estimate for OSC and Lien law 201-1; related
`toltowup
`Review and analyze New York Lien Law section 201
`Review notice of sale re: lien law; review 0805 in NY to stay foreclosure
`sales; mark for followup
`Multiple telephone calls with J. Moed re; lien law proceeding, adjournment
`request and next steps
`Follow up telephone call with REW re: case strategy and lien law proceeding;
`analyze next steps
`Telephone call with M. Cascino (Apple Bank's attorney) re: adjournment
`request and possible workout; followup with client
`
`n/c
`
`0.34
`
`0.17
`
`0.34
`
`0.34
`
`0.51
`0.51
`
`0.17
`
`0.34
`
`0.51
`
`0.1?
`0.17
`
`0.34
`
`0.17
`
`0.34
`
`0.51
`0.17
`
`0.34
`
`0.34
`
`0.17
`
`0.17
`
`

`

`Mrs. Jennie Mood
`
`Re: Apple Bank for Savings with Jennie A. Mood
`
`ACCOUNT NO:
`Statement No:
`
`Page: 2
`02/02/2015
`10930-001 M
`40042
`
`MAG
`
`MAG
`
`MAG
`
`REW
`REW
`
`REW
`REW
`REW
`REW
`
`MAG
`
`MAG
`
`MLM
`
`REW
`REW
`REW
`
`MAG
`
`MAG
`
`MAG
`
`MAG
`
`MAG
`
`MAG
`
`MAG
`
`MAG
`
`MLM
`
`REW
`REW
`
`MLM
`MLM
`
`Review and analyze email from M. Cascino re: 90-day letter; pro se letter
`from J. Mood and status of request; review and analyze pro se adjournment
`request letter from J. Moed; followup call with J. Mood and REW
`Telephone confernece with client re: adjournment of sale and engagement
`with another attorney
`Telephone conference call with REW and client; related followup
`
`Telephone conference with attorney M. Oziel
`Receipt, review and file correspondence - letter from J. Moed
`
`Finalize email update to M. Oziel
`Telephone conference with client
`Finalize email to M. Oziel
`Finalize email to M. Haber
`
`Review and analyze email and attached loan modification package rom Stern
`& Eisenberg; draft and send email re: same to REW
`Draft cover letter to client enclosing loan modification package; review and
`revise same and circulate to JG for signature and mailing of same; mark for
`followup with Stern & Eisenberg on Monday re: adjournment of sale
`Review, revise and finalize letter to client re: loss mitigation application for
`Apple Bank
`Continuing efforts to extend sale date; calls with J. Moed
`Telephone conference with J. Moed
`Telephone conference with attorney Oziei
`
`Status conference with REW re: status of case. followup with Apple Bank and
`reaching out to Mr. Oziet and Mr. Haber, as per client's request
`Draft and send follow up email to counsel to Apple Bank re: adjournment
`request; mark for followup via telephone
`Draft and send email to Michael Oziel re: payoff amounts re: Ms. Moed's
`other obligations and liens to be paid in connection with the 57th Street
`condo; attach letter to Appte Bank
`Draft and send email to Michael Haber as per client's request, introducing our
`firm and attaching December 31, 2014 letter to Apple Bank and a July 10.
`2014 escrow statement
`Telephone call from Mr. Oziel re: status of adjournment of sale and document
`request
`Telephone conference with M. Oziel re: lien law and notice of sale: discuss
`NY UCC 9-611
`Telephone call with J. Moed re: sale, escrow calculations and followup with
`counsel to Apple
`Review and analyze email from counsel to Apple Bank re: adjournment of
`sale; mark for followup with client
`Strategy conference with MAG re: escrow account calculation and potential
`chapter 13 filing re: same
`Strategy conference with associate re: Haber. Oziel and updating client
`Strategy conference with associate re: continued follow ups with Apple Bank
`attorneys, M. Haber. M. Oziel
`
`Analyze client's ability to file chapter 13
`Strategy conference with REW re: chapter 13 plan and skeletal filing need by
`Tuesday 1/20
`
`0110?/2015
`
`011082015
`
`011092015
`
`01/12/2015
`
`01/13i'2015
`
`0.51
`
`0.17
`0.1?
`
`0.51
`0.17
`
`0.17
`0.51
`0.34
`0.17
`
`0.1?’
`
`0.17
`
`0.17
`0.34
`0.17
`0.51
`
`0.1?
`
`0.1 7
`
`0.17
`
`0.17
`
`0.17
`
`0.17
`
`0.34
`
`0.1?
`
`0.17
`0.1?
`
`0.34
`
`0.1 T
`
`0-17
`
`

`

`Mrs. Jennie Mood
`
`Re: Apple Bank for Savings with Jennie A. Moed
`
`ACCOUNT N0:
`Statement No;
`
`Page: 3
`02/02/2015
`10930-001 M
`40042
`
`MAG
`
`MAG
`
`MAG
`
`MAG
`
`MAG
`
`MAG
`
`MAG
`MAG
`MAG
`MAG
`MAG
`
`MAG
`
`MAG
`
`MAG
`
`REW
`
`REW
`
`REW
`
`REW
`
`REW
`
`REW
`REW
`REW
`REW
`
`REW
`REW
`
`MAG
`MAG
`
`Telephone call from J. Moed re: sale and 08C; prepare fax to client
`containing loan modification packet
`Telephone call from J. Moed re: loan modification package and sale
`adjournment; answer client's inquiries; draft and send follow up email to
`bank's counsel re: adjournment
`Telephone call from client re: Seneca figures and release of information to
`Apple Bank; answer client's inquiries; follow up discussion with REW re:
`same
`
`Review and analyze section 1U9(e) regarding debt limits for fiiing chapter 13
`bankruptcy; discussion with REW re: same
`Telephone call from M. Oziel re: assets and liabilities of J. Moed for possible
`chapter 13 bankruptcy filing
`Telephone call from client re: loss mitigation paperwork and adjournment of
`sale; answer client's inquiries
`Telephone call from client re: assets and liabilities
`Review and analyze assets, income and liabilities as circulated by Mr. Oziel
`Draft and send followup email to REW re: amount owed on Seneca loan
`Telephone call from J. Moecl re: OSC and next steps
`Review and analyze email from M. Oziel re: loan modification; draft and send
`reply email re: same and attaching loan modification package
`Strategy conference re: possible assignment from Apple Bank; draft and
`send email to bank's counsel requesting payoff statement
`Review and analyze letter from M. Haber indicating and expressing interest of
`section position creditor to satisfy amount owed to Appie Bank
`Email with REW re: strategy and next steps to obtain adjournment and close
`transactions; draft email to bank's counsel renewing adjournment request,
`attaching letter and explaining interest of creditor; review and revise ands end
`to bank's counsel
`Telephone conference with client re: coordination of order to show cause and
`possible complaint by M. Oziel
`Receipt, review and file correspondence from Apple Bank attorneys re:
`completion of loss mitigation package
`Telephone conference with Michael Oziel re: Florida properties - condo.
`co-op apartment
`Telephone conference with M. Haber re: possible payoff of mortgage - letter
`from proposed assignee (second position) ($150k) - November 2014
`statement (Christopher Tabeek); confer with MAG re: Apple Bank request for
`30-day extension of sale date
`Strategy conference with associate re: continuing efforts to obtain consensual
`adjournment from Apple Bank
`
`Receipt, review and file correspondence from bank counsel
`Receipt, review and file correspondence from Oziel re: bankruptcy stay
`Telephone conference with client re: time and billing; account review
`Telephone conference with client re: email from M. Haber and foliow up with
`bank attorney
`Account review and respond to client, Oziel requests
`Strategy conference with associate re: managing sale process. requested
`adjournment; bankruptcy stay if needed
`Telephone call from client re: M. Oziel and payoff; review message re: same
`Telephone call back to client (returning missed call) re: adjournment of sale.
`M. Oziel. M. Haber and possible assignment from Apple Bank; response to
`client's request re: her retainer
`
`0.34
`
`0.34
`
`0.17
`
`0.17
`
`0.17
`
`0.17
`0.34
`0.17
`0.17
`0.17
`
`0.17
`
`0.17
`
`0.17
`
`0.34
`
`0.17
`
`0.17
`
`0.34
`
`0.34
`
`0.17
`
`0.17
`0.17
`0.17
`
`0.17
`0.17
`
`0.17
`0.17
`
`0.34
`
`nlc
`
`nfc
`
`01114-/2015
`
`

`

`Mrs. Jennie Moed
`
`Re: Apple Bank for Savings with Jennie A. Moed
`
`ACCOUNT N0:
`Statement No:
`
`Page: 4
`02l02.’201 5
`10930-001 M
`40042
`
`01/15/2015
`
`01/16/2015
`
`01/2012015
`
`O1/21/2015
`
`MAG
`
`MAG
`
`MAG
`
`MLM
`
`MAG
`
`MAG
`
`MAG
`
`MAG
`
`MAG
`
`MAG
`
`REW
`
`MLM
`REW
`REW
`REW
`REW
`
`REW
`
`MLM
`MAG
`
`MAG
`
`MAG
`
`REW
`REW
`
`Draft and send followup inquiry to bank's counsel re: adjournment request.
`letter of interest and payoff letter
`Draft and send response email to M. Oziel answering inquiry re: chapter 13
`eligibility for Ms. Moed
`Draft and send followup letter to bank's counsel re: payoff. transaction with
`second lien lender and adjournment of sale; follow up regarding loss
`mitigation
`
`Office conference with legal assistant re: following up with client re: credit
`counseling certificate and information for chapter 13 filing
`Numerous emails re: potential chapter 13 filing and tasks to be completed re:
`same; review and analyze status update emails re: same
`Telephone call with M. O'Ziel re: adjournment of sale and OSC; draft and
`send update email to team
`Telephone call with client re: adjournmnet of sale and OSC; draft and send
`update email to team
`Telephone call to bank's counsel re: payoff and adjournment request; draft
`and send email to team re: same
`Telephone call from client re: legal fees and M. Haber not knowing about M.
`Oziel and vice versa; update client re: status of adjournment and payoff
`Review email from M. Oziel re: OSC; telephone call with M. Oziel re: OSC;
`review and file email from M. Oziel to Apple Bank's counsel
`Receipt, review and file correspondence from Apple Bank; M. Oziel, others
`
`Office conference with REW re: letter to client re: bankruptcy representation
`Finalize letter to J. Moed
`Telephone conference with client
`Telephone conference with Eric Schultz re: Barnett litigation
`Review papers received from opposing counsel - transmittal from M. Oziel
`with proposed OTSC and TRO for hearing on 111'20l15
`
`Telephone conference with M. Oziel; email follow up to M. Oziet; confirmation
`of TRO signed today by Hon. Anil Sing, JSC (returnable 02105115)
`
`Prepare, review and revise letter to client enclosing final statement
`Review and analyze OSC and related documents; review email from M. Oziel
`re: hearing on Tuesday to stay the scheduled sale; mark for follow up
`Review status of case and analyze next steps: review email from M. Oziel re:
`hearing on OSC and stay of sale; review signed OSC; draft and send
`Review email from REW re: next steps and pursuit of Apple Bank; mark for
`followup with client re: retainer and next steps; review email to M. Oziel re:
`next steps in case; supervise calendaring of hearing date and time
`Telephone conference with Jennie Moed
`Account review
`
`0.17
`
`0.17
`
`0.17
`
`0.17
`
`0.17
`
`0.17
`
`0.17 .
`
`0.17
`
`0.17
`
`0.17
`0.34
`
`0.17
`0.34
`0.17
`0.34
`
`0.34
`
`0.34
`
`0.17
`
`0.17
`
`0.17
`
`0.34
`0.17
`0.17
`22.10
`1.53
`
`n./c
`
`nlc
`
`n/C
`
`nlc
`
`9,734.20
`
`FOR PROFESSIONAL SERVICES RENDERED
`TOTAL NON—BlLLABLE HOURS
`
`RECAPITULATION
`
`TIMEKEEPER
`Richard E. Weltman
`Michael L. Moskowilz
`Melissa Guseynov
`
`HOURS
`8.50
`1 .02
`12.58
`
`RATE
`$560.00
`560.00
`350.00
`
`TOTAL
`$4,760.00
`571.20
`4,403.00
`
`

`

`Mrs. Jennie Moed
`
`Re: Apple Bank for Savings with Jennie A. Most!
`
`ACCOUNT NO:
`Statement No:
`
`Page: 5
`D2.’02.’2015
`10930-001 M
`40042
`
`Postage
`Federal Express
`TOTAL DISBURSEMENTS THRU UT/31/2015
`
`TOTAL CURRENT SERVICES
`
`01/02/2015
`01/01/2015
`
`PAYMENT RECEIVED
`PAYM ENT RECEIVED
`TOTAL PAYMENTS
`
`BALANCE DUE
`
`7.38
`15.29
`22.67
`
`9,756.87
`
`-2,200.00
`-300.00
`
`-2.50000
`
`$7,256.87
`
`

`

`

`

`12/6/2016
`
`Apple Bankwith Jennie Moed - 315 West End A\e., NY, NY Apt 4C Case: 909000268-2
`
`"Roland R. Georger" <rgeorger@sterneisenberg.com>
`From:
`"'oziellaw@opton|ine.net'" <oziellaw@opton|ine.net>
`To:
`"CALink" <CALink@sterneisenberg.com>
`Cc:
`12/05/2016 03:08:09 PM
`Date:
`Subject: Apple Bank with Jennie Moed - 315 West End Ave., NY, NY Apt 4C Case: 909.000266-2
`Attachments: ‘%‘2_»image003.png (1OKl3}, ‘€:nMoed payoff —1.,t:_)df (132KB1, %Moed payoff —2.pdf (112KB)
`
`Hi Michael,
`
`Sorry I missed you earlier. After consulting with our client we have been directed to proceed with the
`sale unless we receive a payoffor copy ofan executed contract of sale for the unit.
`I understand your
`position on this, I will promptly pass along any information or requests to our client should you have
`any.
`
`Thanks,
`
`Roland
`
`
`
`Roland R. Georger, Esquire
`Stern (Si Eisenberg, P.C.
`4976 Transit Road #2, Depew, NV 14043
`Phone (516) 630-0288 Ext. 1503 / Fox (732) 726-8719
`
`www .s’rerneisenberg.com
`*Admi1"red To practice law in NY
`
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