FILED: QUEENS COUNTY CLERK 04/19/2024 04:05 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 702837/2024
`
`RECEIVED NYSCEF: 04/19/2024
`FILED
`
`OF THE STATE
`COURT
`SUPREME
`COUNTY
`OF QUEENS
`_____________________________________________________________________
`LLC
`
`PennyMac
`
`Loan
`
`Services,
`
`OF NEW YORK
`
`APR 1 9 2024
`
`coEUExSY CLERK
`
`Index
`
`No.
`
`702837/2024
`
`PRO SE
`VERIFIED
`ANSWER
`TO
`FORECLOSURE
`COMPLAINT
`COUNTERCLAIMS
`
`M AND
`
`Plaintiff
`
`v.
`
`Sean
`
`Phillip,
`
`et. al
`
`Defendants.
`
`Defendant
`follows:
`
`SEAN
`
`PHILLIP
`
`, Pro
`
`Se answers
`
`the
`
`complaint
`
`in this
`
`proceeding
`
`as
`
`I generally
`owner
`of
`
`the
`
`deny
`note
`
`allegation
`each
`and mortgage.
`
`is the
`
`of
`
`the Complaint,
`
`including
`
`any
`
`allegation
`
`that Plaintiff
`
`I plead
`
`the
`
`following
`
`Defenses
`
`and Counterclaims:
`
`DEFENSES
`
`X
`
`and
`belief,
`the
`right
`have
`and
`therefore
`
`the
`
`not
`was
`to enforce
`lacks
`standing.
`
`owner
`legal
`the mortgage,
`
`of
`
`the
`at
`the
`
`X
`
`o
`
`X
`
`Lack
`note
`time
`
`of Standing:
`and/or
`mortgage,
`it commenced
`
`upon
`Plaintiff,
`not
`did
`and
`foreclosure
`
`this
`
`information
`otherwise
`lawsuit
`
`Foreclosure
`
`mortgage,
`to plead
`
`of Action:
`Cause
`which
`is an element
`a foreclosure
`cause
`
`has not
`Plaintiff
`of a foreclosure
`of action.
`
`pleaded
`cause
`
`that
`of action,
`
`it owns
`and
`
`note
`the
`therefore
`
`it
`
`and
`has
`
`failed
`
`Law and Rules
`Practice
`Civil
`(NY
`of Limitations
`Statute
`debt
`because
`the mortgage
`sue on all
`or part
`of
`Plaintiff,
`debt
`the
`six
`years
`after
`commenced
`this
`action
`more
`than
`and
`counterclaim
`to cancel
`supports
`pleaded
`NY Real
`Law § 1501(4).
`and Proceedings
`
`the
`
`separately
`Actions
`Property
`
`Plaintiff
`
`and
`
`§ 213(4)):
`may
`upon
`information
`belief,
`defense
`became
`due, which
`discharge
`the mortgage
`
`not
`
`also
`under
`
`Service
`
`with
`
`of Process
`in this
`
`process
`
`(NY
`action
`
`Civil
`
`Practice
`
`Law
`
`and Rules
`
`for
`
`the
`
`following
`
`reason(s):_A
`
`§ 308):
`
`I was
`summons
`
`not
`
`served
`properly
`a complaint
`and
`
`_were
`
`mailed
`
`to me.
`
`However,
`
`no other
`
`service
`
`of process
`
`was made
`
`at my home._
`
`1 of 7
`
`

`

`FILED: QUEENS COUNTY CLERK 04/19/2024 04:05 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 702837/2024
`
`RECEIVED NYSCEF: 04/19/2024
`
`o
`
`X
`
`o
`
`o
`
`o
`
`Prior
`Plaintiff
`recover
`
`Action
`
`Pending
`impermissibly
`all
`or part
`
`of
`
`(NY Real
`commenced
`the mortgage
`
`Property
`this
`debt.
`
`Law § 1301):
`and Proceedings
`Actions
`action
`because
`there
`is a prior
`pending
`
`action
`
`to
`
`No Default/Payment
`claimed
`otherwise
`
`or Partial
`or
`the
`amounts
`by Plaintiff,
`in default.
`not
`
`Payment:
`claimed
`
`I have
`paid,
`by Plaintiff
`
`in whole
`are not
`
`or
`
`due,
`
`in part,
`or
`the
`
`the
`loan
`
`amounts
`is
`
`Reverse
`
`Mortgages
`
`Reverse
`requirements
`requirements
`action.
`
`Mortgage--Notice
`New York
`under
`of
`the
`reverse
`
`Requirements:
`and/or
`
`mortgage,
`
`Plaintiff
`failed
`law or
`failed
`are conditions
`
`to comply
`to comply
`precedent
`
`notice
`the
`with
`contractual
`with
`foreclosure
`to this
`
`federal
`which
`
`Reverse
`does
`not
`
`Mortgage-Failure
`the
`
`specify
`
`alleged
`
`to Specify
`and/or
`default
`
`Alleged
`the
`
`Default:
`
`amount(s)
`
`The
`plaintiff
`
`complaint
`claims
`
`and
`is vague
`in this
`action.
`
`a Reverse
`on
`The
`purpose
`
`("HECM")
`lenders
`
`Mortgage
`of
`reverse
`program
`have
`other
`
`Charge
`the
`under
`to stay
`citizens
`event
`of alleged
`and
`public
`
`Reverse
`Defaults
`Home
`in their
`failure
`
`policy,
`
`Mortgage-Foreclosure
`is Against
`Policy:
`Public
`Mortgage
`Conversion
`mortgage
`and
`reverse
`charges.
`property
`not
`be permitted
`
`Equity
`homes,
`to pay
`should
`
`Plaintiff,
`to foreclose.
`
`for
`Property
`mortgage
`loans
`is to assist
`senior
`remedies
`in the
`as a matter
`of equity
`
`accordingly,
`
`Mortgage-NY
`upon
`information
`compliance
`on a reverse
`
`Reverse
`in interest,
`Law § 280-b,
`to foreclose
`this
`foreclosure
`for
`damages
`
`Real
`Property
`and
`belief,
`which
`
`Property
`
`with
`loan
`mortgage
`which
`defense
`action,
`under NY Real
`
`Law § 280-b:
`Plaintiff
`violated
`the
`requirements
`is a condition
`precedent
`covered
`that
`by
`also
`supports
`the
`Law § 280-b.
`
`its predecessor-
`and/or
`of NY Real
`to commencing
`mandating
`pleaded
`
`Property
`an action
`dismissal
`of
`counterclaim
`
`statute,
`
`separately
`
`o
`
`X
`
`X
`
`Predicate
`
`Notices/Conditions
`
`Precedent
`
`Notice
`default
`
`of Default:
`Plaintiff
`in my mortgage
`loan
`
`failed
`
`with
`to comply
`a condition
`agreement,
`
`the
`
`requirements
`precedent
`
`for
`
`notice
`the
`foreclosure
`
`of
`action.
`
`to this
`
`Notice
`failed
`
`90-Day
`Plaintiff
`Proceedings
`
`Requirement
`to comply
`Law § 1304,
`
`(NY
`with
`the
`a condition
`
`Real
`Property
`requirements
`precedent
`
`Actions
`of NY Real
`Property
`to this
`foreclosure
`
`and Proceedings
`Actions
`action.
`
`§ 1304):
`
`Law
`and
`
`Prepared
`
`with
`
`assistance
`
`from
`
`Queens
`
`Legal
`
`Services
`
`2
`
`2 of 7
`
`

`

`FILED: QUEENS COUNTY CLERK 04/19/2024 04:05 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 702837/2024
`
`RECEIVED NYSCEF: 04/19/2024
`
`X
`Plaintiff
`
`§ 1306,
`
`Notice
`Filing
`90-Day
`with
`to comply
`failed
`a condition
`precedent
`
`Requirement
`the
`requirements
`to this
`foreclosure
`
`(NY
`
`Real
`Property
`of NY Real
`Property
`action.
`
`Law
`and Proceedings
`and Proceedings
`
`§ 1306):
`Law
`
`in Foreclosure
`for
`Homeowners
`Help
`Law § 1303):
`Plaintiff
`and Proceedings
`Real
`and Proceedings
`Law
`action.
`
`Property
`
`Notice
`failed
`
`§ 1303,
`
`Requirement
`to comply
`a condition
`
`(NY
`the
`with
`precedent
`
`Actions
`Real
`Property
`of NY
`requirements
`to this
`foreclosure
`
`Real
`
`Estate
`
`Settlement
`
`Procedures
`
`Act
`
`Estate
`Real
`§ 1024.39):
`requirements
`applicable):
`
`Settlement
`Procedures
`Upon
`information
`and
`belief,
`of
`the Real
`Estate
`Settlement
`
`Act
`
`Intervention
`Early
`Plaintiff
`violated
`Procedures
`Act
`
`Requirement
`intervention
`(check
`one
`
`the
`early
`because
`
`(12 C.F.R.
`
`or both
`
`if
`
`Within
`live
`
`of my delinquency,
`36 days
`with me to inform
`contact
`
`the
`me about
`
`loan
`the
`
`servicer
`
`did
`
`availability
`
`not
`of
`
`to establish
`attempt
`loss mitigation
`options.
`
`o
`
`X
`
`o
`
`o
`
`X
`
`Within
`notice
`mitigation
`
`mitigation,
`
`of my delinquency,
`45 days
`that
`included
`information
`contact
`options
`available
`from
`the
`and
`a website
`
`listing
`
`housing
`
`the
`
`loan
`for
`
`servicer
`the
`
`did
`
`send me a written
`not
`of
`a description
`loss
`about
`for
`
`applying
`
`loss
`
`servicer,
`information
`servicer,
`counselors.
`
`Real
`C.F.R.
`foreclosure
`
`Estate
`Settlement
`Plaintiff
`§ 1024.41):
`review
`period
`
`Procedures
`
`Act
`
`impermissibly
`because
`(check
`
`Pre-Foreclosure
`filed
`this
`or both
`one
`
`Review
`foreclosure
`if applicable):
`
`Requirement
`pre-
`the
`
`during
`
`(12
`
`o
`
`o
`
`Plaintiff
`delinquent.
`
`commenced
`
`this
`
`action
`
`before
`
`my
`
`loan was more
`
`than
`
`120
`
`days
`
`I submitted
`commenced
`
`application,
`lapsed,
`connection
`
`or
`
`a complete
`this
`action
`before
`(2)
`before
`(3)
`with
`the
`
`loss mitigation
`before
`the
`(1)
`time
`period
`the
`loan
`servicer
`the
`loss mitigation
`
`application
`loan
`servicer
`to appeal
`the
`made
`a decision
`application.
`
`servicer
`to my loan
`made
`a decision
`loan
`servicer's
`on an appeal
`
`but Plaintiff
`on that
`decision
`I submitted
`
`in
`
`Prepared
`
`with
`
`assistance
`
`from
`
`Queens
`
`Legal
`
`Services
`
`3
`
`3 of 7
`
`

`

`FILED: QUEENS COUNTY CLERK 04/19/2024 04:05 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 702837/2024
`
`RECEIVED NYSCEF: 04/19/2024
`
`FHA-Insured
`
`Loans
`
`X
`
`Housing
`has not
`Development
`
`FHA Pre-Foreclosure
`My loan
`the Federal
`is insured
`Requirements:
`by
`loan
`the
`information
`Administration.
`Upon
`servicer/mortgagee
`and
`belief,
`of Housing
`and Urban
`with
`of
`the Department
`complied
`regulations
`loan
`or more
`of
`because
`the
`servicer/mortgagee
`did
`not
`do one
`the
`that
`are
`applicable):
`
`following
`
`(check
`
`all
`
`X
`
`X
`
`o
`
`o
`
`Send me a notice
`of default
`before
`(24 C.F.R.
`§ 203.602).
`
`delinquency
`
`the
`
`end
`
`of
`
`the
`
`second
`
`month
`
`of my
`
`Attempt
`installments
`
`to arrange
`due
`
`a face-to-face
`under
`the mortgage
`
`interview
`were
`
`with me before
`unpaid
`(24 C.F.R.
`
`full monthly
`three
`§ 203.604).
`
`me for
`before
`loss mitigation
`Evaluate
`the mortgage
`were
`unpaid
`(24 C.F.R.
`
`full monthly
`four
`§ 203.605).
`
`installments
`
`due
`
`under
`
`Wait
`before
`
`until
`
`three
`
`commencing
`
`installments
`full monthly
`foreclosure
`action
`this
`
`under
`due
`(24 C.F.R.
`
`the mortgage
`§ 203.606).
`
`were
`
`unpaid
`
`******
`
`o
`
`Certificate
`information
`requirements
`
`of Merit
`and
`belief,
`of NY Civil
`
`Requirement
`Plaintiff
`Practice
`
`(NY
`Civil
`to comply
`failed
`Law and Rules
`
`Law and Rules
`Practice
`with
`the Certificate
`§ 3012-b.
`
`§ 3012-b):
`of Merit
`
`Upon
`
`(NY
`
`Title
`
`Request
`202.12-a(b)):
`Intervention.
`
`for
`
`Judicial
`Upon
`
`Intervention
`information
`
`Codes,
`Plaintiff
`
`and
`
`belief,
`
`Rules
`
`and Regulations
`
`did
`
`not
`
`file
`
`a Request
`
`for
`
`22,
`§
`Judicial
`
`Interest
`
`Fees
`
`Law and Rules
`(NY
`In a prior
`§ 3408(f)):
`Practice
`Civil
`and
`to CPLR
`3408(f).
`in good
`faith
`to negotiate
`Plaintiff
`pursuant
`failed
`action,
`excessive
`interest
`and
`fees
`to accrue
`faith
`has
`caused
`in good
`to negotiate
`of
`as a matter
`of equity
`and
`by operation
`the CPLR,
`entitled
`to
`is not
`
`Plaintiff,
`
`Excessive
`foreclosure
`This
`failure
`which
`recover.
`
`Excessive
`
`may
`Rules
`
`Interest
`delayed
`unreasonably
`in other
`or engaged
`or
`reduce
`§ 5001(a).
`
`(NY
`
`Civil
`
`filing
`dilatory
`as a matter
`
`Practice
`this
`action,
`conduct
`causing
`of equity
`and
`
`Law and Rules
`failed
`to file
`excessive
`pursuant
`
`Plaintiff
`§ 5001(a)):
`for
`Judicial
`the Request
`to accrue
`which
`interest
`to NY Civil
`Law
`Practice
`
`has
`Intervention
`the Court
`and
`
`toll,
`
`o
`
`o
`
`o
`
`o
`
`Commenced
`Action
`commenced
`against
`personal
`representative
`
`Against
`
`a Deceased
`after
`
`Party:
`that
`party
`and
`it should
`
`action
`
`This
`was
`already
`therefore
`
`is a nullity
`deceased
`be dismissed.
`
`because
`and
`before
`
`it was
`a
`
`was
`
`appointed
`
`Prepared
`
`with
`
`assistance
`
`from
`
`Queens
`
`Legal
`
`Services
`
`4
`
`4 of 7
`
`

`

`FILED: QUEENS COUNTY CLERK 04/19/2024 04:05 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 702837/2024
`
`RECEIVED NYSCEF: 04/19/2024
`
`o
`
`o
`
`Failure
`failure
`
`to Join
`to join
`
`Necessary
`a necessary
`
`Party:
`party.
`
`This
`
`action
`
`should
`
`be dismissed
`
`because
`
`of Plaintiff's
`
`Coronavirus
`failed
`Plaintiff
`loss mitigation
`
`pandemic,
`
`imposing
`otherwise
`the State
`Administrative
`
`Moratoriums/Forbearance
`Foreclosure
`or New York
`with
`federal
`to comply
`for
`affected
`borrowers
`or
`programs
`action
`in violation
`it commenced
`or
`this
`of
`moratoriums
`on the
`commencement
`in violation
`of any
`applicable
`Executive
`of New York
`or Administrative
`Orders
`of New York.
`of
`Judge
`the State
`
`State
`impacted
`of
`federal
`residential
`Order
`promulgated
`
`Programs:
`Mitigation
`Loss
`and
`forbearance
`law requiring
`and
`the Coronavirus
`by
`or New York
`foreclosure
`promulgated
`by
`the Chief
`
`State
`
`law
`or
`actions,
`the Governor
`
`of
`
`by
`
`Equitable
`
`Defenses
`
`o
`
`Unclean
`hands
`
`Hands
`and/or
`
`and/or
`
`Unconscionability:
`for
`
`This
`
`the
`
`following
`
`is barred
`action
`reason(s):
`
`by
`
`the
`
`doctrine
`
`of unclean
`
`unconscionability
`
`Implied
`o
`violated
`
`recovery
`
`Covenant
`covenant
`the
`in this
`action
`
`of Good
`of good
`for
`the
`
`Faith
`faith
`and
`
`following
`
`Fair
`
`and
`fair
`dealing
`reason(s):
`
`Dealing:
`implied
`
`Plaintiff
`in all
`
`or
`its predecessor-in-interest
`contracts
`and
`is barred
`
`from
`
`X
`
`Other
`
`Defenses
`
`or Counterclaims
`
`(attach
`
`additional
`
`pages
`
`if needed):
`
`received
`I
`_PennyMac
`reinstatement
`
`a reinstatement
`Loan
`Services
`quote_dated
`
`for
`quote
`in the
`amount
`2/20/24
`from
`
`subject
`the
`of $37,033.92
`Pennymac.
`
`loan
`
`in February
`on 2/21/24
`
`I wired
`2024.
`in accordance
`
`a payment
`with
`the
`
`to
`
`Prepared
`
`with
`
`assistance
`
`from
`
`Queens
`
`Legal
`
`Services
`
`5
`
`5 of 7
`
`

`

`FILED: QUEENS COUNTY CLERK 04/19/2024 04:05 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 702837/2024
`
`RECEIVED NYSCEF: 04/19/2024
`
`COUNTERCLAIMS
`
`Quiet
`and
`Title/Cancel
`Discharge
`of
`commencement
`foreclosure
`this
`upon
`and
`information
`Plaintiff,
`belief,
`the mortgage
`accelerated
`Plaintiff
`debt.
`I am the owner
`and
`of
`the property
`and
`the mortgage
`and
`adjudging
`to NY Real
`pursuant
`Property
`
`discharging
`mortgage
`
`the Mortgage:
`limitations
`statute
`The
`has expired
`mortgage
`action
`on the
`subject
`than
`more
`six
`action
`this
`commenced
`is not
`in possession
`the mortgaged
`of
`to a judgment
`therefore
`am entitled
`the property
`free
`encumbrance
`of any
`Law
`Actions
`and Proceedings
`§ 1501(4).
`
`of
`
`for
`because
`years
`after
`
`property
`cancelling
`such
`by
`
`it
`
`and
`
`o
`
`o
`
`X
`
`Law § 280-b:
`of NY Real
`Violations
`Property
`Plaintiff's
`and/or
`its predecessor-in-interest's
`b or
`the rules
`and
`regulations
`of
`the federal
`Development
`to the home
`relating
`therefore
`entitled
`to recover
`treble
`attorneys'
`fees
`I retain
`an attorney,
`
`if
`
`injured
`been
`I have
`by
`of NY Real
`violations
`Property
`and Urban
`of Housing
`Department
`I am
`program
`and
`conversion
`mortgage
`in addition
`to reasonable
`actual
`damages,
`in an amount
`to be proven
`trial.
`
`reason
`
`of
`Law
`
`§ 280-
`
`at
`
`equity
`and
`
`Attorney's
`recover
`Law
`
`(NY
`Fees
`my attorney's
`§ 282.
`
`Real
`fees
`
`Property
`in defending
`
`Law
`
`§ 282):
`this
`action
`
`If
`
`I retain
`pursuant
`
`I am entitled
`counsel,
`to New York
`Real
`
`to
`
`Property
`
`Defendant
`the Complaint
`that
`requests
`Wherefore,
`of Defendant
`be granted
`on Defendant's
`counterclaims
`attorneys'
`costs
`granted
`and
`fees
`if he or she retains
`other
`relief
`allowed
`law or equity
`as this Court
`
`by
`
`in favor
`judgment
`that
`be dismissed;
`be
`that Defendant
`in their
`entirety;
`and that Defendant
`be granted
`counsel;
`proper.
`deem just
`shall
`and
`
`any
`
`Dated:
`
`Jamaica,
`
`New York
`
`March
`
`25,
`
`2024
`
`(Defendant's
`
`Signature)
`
`(Defendant's
`
`(Defendant's
`
`(Defendant's
`
`Name)
`
`Address)
`
`Address)
`
`(Defendant's
`
`Telephone
`
`Sean
`
`Phillip
`
`177-40
`
`Blvd.
`
`Baisley
`NY 11434
`Jamaica,
`7 / þ
`
`Number)
`
`3Á
`
`9 Prepared
`
`with
`
`the assistance
`
`of counsel
`
`admitted
`
`in New
`
`York.
`
`Prepared
`
`with
`
`assistance
`
`pom Queens
`
`Legal
`
`Services
`
`6
`
`6 of 7
`
`

`

`FILED: QUEENS COUNTY CLERK 04/19/2024 04:05 PM
`NYSCEF DOC. NO. 46
`
`INDEX NO. 702837/2024
`
`RECEIVED NYSCEF: 04/19/2024
`
`VERIFICATION
`
`I, __Sean
`knowledge,
`true
`
`Phillip____
`except
`
`state
`sworn,
`duly
`being
`as to those matters
`alleged
`
`that
`upon
`
`the within
`information
`
`Answer
`and
`
`is true
`
`belief,
`
`of my
`to the best
`which
`I believe
`to be
`
`Sean Phi
`
`i
`
`Sworn
`
`to before me this
`of N\
`( ¼
`
`day
`
`, 20_L
`
`in
`
`SAUDA ANSART
`NOTARY PUBLK. STATF OF NEWYORK
`Resiw:nion No. 01AN6012752
`QuMilial
`in NassauCounty
`n Bi>iles August 31, 20__
`
`Prepared
`
`with
`
`assistance
`
`from
`
`Queens
`
`Legal
`
`Services
`
`7
`
`7 of 7
`
`