FILED: ROCKLAND COUNTY CLERK 04/06/2024 11:06 AM
`NYSCEF DOC. NO. 26
`
`INDEX NO. 036595/2023
`
`RECEIVED NYSCEF: 04/06/2024
`
`OF THE STATE
`COURT
`SUPREME
`OF ROCKLAND
`COUNTY
`--------------------------------------------------------------------X
`FORETHOUGHT
`INSURANCE
`LIFE
`
`OF NEW YORK
`
`COMPANY,
`
`Plaintiff,
`
`-against-
`
`Index
`
`No.
`
`EF036595/2023
`
`VERIFIED
`
`ANSWER
`
`LEE
`
`fictitious,
`and
`
`any
`
`of
`
`PAMELA
`156 GRANDVIEW
`AVENUE
`LLC,
`BROWN LEE A/K/A
`BROWN
`PAMELA
`A/K/A
`PAMELA
`BROWN
`PAMELA
`BROWN-LEE
`A/K/A
`ROCKLAND
`COUNTY
`COMMERCIAL
`LENDER
`LLC,
`NEW YORK STATE
`DEPARTMENT
`CLERK'S
`OFFICE,
`DOE"
`AND FINANCE
`AND
`"JOHN
`OF TAXATION
`DOE"
`the
`it being
`"JANE
`said
`names
`being
`all
`intention
`of Plaintiff
`to designate
`occupants
`premises
`foreclosed
`
`being
`
`herein,
`
`Defendants,
`_____________________________________________________________________Ç
`
`The
`
`defendant,
`
`156 GRANDVIEW
`
`AVENUE,
`
`LLC,
`
`AND
`
`PAMELA
`
`BROWN
`
`LEE
`
`the
`
`complaint
`
`of
`
`the
`
`plaintiff
`
`herein,
`
`respectfully
`
`alleges
`
`upon
`
`information
`
`and
`
`belief
`
`as
`
`answering
`
`follows:
`
`FIRST:
`
`Denies
`
`any
`
`knowledge
`
`or
`
`information
`
`thereof,
`
`sufficient
`
`to form
`
`a belief
`
`as to the
`
`truth
`
`of
`
`the
`
`allegations
`
`contained
`
`in the
`
`paragraphs
`
`of
`
`the
`
`complaint
`
`designated
`
`"3",
`
`"4",
`
`"5",
`
`"1",
`
`"2",
`
`"8",
`
`"11",
`
`"14",
`
`"15",
`
`"17",
`
`"18",
`
`"19",
`
`"20",
`
`"21",
`
`"22",
`
`"23",
`
`"24","26","28",
`
`"29",
`
`"30",
`
`"32",
`
`"34",
`
`"35",
`
`"36",
`
`"37",
`
`"39",
`
`"40"
`
`and
`
`leaves
`
`all
`
`questions
`
`of
`
`fact
`
`and
`
`law to this
`
`honorable
`
`court.
`
`SECOND:
`
`Denies
`
`each
`
`and
`
`every
`
`allegation
`
`in the
`
`paragraphs
`
`of
`
`the
`
`complaint
`
`designated
`
`as
`
`follows:"6",
`
`"7",
`
`"9","10",
`
`"12",
`
`"13",
`
`"16",
`
`"25",
`
`"27",
`
`"33",
`
`"38"
`
`and
`
`"41".
`
`AS AND FOR A FIRST
`AFFIRMATIVE
`DEFENDANT
`UPON INFORMATION
`ALLEGES
`
`DEFENSE
`AND BELIEF
`
`THIRD:
`
`Plaintiffs
`
`complaint
`
`fails
`
`to set
`
`forth
`
`a cause
`
`of action.
`
`1
`
`1 of 7
`
`

`

`FILED: ROCKLAND COUNTY CLERK 04/06/2024 11:06 AM
`NYSCEF DOC. NO. 26
`
`INDEX NO. 036595/2023
`
`RECEIVED NYSCEF: 04/06/2024
`
`AS AND FOR A SECOND
`AFFIRMATIVE
`DEFENDANT
`UPON INFORMATION
`ALLEGES
`
`DEFENSE
`AND BELIEF
`
`FOURTH:
`
`Plaintiff
`
`has
`
`breached
`
`the
`
`terms
`
`and
`
`conditions
`
`of
`
`the mortgage
`
`instrument
`
`to the
`
`detriment
`
`of
`
`the
`
`answering
`
`defendants.
`
`AS AND FOR A THIRD
`AFFIRMATIVE
`DEFENDANT
`UPON INFORMATION
`ALLEGES
`
`DEFENSE
`AND BELIEF
`
`FIFTH:
`
`Plaintiff
`
`is not
`
`owed
`
`said
`
`amount
`
`set
`
`forth
`
`in the
`
`complaint.
`
`AS AND FOR A FOURTH
`AFFIRMATIVE
`DEFENDANT
`UPON INFORMATION
`ALLEGES
`
`DEFENSE
`AND BELIEF
`
`SIXTH:
`
`The
`
`plaintiff
`
`has
`
`failed
`
`to
`
`comply
`
`with
`
`and
`
`is
`
`in
`
`violation
`
`of
`
`the
`
`Deceptive
`
`Practices
`
`Act
`
`in General
`
`Business
`
`Law section
`
`349.
`
`AS AND FOR A FIFTH
`AFFIRMATIVE
`DEFENDANT
`UPON INFORMATION
`ALLEGES
`
`DEFENSE
`AND BELIEF
`
`SEVENTH:
`
`State
`
`The
`
`plaintiff
`
`has
`
`violated
`
`sections
`
`6-1 and
`
`6-m of
`
`the New
`
`York
`
`Banking
`
`Law and
`
`section
`
`1304
`
`of
`
`the NYS
`
`Real
`
`Property
`
`and Procedures
`
`Law.
`
`AS AND FOR A SIXTH
`AFFIRMATIVE
`DEFENDANT
`UPON INFORMATION
`ALLEGES
`
`DEFENSE
`AND BELIEF
`
`EIGHTH:
`
`The
`
`Plaintiff
`
`lacks
`
`jurisdiction
`
`over
`
`the
`
`defendant
`
`Pamela
`
`Brown
`
`Lee.
`
`Plaintiff
`
`has
`
`failed
`
`to properly
`
`serve
`
`the
`
`said
`
`defendant.
`
`AS AND FOR A SEVENTH
`AFFIRMATIVE
`UPON INFORMATION
`DEFENDANT
`ALLEGES
`
`DEFENSE
`AND BELIEF
`
`NINETH:
`
`The
`
`Plaintiff's
`
`claims
`
`against
`
`the
`
`Defendants
`
`are
`
`barred
`
`by
`
`the
`
`doctrines
`
`of
`
`waiver
`
`and
`
`estoppel.
`
`2
`
`2 of 7
`
`

`

`FILED: ROCKLAND COUNTY CLERK 04/06/2024 11:06 AM
`NYSCEF DOC. NO. 26
`
`INDEX NO. 036595/2023
`
`RECEIVED NYSCEF: 04/06/2024
`
`AS AND FOR AN EIGHTH
`AFFIRMATIVE
`UPON INFORMATION
`DEFENDANT
`ALLEGES
`
`DEFENSE
`AND BELIEF
`
`TENTH:
`
`The
`
`plaintiff's
`
`claims
`
`are barred
`
`the Statute
`
`of Frauds.
`
`by
`
`AS AND FOR A NINTH
`AFFIRMATIVE
`DEFENDANT
`UPON INFORMATION
`ALLEGES
`
`DEFENSE
`AND BELIEF
`
`ELEVENTH:
`
`The mortgage
`
`is
`
`unenforceable,
`
`either
`
`in whole,
`
`or
`
`in
`
`part,
`
`pursuant
`
`to
`
`the
`
`doctrine
`
`of
`
`unclean
`
`hands
`
`and
`
`said mortgage
`
`foreclosure
`
`has
`
`been
`
`commenced
`
`in violation
`
`of
`
`the NYS
`
`moratorium
`
`imposed
`
`on
`
`commercial
`
`and
`
`residential
`
`mortgage
`
`foreclosures,
`
`inter
`
`alia,
`
`Executive
`
`order
`
`202.28
`
`and
`
`202.57
`
`and
`
`all
`
`other
`
`Executive
`
`Orders,
`
`rules,
`
`statutes,
`
`and
`
`directives
`
`all
`
`imposed
`
`due
`
`to
`
`Covid-19.
`
`AS AND FOR DEFENDANT'S
`DEFENDANT
`ALLEGES
`
`TENTH
`AFFIRMATIVE
`UPON INFORMATION
`
`DEFENS
`AND BELIEF
`
`TWELFTH:
`
`The
`
`Plaintiff
`
`has
`
`failed
`
`to comply
`
`with
`
`the
`
`condition's
`
`precedent
`
`in the mortgage
`
`no
`
`notice
`
`of default
`
`was
`
`received
`
`the Defendants.
`
`in that
`
`30-day
`
`by
`
`AS AND FOR DEFENDANT'S
`DEFENDANT
`ALLEGES
`
`ELEVENTH
`AFFIRMATIVE
`DEFENSE
`UPON INFORMATION
`AND BELIEF
`
`THIRTEENTH:
`
`Plaintiff
`
`has
`
`failed
`
`to
`
`comply
`
`with
`
`the
`
`requirements
`
`of NY Real
`
`Property
`
`and
`
`Proceedings
`
`Law Section
`
`1304,
`
`the
`
`90-day
`
`notice
`
`requirement,
`
`a condition
`
`precedent
`
`to this
`
`foreclosure
`
`action.
`
`AS AND FOR DEFENDANT'S
`DEFENDANT
`ALLEGES
`
`TWELFTH
`AFFIRMATIVE
`UPON INFORMATION
`
`DEFENSE
`AND BELIEF
`
`FOURTEENTH:
`
`Plaintiff
`
`violated
`
`the
`
`early
`
`intervention
`
`requirements
`
`of
`
`the
`
`Real
`
`Estate
`
`Settlement
`
`and Procedures
`
`Act
`
`(12 C.F.R.
`
`Section
`
`1024.39)
`
`the
`
`loan
`
`servicer
`
`did
`
`not
`
`attempt
`
`to establish
`
`live
`
`contact
`
`with
`
`defendant
`
`to
`
`inform
`
`defendant
`
`of
`
`the
`
`availability
`
`of
`
`loss mitigation
`
`options
`
`and/or
`
`within
`
`45
`
`days
`
`of
`
`defendant's
`
`delinquency
`
`the
`
`loan
`
`servicer
`
`did
`
`not
`
`send
`
`defendant
`
`written
`
`notice
`
`that
`
`3
`
`3 of 7
`
`

`

`FILED: ROCKLAND COUNTY CLERK 04/06/2024 11:06 AM
`NYSCEF DOC. NO. 26
`
`INDEX NO. 036595/2023
`
`RECEIVED NYSCEF: 04/06/2024
`
`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.
`
`AS AND FOR DEFENDANT'S
`DEFENDANT
`ALLEGES
`
`AFFIRMATIVE
`DEFENSE
`THIRTEENTH
`AND BELIEF
`UPON INFORMATION
`
`FIFTEENTH:
`
`Plaintiff
`
`has
`
`impermissibly
`
`filed
`
`this
`
`foreclosure
`
`during
`
`the
`
`pre-foreclosure
`
`review
`
`period
`
`in violation
`
`of Section
`
`1024.41
`
`of
`
`the Real
`
`Estate
`
`Settlement
`
`Procedures
`
`Act
`
`because
`
`the
`
`action
`
`was
`
`commenced
`
`before
`
`defendant's
`
`loan
`
`was more
`
`than
`
`120
`
`days
`
`delinquent
`
`and/or
`
`defendant
`
`has
`
`submitted
`
`a complete
`
`loss mitigation
`
`application
`
`to
`
`her
`
`loan
`
`servicer
`
`but
`
`plaintiff
`
`has
`
`commenced
`
`this
`
`action
`
`before
`
`the
`
`loan
`
`servicer
`
`made
`
`a decision
`
`on
`
`that
`
`application,
`
`before
`
`the
`
`time
`
`period
`
`to
`
`(1)
`
`(2)
`
`appeal
`
`the
`
`loan
`
`servicer's
`
`decision
`
`lapsed
`
`or
`
`(3)
`
`before
`
`the
`
`loan
`
`servicer
`
`made
`
`a decision
`
`on
`
`an appeal
`
`defendant
`
`has
`
`submitted
`
`in connection
`
`with
`
`the
`
`loss mitigation
`
`application.
`
`AS AND FOR DEFENDANT'S
`DEFENDANT
`ALLEGES
`
`FOURTEENTH
`DEFENSE
`AFFIRMATIVE
`UPON INFORMATION
`AND BELIEF
`
`SIXTEENTH:
`
`Plaintiff
`
`lacks
`
`standing
`
`as it was
`
`never
`
`properly
`
`assigned
`
`the
`
`note
`
`and mortgage
`
`and
`
`is not
`
`a proper
`
`mortgagee
`
`of
`
`record.
`
`AS AND FOR DEFENDANT'S
`
`FIFTHTEENTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`DEFENDANT
`
`ALLEGES
`
`UPON INFORMATION
`
`AND BELIEF
`
`SEVENTEENTH:
`
`The
`
`Plaintiff
`
`is not
`
`in possession
`
`of
`
`the
`
`original
`
`note
`
`and
`
`therefore
`
`does
`
`not
`
`have
`
`the
`
`authority
`
`to bring
`
`this
`
`action.
`
`AS AND FOR DEFENDANT'S
`DEFENDANT
`ALLEGES
`
`SIXTHTEENTH
`AFFIRMATIVE
`DEFENSE
`UPON INFORMATION
`AND BELIEF
`
`EIGHTEENTH:
`
`Defendant
`
`is entitled
`
`to recover
`
`attorney's
`
`fees
`
`for
`
`defending
`
`this
`
`foreclosure
`
`action
`
`pursuant
`
`to New York
`
`Real
`
`Property
`
`Law Section
`
`282.
`
`4
`
`4 of 7
`
`

`

`FILED: ROCKLAND COUNTY CLERK 04/06/2024 11:06 AM
`NYSCEF DOC. NO. 26
`
`INDEX NO. 036595/2023
`
`RECEIVED NYSCEF: 04/06/2024
`
`WHEREFORE,
`
`the
`
`answering
`
`defendant,
`
`156 Grandview
`
`Avenue
`
`LLC and Pamela
`
`Brown
`
`Lee
`
`demand
`
`judgment
`
`dismissing
`
`the
`
`complaint
`
`of
`
`the
`
`plaintiff
`
`herein,
`
`for
`
`the
`
`entry
`
`of
`
`judgment
`
`vacating
`
`the
`
`mortgage
`
`of
`
`record
`
`or
`
`in the
`
`alternative
`
`that
`
`the mortgage
`
`be recast,
`
`together
`
`with
`
`judgement
`
`on its
`
`cross
`
`claim
`
`together
`
`with
`
`the
`
`costs
`
`and
`
`disbursements
`
`of
`
`this
`
`action.
`
`Dated:
`
`April
`
`5, 2024
`Middletown,
`
`New York
`
`By:
`
`JOSÉPH
`
`Attorney
`
`E. R YACK,
`for Defendants
`
`ESÒ.
`-
`156 Grandview
`Brown
`Pamela
`
`LLC
`
`Ave.
`Lee
`
`259
`
`Sands
`
`Road
`New York
`Middletown,
`No.:
`Telephone
`iruyacklaw@gmail.com
`
`10941
`673-5509
`
`(845)
`
`5
`
`5 of 7
`
`

`

`FILED: ROCKLAND COUNTY CLERK 04/06/2024 11:06 AM
`NYSCEF DOC. NO. 26
`
`INDEX NO. 036595/2023
`
`RECEIVED NYSCEF: 04/06/2024
`
`VERIFICATION
`
`STATE
`
`OF NEW YORK)
`
`COUNTY
`
`OF ORANGE
`
`) ss:
`)
`
`The
`GRANDVIEW
`ANSWER
`and
`stated
`to be upon
`
`undersigned,
`AVENUE,
`know
`the
`information
`
`PAMELA
`LLC
`contents
`thereof;
`and belief,
`
`are
`
`BROWN
`LEE
`as
`and
`individually
`read
`herein.
`I have
`defendants
`the
`is tme
`to my knowledge,
`the
`same
`matters,.we
`as to those
`believe
`
`and
`
`sole
`
`LM
`of
`member
`the
`VERD1ED
`the
`foregoing
`as to those
`matters
`except
`true.
`them to by
`
`E make
`
`the foregoing
`
`statements
`
`under
`
`penalties
`
`of perjury.
`
`Dated:
`
`April
`
`_6__, 2024
`
`PAMBLA
`
`BROWN
`
`LEE
`
`: ss.;
`
`) )
`
`)
`
`STATE
`
`OF NEW YORK
`
`COUNTY
`
`OF ORaNGE
`
`On thisHay
`of April
`before
`2024,
`BROWN
`PAMELÃ
`appeared
`to be the
`evidence
`individual
`to me that
`she executed
`or
`individual
`the
`person
`
`personally
`satisfactory
`acknowledged
`
`instrument,
`instrument.
`
`the
`
`me,
`LEE
`personally
`whose
`name
`the
`in her
`same
`eapacity
`behalf
`upon
`of which
`
`the
`
`a nutary
`said
`for
`in and
`public
`undersigned,
`to me on the
`to me or proved
`known
`to the within
`is subscribed
`instrument
`and
`signature
`and
`that
`by her
`on the
`the individual
`acted
`,executed
`the
`
`state,
`basis
`
`of
`
`Notary
`
`Public
`
`CA CC:;WAY
`°
`
`aw York
`
`C.2
`
`My Co
`
`ed n
`94 Count
`ssi:n E p ås
`
`6
`
`6 of 7
`
`

`

`FILED: ROCKLAND COUNTY CLERK 04/06/2024 11:06 AM
`NYSCEF DOC. NO. 26
`
`INDEX NO. 036595/2023
`
`RECEIVED NYSCEF: 04/06/2024
`
`SUPREME
`COUNTY
`
`COURT
`STATE
`OF ORANGE
`
`OF NEW YORK
`
`FORETHOUGHT
`
`LIFE
`
`INSURANCE,
`
`LLC,
`
`Plaintiff,
`
`Against
`
`Index
`
`No.
`
`EF036595/2023
`
`LLC,
`
`AVENUE
`156 GRANDVIEW
`PAMELA
`BROWN-LEE
`A/K/A
`ROCKLAND
`COUNTYCLERK'S
`AND FINANCE
`OF TAXATION
`it being
`of Plaintiff
`intention
`the
`premises
`foreclosed
`
`being
`
`herein,
`
`OFFICE,
`"JOHN
`to designate
`
`any
`
`BROWN A/K/A
`PAMELA
`PAMELA
`LEE
`PAMELA
`BROWNCOMMERCIAL
`A/K/A
`NEW YORK
`DEPARTMENT
`STATE
`DOE"
`DOE"
`AND "JANE
`said
`names
`and
`all
`occupants
`
`of
`
`BROWN LEE
`LENDER
`LLC,
`
`being
`
`fictitious,
`
`Defendants,
`
`VERIFIED
`
`ANSWER
`
`JOSEPH
`
`156 Grandview
`
`Attorney
`Ave.
`259
`
`E. RUYACK
`HI,
`for
`the Defendants
`LLC
`and
`Pamela
`Sands
`Road
`New York
`673-5509
`(845)
`iruvacklaw@gmail.com
`
`Middletown,
`
`19941
`
`ESQ.
`
`Brown
`
`Lee
`
`TAKE
`PLEASR
`April
`5, 2024
`
`dated
`
`Dated:
`
`April
`
`5, 2024
`
`NOTICE,
`
`that
`
`the
`
`within
`
`is a true
`
`copy
`
`of
`
`defendants'
`
`Verified
`
`Answer
`
`THE LAW OFFICE
`
`259
`
`Middletown,
`
`OF JOSEPH
`Road
`Sands
`New York
`673-5509
`(845)
`jruyack@optonline.net
`
`E. RUYACK
`
`IH,
`
`ESQ.
`
`19941
`
`To:
`
`FRIEDMAN
`VARTOLO,
`Ralph
`L. Vartolo,
`Esq.
`Attorneys
`for
`Plaintiff
`1325
`Franklin
`Garden
`
`Avenue,
`New York
`
`City,
`471-5100
`
`(212)
`
`LLP
`
`160
`
`Suite
`11530
`
`7
`
`7 of 7
`
`