`NYSCEF DOC. NO. 17
`
`INDEX NO. EF008539-2023
`
`RECEIVED NYSCEF: 04/25/2024
`
`SUPREME
`COUNTY
`
`COURT
`OF THE
`OF ORANGE
`
`STATE
`
`OF NEW YORK
`
`NATIONAL
`WILMINGTON
`ASSOCIATION,
`TRUST,
`TRUSTEE
`AS SUCCESSOR
`TO CITIBANK,
`N.A.
`TRUSTEE
`FOR SACO I TRUST
`2006-9,
`MORTGAGE-BACKED
`CERTIFICATES,
`SERIES
`2006-9,
`
`AS
`
`Plaintiff,
`
`v.
`
`Index
`No. EF008539-2023
`PRO SE ANSWER
`VERIFIED
`TO FORECLOSURE
`COMPLAINT
`571ND
`COUNTERCLAIMS
`[Defendant:
`check
`this
`box
`checked
`item in the
`any
`"counterclaim"
`section
`
`below]
`
`if you
`
`ABRAHAM
`FISHKILL,
`DOE,"
`
`parties
`
`any,
`upon
`
`CUMMINGS,
`"JOHN
`and
`INC,
`last
`two
`the
`names
`fictitious,
`being
`or occupants,
`intended
`tenants
`being
`lien
`or claiming
`an interest
`or
`in,
`having
`the premises
`described
`in the
`complaint,
`
`JR., ELANT
`DOE"
`and
`
`AT
`"JANE
`said
`if
`
`Defendant(s).
`
`Defendant
`
`Abraham
`
`Cummings,
`
`Jr.,
`
`Pro
`
`Se,
`
`answers
`
`the
`
`complaint
`
`in this
`
`proceeding
`
`as
`
`follows:
`
`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
`
`pf
`
`Lack
`
`of Standing:
`
`Plaintiff,
`
`upon
`
`infonnation
`
`and
`
`belief,
`
`was
`
`not
`
`the
`
`legal
`
`owner
`
`of
`
`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.
`
`1 of 11
`
`
`
`FILED: ORANGE COUNTY CLERK 04/25/2024 03:28 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. EF008539-2023
`
`RECEIVED NYSCEF: 04/25/2024
`
`ÓForeclosure
`
`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.
`
`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
`
`action
`
`than
`
`after
`
`this
`
`more
`
`six years
`
`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
`
`process
`
`in this
`
`action
`
`for
`
`the
`
`following
`
`Law
`
`and Rules
`
`reason(s): J faA.ç
`
`§ 308):
`
`I was
`
`not
`
`,//
`
`/ yr
`
`properly
`S)(cid:4)rund/
`
`served
`
`with
`
`o
`
`Prior
`
`Action
`
`(NY
`
`Real
`
`Actions
`
`Pending
`
`Property
`
`and Proceedings
`
`Law
`
`§ 1301):
`
`Plaintiff
`
`impermissibly
`
`commenced
`
`this
`
`action
`
`because
`
`there
`
`is a prior
`
`pending
`
`action
`
`to recover
`
`all or
`
`part
`
`of
`
`the mortgage
`
`debt.
`
`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
`
`o
`
`Reverse
`
`Mortgage-Notice
`
`Requirements:
`
`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
`
`Plaintiff
`
`failed
`
`to comply
`
`with
`
`the
`
`notice
`
`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 11
`
`
`
`FILED: ORANGE COUNTY CLERK 04/25/2024 03:28 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. EF008539-2023
`
`RECEIVED NYSCEF: 04/25/2024
`
`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
`
`charges.
`
`accordingly,
`
`as a matter
`
`and
`
`public
`
`should
`
`not
`
`be
`
`property
`
`Plaintiff,
`
`perrnitted
`
`to foreclose.
`
`of equity
`
`policy,
`
`o
`
`Reverse
`
`Mortgage-NY
`
`Real
`
`Property
`
`Law § 280-b:
`
`Plaintiff
`
`upon
`
`information
`
`and
`
`belief,
`
`violated
`
`the
`
`requirements
`
`and/or
`its predecessor-in
`of NY Real
`
`Property
`
`Law
`
`interest,
`
`§ 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
`
`defense
`
`also
`
`supports
`
`the
`
`separately
`
`pleaded
`
`counterclaim
`
`for
`
`action,
`under NY Real
`
`damages
`
`Property
`
`Law
`
`§ 280-b.
`
`Predicate
`
`Notices/Conditions
`
`Precedent
`
`pr 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.
`
`Ó90-Day
`
`Notice
`
`Requirement
`
`(NY
`
`Real
`
`Property
`
`Plaintiff
`
`failed
`
`to comply
`
`with
`
`the
`
`requirements
`
`Actions
`and Proceedings
`of NY Real
`
`Property
`
`Actions
`
`Law
`
`§ 1304):
`
`and
`
`Proceedings
`
`Law
`
`§ 1304,
`
`a condition
`
`precedent
`
`to this
`
`foreclosure
`
`action.
`
`(NY
`
`ca
`
`90-Day
`
`Plaintiff
`
`§ 1306,
`
`Notice
`
`Filing
`
`Requirement
`
`Real
`
`failed
`
`to comply
`
`with
`
`the requirements
`
`Property
`of NY Real
`
`and Proceedings
`
`Law
`
`§ 1306):
`
`Property
`
`and Proceedings
`
`Law
`
`a condition
`
`precedent
`
`to this
`
`foreclosure
`
`action.
`
`E
`
`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 11
`
`
`
`FILED: ORANGE COUNTY CLERK 04/25/2024 03:28 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. EF008539-2023
`
`RECEIVED NYSCEF: 04/25/2024
`
`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):
`
`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.
`
`Estate
`
`Settlement
`
`Procedures
`
`Act
`
`Pre-Foreclosure
`
`Review
`
`Requirement
`
`Real
`
`(12 C.F.R.
`
`§ 1024.41):
`
`Plaintiff
`
`impermissibly
`
`filed
`
`this
`
`foreclosure
`
`during
`
`the pre-foreclosure
`
`review
`
`period
`
`because
`
`(check
`
`one
`
`or both
`
`if applicable):
`
`üPlaintiff
`
`commenced
`
`this
`
`action
`
`before my loan was more
`
`than
`
`120 days
`
`delinquent.
`
`I submitted
`
`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,
`
`(3) before
`
`(2) before
`
`the time
`
`period
`
`to appeal
`
`the
`
`loan
`
`servicer's
`
`decision
`
`lapsed,
`
`or
`
`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
`
`the Federal
`
`by
`
`Housing
`
`Administration.
`
`Upon
`
`information
`
`with
`
`regulations
`
`of
`
`the Department
`
`and
`
`belief,
`
`of Housing
`
`the
`
`loan
`
`servicer/mortgagee
`
`has not
`
`complied
`
`and Urban
`
`Development
`
`because
`
`the
`
`loan
`
`4
`
`4 of 11
`
`
`
`FILED: ORANGE COUNTY CLERK 04/25/2024 03:28 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. EF008539-2023
`
`RECEIVED NYSCEF: 04/25/2024
`
`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).
`
`ÓAttempt
`
`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).
`
`me
`
`for
`
`loss mitigation
`
`before
`
`four
`
`installments
`
`due
`
`under
`
`the
`
`Evaluate
`
`full monthly
`
`mortgage
`
`were
`
`unpaid
`
`(24 C.F.R.
`
`§ 203.605).
`
`ÓWait
`
`until
`
`three
`
`full monthly
`
`installments
`
`due
`
`under
`
`the mortgage
`
`were
`
`unpaid
`
`before
`
`commencing
`
`this
`
`foreclosure
`
`action
`
`(24 C.F.R.
`
`§ 203.606).
`
`******
`
`ÓCertificate
`
`of Merit
`
`Requirement
`
`(NY
`
`Civil
`
`Practice
`
`Law
`
`and Rules
`
`§ 3012-b):
`
`Upon
`
`information
`NY Civil
`
`and
`
`belief,
`
`Plaintiff
`
`failed
`
`to comply
`
`with
`
`the Certificate
`
`of Merit
`
`requirements
`
`of
`
`Practice
`
`Law
`
`and Rules
`
`§ 3012-b.
`
`(NY
`
`Rules
`
`and Regulations
`
`Title
`
`o
`
`Request
`
`for
`
`Judicial
`
`Intervention
`
`Codes,
`
`22,
`
`§ 202.12-
`
`a(b)):
`
`Upon
`
`information
`
`and
`
`belief,
`
`Plaintiff
`
`did
`
`not
`
`file
`
`a Request
`
`for
`
`Judicial
`
`Intervention.
`
`ÓExcessive
`
`Interest
`
`and
`
`Fees
`
`(NY
`
`Civil
`
`Practice
`
`Law
`
`and Rules
`
`foreclosure
`
`action,
`
`Plaintiff
`
`failed
`
`to negotiate
`
`in good
`
`faith
`
`pursuant
`
`In a prior
`
`§ 3408(f)):
`to CPLR 3408(f).
`
`This
`
`failure
`
`to negotiate
`
`in good
`
`faith
`
`has
`
`caused
`
`excessive
`
`interest
`
`and
`
`fees
`
`to accrue
`
`which
`
`to recover.
`
`Plaintiff,
`
`as a matter
`
`of equity
`
`and
`
`by operation
`
`of
`
`the CPLR,
`
`is not
`
`entitled
`
`ÓExcessive
`
`Interest
`
`(NY
`
`Civil
`
`Practice
`
`Law
`
`and Rules
`
`§ 5001(a)):
`
`Plaintiff
`
`has unreasonably
`
`delayed
`
`filing
`
`this
`
`action,
`
`failed
`
`to file
`
`the Request
`
`for
`
`Judicial
`
`Intervention
`
`or engaged
`
`other
`
`dilatory
`
`conduct
`
`causing
`
`excessive
`
`toll,
`
`as a matter
`
`of equity
`
`and
`
`pursuant
`
`interest
`to NY Civil
`
`to accrue
`
`which
`
`the Court
`
`may
`
`reduce
`
`Practice
`
`Law
`
`and Rules
`
`§ 5001(a).
`
`in
`
`or
`
`5
`
`5 of 11
`
`
`
`FILED: ORANGE COUNTY CLERK 04/25/2024 03:28 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. EF008539-2023
`
`RECEIVED NYSCEF: 04/25/2024
`
`o
`
`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
`
`with
`
`federal
`
`or New York
`
`loss
`
`to comply
`
`State
`
`law requiring
`
`forbearance
`
`and
`
`mitigation
`
`programs
`
`for
`
`borrowers
`
`affected
`
`or
`
`commenced
`
`this
`
`action
`
`in violation
`
`of
`
`federal
`
`impacted
`
`by
`or New York
`
`the Coronavirus
`
`pandemic,
`
`or
`
`it
`
`State
`
`law imposing
`
`moratoriums
`
`on the
`
`commencement
`
`of
`
`residential
`
`foreclosure
`
`actions,
`
`or otherwise
`
`in violation
`
`of
`
`any
`
`applicable
`
`Executive
`
`Order
`
`promulgated
`
`by
`
`the Govemor
`
`of
`
`the State
`
`of New York
`
`or
`
`Administrative
`
`Orders
`
`promulgated
`
`by
`
`the Chief
`
`Administrative
`
`Judge
`
`of
`
`the State
`
`of New
`
`York.
`
`6
`
`6 of 11
`
`
`
`FILED: ORANGE COUNTY CLERK 04/25/2024 03:28 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. EF008539-2023
`
`RECEIVED NYSCEF: 04/25/2024
`
`Equitable
`
`Defenses
`
`ÓUnclean
`
`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
`
`recovery
`
`in this
`
`action
`
`for
`
`the
`
`following
`
`reason(s):
`
`/ÓÓJAS
`
`is barred
`and
`/?fµ¼¢A^
`
`from
`
`/v/
`
`COUNTERCLAIMS
`
`ÓQuiet
`
`Title/Cancel
`
`and Discharge
`
`the Mortgage:
`
`The
`
`statute
`
`of
`
`limitations
`
`for
`
`commencement
`
`of
`
`this
`
`foreclosure
`
`action
`
`on the
`
`subject
`
`mortgage
`
`has
`
`expired
`
`because
`
`Plaintiff,
`
`this
`
`action
`
`more
`
`than
`
`six years
`
`after
`
`it accelerated
`
`the
`
`upon
`
`information
`
`and
`
`belief,
`
`commenced
`
`mortgage
`
`debt.
`
`Plaintiff
`
`is not
`
`in possession
`
`of
`
`the mortgaged
`
`property
`
`and
`
`I am the
`
`owner
`
`of
`
`the
`
`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).
`
`o
`
`Violations
`
`of NY Real
`
`Property
`
`and/or
`
`its predecessor-in-interest's
`
`Law § 280-b:
`I have
`of NY Real
`
`violations
`
`been
`
`injured
`
`reason
`
`of Plaintiff's
`
`by
`
`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
`
`7
`
`7 of 11
`
`
`
`FILED: ORANGE COUNTY CLERK 04/25/2024 03:28 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. EF008539-2023
`
`RECEIVED NYSCEF: 04/25/2024
`
`damages,
`
`in addition
`
`to reasonable
`
`attorneys'
`
`fees
`
`if
`
`I
`
`retain
`
`an attorney,
`
`in an amount
`
`to be
`
`proven
`
`at
`
`trial.
`
`ÓAttorney's
`
`Fees
`
`(NY
`
`Real
`
`Property
`
`Law § 282):
`
`If
`
`I
`
`retain
`
`counsel,
`
`I am entitled
`
`to recover
`
`my attorney's
`
`fees
`
`in defending
`
`this
`
`action
`
`pursuant
`
`to New York
`
`Real Property
`
`Law § 282.
`
`ÓOther
`
`Defenses
`
`or Counterclaims
`
`(attach
`
`additional
`
`pages
`
`if needed):
`
`Dated:
`
`April
`
`24,
`
`2024
`
`Goshen,
`
`New York
`
`(Defendant's
`
`signature)
`
`Abraham
`
`Cummings,
`(Print defendant's name)
`
`Jr.
`
`4 N. Carpenter
`
`Ave.
`
`(Defendant's
`
`street address)
`NY 12550
`
`city, state, zip code)
`
`repared
`
`with
`
`the assistance
`
`of counsel
`
`admitted
`
`in New York.
`
`Newburgh,
`(Defendant's
`
`8
`
`8 of 11
`
`
`
`FILED: ORANGE COUNTY CLERK 04/25/2024 03:28 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. EF008539-2023
`
`RECEIVED NYSCEF: 04/25/2024
`
`SUPREME
`COUNTY
`
`COURT
`OF THE
`OF ORANGE
`
`STATE
`
`OF NEW YORK
`
`NATIONAL
`WILMINGTON
`ASSOCIATION,
`TRUST,
`TRUSTEE
`TO CITIBANK,
`AS SUCCESSOR
`N.A.
`FOR SACO I TRUST
`TRUSTEE
`2006-9,
`MORTGAGE-BACKED
`CERTIFICATES,
`SERIES
`2006-9,
`
`AS
`
`No.
`Index
`EF008539-2023
`VERIFICATION
`
`Plaintiff,
`
`v.
`
`ABRAHAM
`FISHKILL,
`DOE,"
`
`parties
`
`any,
`upon
`
`JR., ELANT
`CUMMINGS,
`DOE"
`"JOHN
`and
`and
`INC,
`names
`two
`last
`the
`fictitious,
`being
`or occupants,
`tenants
`intended
`being
`lien
`an interest
`or
`or claiming
`in,
`having
`in the
`described
`the premises
`complaint,
`
`AT
`"JANE
`said
`if
`
`Defendant(s).
`
`State
`
`of New York
`
`County
`
`of Orange
`
`}
`
`}
`
`I, Abraham
`my knowledge,
`be true.
`
`Cummings,
`except
`
`state
`sworn,
`Jr., being
`duly
`alleged
`as to those matters
`
`that
`upon
`
`the within
`information
`
`Answer
`and
`
`to the best
`is true
`which
`I believe
`
`belief,
`
`of
`
`to
`
`Swom to and
`a A day
`of
`
`subscribed
`Y d
`$
`
`before
`
`me this
`, 20 'atL
`
`Notary
`
`P
`
`(Signat
`
`ne)
`
`(cid:12)
`
`'""""""""
`
`o
`
`..
`
`""""""""
`
`9
`
`9 of 11
`
`
`
`FILED: ORANGE COUNTY CLERK 04/25/2024 03:28 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. EF008539-2023
`
`RECEIVED NYSCEF: 04/25/2024
`
`SUPREME
`COUNTY
`
`COURT
`OF THE
`OF ORANGE
`
`STATE
`
`OF NEW Y ORK
`
`NATIONAL
`WILMINGTON
`ASSOCIATION,
`TRUST,
`TRUSTEE
`TO CITIBANK,
`AS SUCCESSOR
`N.A.
`TRUSTEE
`FOR SACO I TRUST
`2006-9,
`MORTGAGE-BACKED
`CERTIFICATES,
`SERIES
`
`2006-9,
`
`AS
`
`Plaintiff,
`
`v.
`
`Index
`No. EF008539-2023
`OF SERVICE
`AFFIRMATION
`
`ABRAHAM
`FISHKILL,
`DOE,"
`
`parties
`
`any,
`upon
`
`having
`the
`
`CUMMINGS,
`"JOHN
`and
`INC,
`names
`last
`two
`the
`fictitious,
`being
`or occupants,
`tenants
`intended
`being
`an interest
`in, or
`or claiming
`in the
`premises
`described
`complaint,
`
`JR., ELANT
`DOE"
`and
`
`AT
`"JANE
`said
`if
`
`lien
`
`Defendant(s).
`
`I, Yasmin
`
`C. Disla,
`
`pursuant
`
`to CPLR
`
`§ 2106,
`
`affirm
`
`as follows:
`
`I am over
`a party
`not
`of age,
`18 years
`York. My business
`is 59 Windsor
`address
`
`to the within
`
`Highway,
`
`proceeding,
`New Windsor,
`
`and reside
`NY 12553.
`
`in the State
`
`of New
`
`On
`Cummings,
`adequate
`Postal
`U.S.
`below:
`
`by
`
`Jr.
`postage
`Service
`
`first-class
`
`, 2024,
`in an
`thereon,
`in New York
`
`Aldridge
`Attomeys
`40 Marcus
`200
`Suite
`
`LLP
`Pite
`for Plaintiff
`Drive
`
`I
`
`served
`
`by mailing
`official
`depository
`State
`addressed
`
`a true
`true
`
`copy
`copies
`under
`to each
`
`a Verified
`of
`thereof
`in
`exclusive
`the
`of
`the persons
`
`Answer
`a post-paid
`care
`and
`custody
`the addresses
`at
`
`Abraham
`of
`wrapper
`with
`of
`the
`forth
`
`set
`
`Inc.
`
`Elant
`at Fishkill,
`46 Harriman
`Drive
`NY 10924
`
`Goshen,
`
`1
`
`10 of 11
`
`
`
`FILED: ORANGE COUNTY CLERK 04/25/2024 03:28 PM
`NYSCEF DOC. NO. 17
`
`INDEX NO. EF008539-2023
`
`RECEIVED NYSCEF: 04/25/2024
`
`Melville,
`I affirm
`which
`document
`
`may
`
`under
`
`NY 10170
`this 2'_2th
`of April,
`under
`of perjury
`the penalties
`2024,
`day
`and
`include
`a fine
`or
`is true,
`that
`the
`imprisonment,
`may
`foregoing
`in an action
`be filed
`or proceeding
`in a court
`law.
`
`of New York,
`laws
`the
`I understand
`that
`this
`
`of
`
`as
`
`C.
`
`2
`
`11 of 11
`
`