`NYSCEF DOC. NO. 109
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 10/26/2022
`
`SUPREME
`COUNTY
`Nationstar
`
`Company,
`
`v.
`
`OF THE
`COURT
`OF SARATOGA
`LLC d/b/a
`Mortgage
`
`STATE
`
`OF NEW YORK
`
`Champion
`
`Mortgage
`
`Plaintiff(s),
`
`TERMS
`
`OF SALE
`
`Index
`
`No.
`
`20157
`
`Montgomery
`Administrator
`Jane Califano;
`The
`Secretary
`Jeffrey
`Scott
`
`Hess;
`Yaksta;
`Scherenberger;
`Stephen
`Hess;
`Hess;
`New York
`Williams;
`Finance,
`
`Limited
`as the
`Treasurer,
`County
`Califano
`of
`the Estate
`of Emily
`The United
`of America
`States
`acting
`of Housing
`and Urban
`Development;
`Mark
`Lawrence
`Hess;
`Hess;
`Hess;
`John
`James
`Hess;
`Dence;
`Dence;
`Deborah
`Kathleen
`Pietrantozzi;
`Alfred
`Williams
`Alfred
`a/k/a
`State Department
`of Taxation
`Defendant(s).
`
`a/k/a
`
`Emily
`through
`Richard
`Elaine
`
`John
`
`Dorothy
`James;
`Robert
`and
`
`The
`
`Premises,
`
`known
`
`as 712
`
`Swaggertown
`
`Road,
`
`Scotia,
`
`NY 12302
`
`(Section
`
`256.
`
`Block
`
`1 Lot
`
`66),
`
`and
`
`described
`
`in the
`
`advertisement
`
`of
`
`the
`
`sale
`
`and
`
`in Exhibit
`
`A annexed
`
`hereto,
`
`will
`
`be
`
`sold
`
`in one
`
`parcel
`
`by
`
`the Referee,
`
`Elena
`
`De Fio Kean,
`
`Esq.,
`
`Hinman
`
`Straub,
`
`P.C.,
`
`upon
`
`the
`
`following
`
`terms:
`
`1.
`
`Ten
`
`percent
`
`of
`
`the
`
`purchase
`
`price
`
`for
`
`the Premises
`
`will
`
`be required
`
`to be paid
`
`for
`
`in cash
`
`at
`
`the
`
`time
`
`and
`
`the
`
`place
`
`of
`
`the
`
`and
`
`for which
`
`a
`
`or by
`
`a certified
`
`check
`
`to the Referee
`
`sale,
`
`receipt
`
`will
`
`be given.
`
`2.
`
`The
`
`balance
`
`of
`
`said
`
`purchase
`
`price
`
`will
`
`be required
`
`to be paid
`
`in cash
`
`or by
`
`a
`
`certified
`
`check
`
`to the Referee
`
`at his
`
`office
`
`at 121 State
`
`Street,
`
`Albany,
`
`NY 12207,
`
`on September
`
`16, 2022,
`
`at 10:00
`
`a.m.,
`
`or any
`
`other
`
`location
`
`agreed
`
`to by
`
`the
`
`referee
`
`when
`
`the Referee's
`
`Deed
`
`will
`
`be delivered.
`
`This
`
`sale
`
`is "Time
`
`of
`
`the
`
`Essence"
`
`in regard
`
`to Purchaser
`
`only.
`
`The Referee
`
`is
`
`not
`
`required
`
`to send
`
`any
`
`notice
`
`to the Purchaser;
`
`and
`
`if purchaser
`
`fails
`
`to call
`
`at
`
`the
`
`time
`
`and
`
`place
`
`above
`
`specified
`
`to pay
`
`the
`
`balance
`
`of
`
`the purchase
`
`price
`
`and
`
`receive
`
`the
`
`deed,
`
`the
`
`14-038653
`
`Terms
`
`of Sale
`
`Page 1 of 6
`
`1 of 6
`
`
`
`FILED: SARATOGA COUNTY CLERK 10/26/2022 11:03 AM
`NYSCEF DOC. NO. 109
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 10/26/2022
`
`Purchaser
`
`shall
`
`be in default.
`
`The
`
`Plaintiff
`
`shall
`
`have
`
`the
`
`option,
`
`in its
`
`sole
`
`discretion
`
`and
`
`without
`
`leave
`
`of
`
`court,
`
`to:
`
`(1)
`
`adjourn
`
`the
`
`closing
`
`at
`
`the
`
`request
`
`of
`
`the
`
`purchaser
`
`at which
`
`time
`
`the purchaser
`
`will
`
`be charged
`
`with
`
`interest
`
`at
`
`the prevailing
`
`judgment
`
`rate
`
`from
`
`the
`
`original
`
`sale
`
`date
`
`(when
`
`the
`
`final
`
`bid was
`
`accepted
`
`by
`
`the
`
`referee)
`
`through
`
`the
`
`eventual
`
`closing
`
`date
`
`on the
`
`whole
`
`amount
`
`of
`
`the
`
`purchase
`
`price
`
`as well
`
`as assuming
`
`responsibility
`
`for
`
`any
`
`and
`
`all
`
`costs
`
`of
`
`the
`
`or
`
`elect
`
`to re-schedule
`
`the
`
`foreclosure
`
`incurred
`
`as a result
`
`of any
`
`adjournment
`
`closing,
`
`(2)
`
`sale
`
`and
`
`the ten
`
`percent
`
`(10%)
`
`deposit
`
`given
`
`by purchaser
`
`to the Referee
`
`will
`
`be retained
`
`by
`
`the
`
`Referee
`
`and
`
`applied
`
`to the
`
`proceeds
`
`of
`
`the
`
`rescheduled
`
`foreclosure.
`
`3.
`
`The
`
`Purchaser
`
`of
`
`the Premises,
`
`at
`
`the
`
`time
`
`and
`
`the
`
`place
`
`of
`
`sale,
`
`shall
`
`sign
`
`a
`
`Memorandum
`
`of his
`
`purchase,
`
`and
`
`an Agreement
`
`to comply
`
`with
`
`the
`
`terms
`
`and
`
`conditions
`
`of
`
`the
`
`Time
`
`is of
`
`the Essence
`
`sale
`
`herein
`
`contained,
`
`and
`
`if a closing
`
`is required
`
`and
`
`the Referee
`
`seeks
`
`and
`
`is awarded
`
`additional
`
`fees
`
`for
`
`said
`
`closing,
`
`those
`
`fees
`
`shall
`
`be paid
`
`the
`
`purchaser.
`
`by
`
`4.
`
`The
`
`bidding
`
`will
`
`be kept
`
`open
`
`after
`
`the
`
`premises
`
`are struck
`
`down,
`
`and,
`
`in case
`
`any
`
`purchaser
`
`shall
`
`fail
`
`to comply
`
`with
`
`any
`
`of
`
`the
`
`above
`
`conditions
`
`of
`
`the
`
`sale,
`
`the
`
`premises
`
`so struck
`
`down
`
`to him will
`
`be again
`
`put
`
`up for
`
`sale,
`
`under
`
`the
`
`direction
`
`of
`
`the Referee,
`
`under
`
`these
`
`same
`
`Terms
`
`of Sale,
`
`without
`
`application
`
`to this Court
`
`(unless
`
`the Attorneys
`
`for
`
`the Plaintiff
`
`shall
`
`elect
`
`to make
`
`such
`
`application);
`
`and,
`
`such
`
`purchaser
`
`will
`
`be held
`
`liable
`
`for
`
`any
`
`deficiency
`
`there may
`
`be between
`
`the
`
`sum for which
`
`said
`
`premises
`
`shall
`
`be struck
`
`down
`
`upon
`
`the
`
`and
`
`the
`
`price
`
`the
`
`sale,
`
`for which
`
`the
`
`premises
`
`may
`
`be purchased
`
`on the
`
`resale,
`
`plus
`
`any
`
`costs
`
`or expenses
`
`incurred
`
`for
`
`such
`
`resale,
`
`and,
`
`upon
`
`the
`
`purchaser's
`
`default,
`
`the bid
`
`deposit
`
`shall
`
`automatically
`
`be forfeited
`
`and
`
`applied
`
`to the
`
`aforesaid
`
`deficiency,
`
`if any.
`
`Such
`
`forfeiture
`
`shall
`
`not
`
`be a waiver
`
`of any
`
`of
`
`the
`
`rights
`
`of
`
`the Plaintiff
`
`to seek
`
`and
`
`obtain
`
`damages
`
`from
`
`the
`
`defaulting
`
`Bidder.
`
`5.
`
`In case
`
`the Plaintiff
`
`shall
`
`be the purchaser,
`
`or
`
`in the
`
`event
`
`that
`
`the
`
`rights
`
`of
`
`the
`
`purchaser
`
`shall
`
`be assigned
`
`to and
`
`be acquired
`
`by
`
`the Plaintiff,
`
`and
`
`a valid
`
`Assignment
`
`thereof
`
`14-038653
`
`Tenns
`
`of Sale
`
`Page 2 of 6
`
`2 of 6
`
`
`
`FILED: SARATOGA COUNTY CLERK 10/26/2022 11:03 AM
`NYSCEF DOC. NO. 109
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 10/26/2022
`
`filed
`
`with
`
`the Referee,
`
`the provisions
`
`of
`
`the
`
`Judgment
`
`of Foreclosure
`
`and Sale
`
`entered
`
`herein,
`
`insofar
`
`as they
`
`relate
`
`to such
`
`a purchase
`
`by or Assignment
`
`to the Plaintiff,
`
`shall
`
`be deemed
`
`included
`
`in these
`
`Terms
`
`of Sale,
`
`with
`
`the
`
`same
`
`force
`
`and
`
`effect
`
`as if
`
`fully
`
`set
`
`forth
`
`at
`
`length.
`
`6.
`
`The
`
`Premises
`
`shall
`
`be sold
`
`in an "as
`
`is"
`
`physical
`
`condition
`
`and
`
`subject
`
`to:
`
`(a)
`
`The
`
`terms
`
`and
`
`provisions
`
`of
`
`the
`
`Judgment
`
`of Foreclosure
`
`and Sale
`
`are
`
`incorporated
`
`by
`
`reference
`
`herein,
`
`with
`
`the
`
`same
`
`effect
`
`as fully
`
`set
`
`forth
`
`herein;
`
`(b)
`
`(c)
`
`mortgaged
`
`Premises;
`
`Any
`
`state
`
`of
`
`facts
`
`an accurate
`
`Survey
`
`would
`
`show;
`
`Covenants,
`
`restrictions
`
`and Easements,
`
`if any,
`
`of
`
`record
`
`affecting
`
`said
`
`(d)
`
`Any
`
`violation
`
`of
`
`record
`
`thereof,
`
`and
`
`to Zoning
`
`Regulations
`
`and
`
`Ordinances
`
`of
`
`the City,
`
`Town,
`
`or Village
`
`in which
`
`said mortgaged
`
`Premises
`
`lie,
`
`and
`
`any
`
`violations
`
`of
`
`record
`
`thereof,
`
`or prior
`
`liens,
`
`if any;
`
`pursuant
`
`to Title
`
`(e)
`
`The
`
`rights,
`
`if any,
`
`of
`
`the United
`
`States
`
`of America,
`
`28,
`
`Section
`
`2410
`
`of
`
`the United
`
`States
`
`Code;
`
`(f)
`
`Any
`
`and
`
`all
`
`tenancies,
`
`possessory
`
`interests
`
`and/or
`
`leases
`
`affecting
`
`said
`
`premises
`
`whether
`
`or not
`
`they
`
`were made
`
`party
`
`defendants;
`
`and
`
`(g)
`
`The
`
`rights
`
`of any
`
`defendants
`
`pursuant
`
`to CPLR
`
`§317,
`
`CPLR
`
`§2003
`
`and
`
`CPLR
`
`§5015,
`
`if any.
`
`7.
`
`No Abstract
`
`of Title,
`
`stub
`
`search,
`
`or
`
`survey
`
`will
`
`be furnished.
`
`All
`
`Title
`
`and/or
`
`of
`
`the
`
`Abstract
`
`recreation
`
`or
`
`redating
`
`charges
`
`are the
`
`responsibility
`
`of
`
`the Purchaser.
`
`All
`
`expenses
`
`of
`
`recording
`
`the Referee's
`
`Deed,
`
`including,
`
`but
`
`not
`
`limited
`
`to, all of
`
`the Deed
`
`stamps,
`
`transfer
`
`taxes,
`
`and
`
`recording
`
`fees,
`
`if any,
`
`shall
`
`be paid
`
`for
`
`the Purchaser.
`
`by
`
`8.
`
`The
`
`Title
`
`Insurance,
`
`if any,
`
`shall
`
`be paid
`
`for
`
`by
`
`the Purchaser.
`
`In the
`
`event
`
`that
`
`the Purchaser
`
`raises
`
`any written
`
`objections
`
`to the Title,
`
`the Plaintiff
`
`shall
`
`have
`
`the
`
`option
`
`of
`
`14-038653
`
`Terms
`
`of Sale
`
`Page 3 of 6
`
`3 of 6
`
`
`
`FILED: SARATOGA COUNTY CLERK 10/26/2022 11:03 AM
`NYSCEF DOC. NO. 109
`.
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 10/26/2022
`
`providing
`
`Fee Title
`
`Insurance
`
`from
`
`a Title
`
`Insurance
`
`Company
`
`of
`
`its
`
`choice,
`
`ensuring
`
`insurable
`
`Title.
`
`The
`
`premium
`
`for
`
`such
`
`a Fee Title
`
`Insurance
`
`Policy
`
`shall
`
`be paid
`
`for
`
`by
`
`the Purchaser.
`
`9.
`
`At
`
`or before
`
`the
`
`time
`
`of making
`
`a bid,
`
`the Bidder,
`
`if other
`
`than
`
`the Plaintiff,
`
`shall
`
`exhibit
`
`to the Referee
`
`cash
`
`or certified
`
`check(s)
`
`for
`
`at
`
`least
`
`ten
`
`percent
`
`(10%)
`
`of
`
`the
`
`amount
`
`of
`
`the
`
`bid
`
`and
`
`also
`
`themselves
`
`with
`
`name,
`
`address,
`
`and
`
`phone
`
`number.
`
`identify
`
`10.
`
`Any
`
`sums
`
`advanced
`
`by Plaintiff
`
`or
`
`its agents
`
`after
`
`the
`
`sale
`
`and
`
`prior
`
`to the
`
`recording
`
`of
`
`the Deed
`
`for
`
`taxes,
`
`inspections,
`
`maintenance,
`
`preservation,
`
`etc.,
`
`shall
`
`be reimbursed
`
`to Plaintiff
`
`at
`
`the
`
`time
`
`of
`
`the
`
`sale
`
`by
`
`the purchaser
`
`of
`
`the
`
`property.
`
`11.
`
`Plaintiff
`
`or
`
`its assignees
`
`shall
`
`not
`
`be responsible
`
`for
`
`any
`
`damage
`
`occurring
`
`to the
`
`property
`
`after
`
`the
`
`foreclosure
`
`sale.
`
`Dated:
`
`De Fio Kean,
`
`Esq.,
`
`Hinman
`
`Str
`
`b, P.C.,
`
`Elena
`Referee
`
`14-038653
`
`Terms
`
`of Sale
`
`Page 4 of 6
`
`4 of 6
`
`
`
`FILED: SARATOGA COUNTY CLERK 10/26/2022 11:03 AM
`NYSCEF DOC. NO. 109
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 10/26/2022
`
`MEMORANDUM
`
`OF SALE
`
`has
`
`this
`
`date
`
`agreed
`
`to purchase
`
`the Premises
`
`described
`
`in the
`
`annexed
`
`printed
`
`advertisement
`
`of
`
`the
`
`sale
`
`for
`
`the
`
`sum of $
`
`for
`
`which
`
`a deposit
`
`of $
`
`has been
`
`received,
`
`and
`
`ses and
`
`agrees
`
`to
`
`with
`
`the
`
`terms
`
`and
`
`conditions
`
`of
`
`the
`
`sale
`
`of
`
`said
`
`Premises,
`
`as above-mentioned
`
`and
`
`set
`
`comply
`
`forth.
`
`Dated:
`
`De Fio Kean,
`
`Esq.,
`
`Hinmah
`
`Straub,
`
`P.C.,
`
`Elena
`Referee
`
`Purchaser
`
`
`name)
`
`Purchaser's
`
`signature
`
`Purchaser's
`
`Telephone
`
`Number
`
`Purchaser's
`
`
`Address
`
`Purchaser's
`
`Address
`
`P
`
`ch
`
`er's Attorney
`
`int Name
`
`6tS)2A+
`Attorney's
`
`9000
`Number
`
`Telephone
`
`orney's
`
`
`A
`
`ress
`
`14-038653
`
`Terms
`
`of Sale
`
`Page 5 of 6
`
`5 of 6
`
`
`
`FILED: SARATOGA COUNTY CLERK 10/26/2022 11:03 AM
`NYSCEF DOC. NO. 109
`
`INDEX NO. 20157
`
`RECEIVED NYSCEF: 10/26/2022
`
`RECEIPT
`
`Received
`
`from
`
`, the
`
`sum of $
`
`,
`
`being
`
`ten
`
`percent
`
`of
`
`the
`
`amount
`
`of
`
`the bid
`
`for
`
`the.pro
`
`sold
`
`by me under
`
`the
`
`Judgment
`
`in the
`
`above-entitled
`
`action.
`
`Dated:
`
`De Fio Kean,
`
`Esq.,
`
`Hinman
`
`Straub,
`
`P.C.,
`
`Elena
`Referee
`
`PLAINTIFF'S
`
`RECEIPT
`
`The
`
`ten
`
`percent
`
`deposit
`
`is waived.
`
`De Fio
`
`Kean,
`
`Esq.,
`
`inman
`
`traub,
`
`P.C.,
`
`Elena
`Referee
`
`LOGS
`
`Barak,
`Attorneys
`
`Name
`Legal
`LLC
`
`q NSHF
`LLP
`f/k/a
`
`Group
`
`Shapiro,
`
`DiCaro
`
`&
`
`for
`
`the Plaintiff
`
`14-038653
`
`Terms
`
`of Sale
`
`Page 6 of 6
`
`6 of 6
`
`