At Part
`the County
`Courthouse
`
`the Supreme
`of
`Court
`of Saratoga,
`at
`the Saratoga
`on the
`thereof,
`. 20____.
`
`day
`
`held
`
`in
`
`of
`
`PRESENT:
`JUSTICE
`
`Hon.
`James
`P. Murphy,
`OF THE
`SUPREME
`
`J.S.C.
`COURT
`
`Mortgage
`
`LLC d/b/a
`
`Champion
`
`Mortgage
`
`INDEX
`
`NO.
`
`20157
`
`Nationstar
`
`Company,
`
`v.
`
`Montgomery
`Administrator
`Jane Califano;
`The
`Secretary
`Jeffrey
`Scott
`
`Hess;
`Yaksta;
`Scherenberger;
`Stephen
`Hess;
`Hess;
`New York
`W(iams;
`Finance,
`
`Limited
`as the
`Treasurer,
`County
`Califano
`of
`the Estate
`of Emily
`The United
`States
`of America
`acting
`and Urban
`of Housing
`Development;
`Lawrence
`Mark
`Hess;
`Hess;
`James
`John
`Hess;
`Dence;
`Deborah
`Kathleen
`a/k/a
`Alfred
`Alfred
`of Taxation
`State
`
`PlaintifKs),
`
`Hess;
`Dence;
`Pietrantozzi;
`Williams
`Department
`
`Defendant(s).
`
`ORDER
`REFEREE
`JUDGMENT
`FORECLOSURE
`
`CONFIRMING
`REPORT
`OF
`
`AND
`
`AND SALE
`
`MORTGAGED
`712
`Swaggertown
`Scotia, NY 12302
`
`PROPERTY:
`Road
`
`a/k/a
`
`Emily
`through
`Richard
`Elaine
`
`Dorothy
`James;
`Robert
`and
`
`John
`
`SBL
`Lot
`
`#: Section
`66
`
`256.
`
`Block
`
`1
`
`Mortgage
`Mortgage
`
`Servicer:
`Corporation
`
`PHH
`
`Mortgage
`866-799-7724
`
`Servicer
`
`Phone
`
`#:
`
`UPON the
`
`Summons,
`
`Complaint,
`
`and Notice
`
`of Pendency
`
`filed
`
`in this
`
`action
`
`on the
`
`5th
`
`day
`
`of
`
`January,
`
`2015,
`
`the Additional
`
`Notice
`
`of Pendency
`
`filed
`
`on the
`
`13th
`
`day
`
`of October,
`
`2017
`
`23rd
`
`of
`
`the
`
`the Supplemental
`
`Smnmans
`
`and Amended
`
`Complaint
`
`filed
`
`on the
`
`day
`
`January,
`
`2020,
`
`Additional
`
`Notice
`
`of Pendency
`
`filed
`
`on the
`
`9th
`
`day
`
`of November,
`
`2020,
`
`the Notice
`
`of Motion
`
`and
`
`affirmation
`
`by Nicole
`
`DiStasio,
`
`Esq.
`
`dated
`
`BA 0t rch
`
`1
`
`1020
`
`the
`
`affidavit
`
`of merit
`
`and
`
`amount
`
`due
`
`by Erin
`
`Naylor,
`
`who
`
`is an Assistant
`
`Secretary
`
`of Nationstar
`
`Mortgage
`
`LLC
`
`d/b/a
`
`Champion
`
`Mortgage
`
`Company,
`
`duly
`
`sworn
`
`to on May
`
`20,
`
`2021,
`
`together
`
`with
`
`the
`
`exhibits
`
`annexed
`
`thereto,
`
`all
`
`in support
`
`of Plaintiff's
`
`motion
`
`for
`
`a Judgment
`
`of Foreclosure
`
`and Sale;
`
`and
`
`14-038653
`
`Judgment
`
`of Foreclosure
`
`and Sale
`
`Page
`
`1 o
`
`

`

`UPON proof
`
`that
`
`each
`
`of
`
`the
`
`defendants
`
`herein
`
`has
`
`been
`
`duly
`
`served
`
`with
`
`the
`
`Summons
`
`and Complaint
`
`and/or
`
`the Supplemental
`
`Summons
`
`and Amended
`
`Complaint
`
`in this
`
`action,
`
`and
`
`has
`
`not
`
`served
`
`any
`
`answer
`
`to the Complaint,
`
`nor
`
`had
`
`their
`
`time
`
`to do so extended;
`
`and
`
`it appearing
`
`that
`
`more
`
`than
`
`the
`
`legally
`
`required
`
`number
`
`of days
`
`has
`
`elapsed
`
`since
`
`defendants,
`
`Montgomery
`
`County
`
`Treasurer,
`
`as the
`
`Limited
`
`Administrator
`
`of
`
`the Estate
`
`of Emily
`
`Califano
`
`a/k/a
`
`Emily
`
`Jane Califano
`
`Hess
`
`and
`
`Hess
`
`and
`
`and
`
`The
`
`United
`
`States
`
`of
`
`America
`
`and
`
`Richard
`
`Hess
`
`and Mark
`
`Jeffrey
`
`Lawrence
`
`Hess
`
`and Elaine
`
`Yaksta
`
`and Scott
`
`Hess
`
`and
`
`John
`
`Dence
`
`and
`
`James
`
`Dence
`
`and Dorothy
`
`Scherenberger
`
`and Deborah
`
`Pietrantozzi
`
`and
`
`Sharon
`
`James
`
`and
`
`Kathleen
`
`James
`
`and
`
`John
`
`Hess
`
`and
`
`Stephen
`
`Hess
`
`and
`
`Alfred
`
`Williams
`
`a/k/a
`
`Alfred
`
`Robert
`
`Williams
`
`and New
`
`York
`
`State
`
`Department
`
`of
`
`Taxation
`
`and
`
`Finance,
`
`were
`
`so
`
`served
`
`and/or
`
`appeared;
`
`and
`
`Plaintiff
`
`having
`
`against
`
`defendants
`
`and
`
`established
`
`to the
`
`court's
`
`satisfaction
`
`that
`
`a judgment
`
`is warranted;
`
`UPON the
`
`affidavit
`
`of mailing
`
`reflecting
`
`compliance
`
`with
`
`CPLR
`
`3215(g)(3)(iii);
`
`and
`
`UPON
`
`proof
`
`that
`
`non-appearing
`
`defendants,
`
`Montgomery
`
`County
`
`Treasurer,
`
`as
`
`the
`
`Limited
`
`Administrator
`
`of
`
`the Estate
`
`of Emily
`
`Califano
`
`a/k/a
`
`Emily
`
`Jane Califano
`
`and Richard
`
`Hess
`
`and Mark
`
`Hess
`
`and
`
`Jeffrey
`
`Hess
`
`and
`
`Lawrence
`
`Hess
`
`and Elaine
`
`Yaksta
`
`and
`
`Scott
`
`Hess
`
`and
`
`John
`
`Dence
`
`and
`
`James
`
`Dence
`
`and Dorothy
`
`Scherenberger
`
`and Deborah
`
`Pietrantozzi
`
`and Sharon
`
`James
`
`a/k/a
`
`Alfred
`
`Robert
`
`and Kathleen
`
`James
`
`and
`
`John
`
`Hess
`
`and
`
`Stephen
`
`Hess
`
`and Alfred
`
`Williams
`
`Williams
`
`and New York
`
`State Department
`
`of Taxation
`
`and Finance,
`
`are not
`
`absent,
`
`in accordahde
`
`with
`
`RPAPL
`
`§1321(2);
`
`and
`
`A Referee
`
`having
`
`been
`
`appointed
`
`to
`
`compute
`
`the
`
`amount
`
`due
`
`to
`
`Plaintiff
`
`upon
`
`the
`
`bond/note
`
`and Home
`
`Equity
`
`Conversion
`
`Mortgage
`
`set
`
`forth
`
`in
`
`the
`
`Complaint
`
`and
`
`to
`
`examine
`
`whether
`
`the mortgaged
`
`property
`
`can
`
`be sold
`
`in parcels;
`
`and
`
`14-038653
`
`Judgment
`
`of Foreclosure
`
`and Sale
`
`Page
`
`2 of
`
`..
`
`.
`
`12
`
`. ;
`
`

`

`UPON reading
`
`and
`
`filing
`
`the Report
`
`of Elena
`
`De Fio
`
`Kean
`
`Esq.
`
`dated
`
`February
`
`9, 2022i
`
`showing
`
`the
`
`sum of $263,784.12
`
`due
`
`as of
`
`the
`
`date
`
`of
`
`said Report
`
`and
`
`that
`
`the mortgaged
`
`property
`
`may
`
`not
`
`be sold
`
`in parcels;
`
`and
`
`UPON proof
`
`of
`
`due
`
`notice
`
`of
`
`this motion
`
`upon
`
`all
`
`parties
`
`entitled
`
`to
`
`receive
`
`same,
`
`and
`
`upon
`
`all
`
`the prior
`
`proceedings
`
`and
`
`papers
`
`filed
`
`herein;
`
`NOW,
`
`on motion
`
`by Nicole
`
`DiStasio,
`
`Esq.,
`
`attorney
`
`for
`
`the Plaintiff,
`
`it
`
`is hereby
`
`ADJUDGED
`
`that
`
`the motion
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`AND DECREED,
`
`is granted;
`
`ORDERED,
`
`ADJUDGED
`
`AND DECREED,
`
`that
`
`the Referee's
`
`Report
`
`be,
`
`and
`
`the
`
`same
`
`is, hereby
`
`in all
`
`respects
`
`ratified
`
`and
`
`confirmed;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED
`
`AND DECREED,
`
`that
`
`the mortgaged
`
`property
`
`described
`
`in
`
`the Complaint
`
`and
`
`as hereafter
`
`described,
`
`or
`
`such
`
`part
`
`thereof
`
`as may
`
`be
`
`sufficient
`
`to
`
`disch
`
`rg'd
`
`the mortgage
`
`debt,
`
`the
`
`expenses
`
`of
`
`the
`
`sale,
`
`and
`
`the
`
`costs
`
`of
`
`this
`
`action
`
`as provided
`
`the RPAPL
`
`by
`
`date
`
`of
`
`this
`
`at a public
`
`auction
`
`at
`
`the Saratoga
`
`be sold within
`
`90 days
`
`of
`
`the
`
`Judgment,
`
`in one parcel,
`
`County
`
`Courthouse,
`
`Ballston
`
`Spa, New York
`
`12020,
`
`by
`
`and
`
`under
`
`the
`
`direction
`
`of Elena
`
`De Fio
`
`Kean,
`
`Esq.,
`
`Hinman
`
`Straub,
`
`P.C.,
`
`121
`
`State
`
`Street,
`
`Albany,
`
`NY 12207,
`
`(518)436-0751
`
`who
`
`is
`
`hereby
`
`appointed
`
`Referee
`
`for
`
`that
`
`purpose;
`
`that
`
`said
`
`Referee
`
`give
`
`public
`
`notice
`
`of
`
`the
`
`time
`
`and
`
`place
`
`of
`
`sale
`
`in accordance
`
`with
`
`RPAPL
`
`§231
`
`in the Saratogian;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJU DGED
`
`AND DECREED,
`
`that
`
`by
`
`accepting
`
`this
`
`appointment,
`
`the
`
`Referee
`
`certifies
`
`that
`
`he/she
`
`is
`
`in
`
`compliance
`
`with
`
`Part
`
`36
`
`of
`
`the Rules
`
`of
`
`the Chief
`
`Judge
`
`(22
`
`NYCRR
`
`Part
`
`36),
`
`including,
`
`but
`
`not
`
`limited
`
`to
`
`§36.2(c)
`
`("Disqualifications
`
`from
`
`appointme
`
`t
`
`and
`
`§36.2
`
`(d)
`
`("Limitations
`
`on
`
`appointments
`
`based
`
`upon
`
`compensation");
`
`and,
`
`if
`
`the Refere(cid:25)E
`
`disqualified
`
`from
`
`receiving
`
`an appointment
`
`pursuant
`
`to the
`
`provisions
`
`of
`
`that
`
`Rule,
`
`the Referee
`
`shall
`
`immediately
`
`notify
`
`the Appointing
`
`Judge;
`
`and
`
`it
`
`is further
`
`14-038653
`
`Judgment
`
`of Foreclosure
`
`and Sale
`
`Page
`
`3 of
`
`12
`
`

`

`ORDERED,
`
`ADJUDGED,
`
`AND
`
`DECREED
`
`that
`
`the
`
`Referee
`
`is
`
`prohibited
`
`from
`
`accepting
`
`or
`
`retaining
`
`any
`
`funds
`
`for
`
`him/herself
`
`or paying
`
`funds
`
`to him/herself
`
`without
`
`compliance
`
`with
`
`Part
`
`36 of
`
`the Rules
`
`of
`
`the Chief
`
`Administrative
`
`Judge;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED,
`
`AND
`
`DECREED
`
`that
`
`the
`
`Referee
`
`· shall
`
`conduct
`
`the
`
`foreclosure
`
`sale
`
`only
`
`if Plaintiff,
`
`its
`
`successors
`
`and/or
`
`assignees,
`
`or
`
`its representative
`
`is present
`
`at
`
`the
`
`or
`
`a written
`
`bid
`
`and Terms
`
`of Sale
`
`from
`
`its
`
`successors
`
`sale
`
`the Referee
`
`has
`
`received
`
`Plaintiff,
`
`and/or
`
`assigns,
`
`or
`
`its
`
`representative;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED,
`
`AND DECREED
`
`that
`
`if
`
`the Referee
`
`does
`
`not
`
`conduct
`
`the
`
`sale
`
`within
`
`90
`
`days
`
`of
`
`the
`
`date
`
`of
`
`the
`
`judgment,
`
`in
`
`accordance
`
`with
`
`CPLR
`
`2004,
`
`the
`
`time
`
`fixed
`
`by
`
`RPAPL
`
`§1351(1)
`
`is extended
`
`for
`
`the Referee
`
`to conduct
`
`the
`
`sale
`
`as soon
`
`as reasonably
`
`practicable;
`
`and
`
`it
`
`is further
`
`AND DECREED
`
`the
`
`time
`
`of
`
`sale
`
`the Referee
`
`si
`
`i0
`
`ORDERED,
`
`ADJUDGED,
`
`that
`
`at
`
`accept
`
`a written
`
`bid
`
`from
`
`the
`
`Plaintiff
`
`or
`
`the
`
`Plaintiff's
`
`attorney,
`
`just
`
`as though
`
`Plaintiff
`
`were
`
`physically
`
`present
`
`to submit
`
`said
`
`bid;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED,
`
`AND DECREED
`
`that
`
`the Referee
`
`shall
`
`accept
`
`the
`
`highest
`
`bid
`
`offered
`
`by
`
`a bidder
`
`who
`
`shall
`
`be
`
`identified
`
`upon
`
`the
`
`court
`
`record,
`
`and
`
`shall
`
`require
`
`that
`
`the
`
`successful
`
`bidder
`
`execute
`
`Terms
`
`of Sale
`
`for
`
`the
`
`purchase
`
`of
`
`the
`
`and
`
`to
`
`immediately
`
`property,
`
`pay
`
`the Referee,
`
`in
`
`cash
`
`or
`
`certified
`
`or
`
`bank
`
`check,
`
`ten
`
`percent
`
`(10%)
`
`of
`
`the
`
`sum bid,
`
`unless
`
`the
`
`successful
`
`bidder
`
`is Plaintiff
`
`in which
`
`case
`
`no deposit
`
`against
`
`the purchase
`
`price
`
`shall
`
`be required;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED,
`
`AND DECREED
`
`that,
`
`in the
`
`event
`
`the
`
`first
`
`successful
`
`bidder
`
`fails
`
`to execute
`
`the Terms
`
`of Sale
`
`immediately
`
`following
`
`the
`
`bidding
`
`upon
`
`the
`
`subject
`
`property
`
`É
`
`14-038653
`
`Judgment
`
`of Foreclosure
`
`and Sale
`
`Page
`
`4 of
`
`12
`
`

`

`fails
`
`to immediately
`
`pay
`
`the ten
`
`percent
`
`(10%)
`
`deposit
`
`as required,
`
`the
`
`property
`
`shall
`
`immediately
`
`and
`
`on the
`
`same
`
`day
`
`be reoffered
`
`at auction;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED,
`
`AND DECREED
`
`that
`
`the Referee
`
`shall
`
`then
`
`deposit
`
`the down
`
`payment
`
`and
`
`proceeds
`
`of sale,
`
`as necessary,
`
`in the Referee's
`
`I.O.L.A.
`
`account
`
`maintained
`
`for
`
`legal
`
`clients,
`
`in his/her
`
`own name
`
`as Referee,
`
`in accordance
`
`with
`
`CPLR
`
`2609;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED
`
`AND DECREED,
`
`that
`
`after
`
`the
`
`property
`
`is sold,
`
`the Referee
`
`shall
`
`a deed
`
`to the
`
`in
`
`accordance
`
`with
`
`RPAPL
`
`of
`
`execute
`
`purchaser,
`
`§1353
`
`and
`
`the
`
`terms
`
`sale,
`
`which
`
`shall
`
`be deemed
`
`a binding
`
`contract;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED,
`
`AND DECREED
`
`that,
`
`in
`
`the
`
`event
`
`a party
`
`other
`
`than
`
`the
`
`Plaintiff
`
`becomes
`
`the
`
`purchaser
`
`at
`
`the
`
`sale,
`
`the
`
`closing
`
`of
`
`title
`
`shall
`
`be held
`
`no
`
`later
`
`than
`
`30 days
`
`after
`
`the
`
`date
`
`of
`
`such
`
`sale
`
`unless
`
`otherwise
`
`stipulated
`
`by
`
`all parties
`
`to the
`
`sale;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED,
`
`AND DECREED
`
`that,
`
`if Plaintiff
`
`(or
`
`its affiliate,
`
`as defined
`
`such
`
`in paragraph
`
`(a) of
`
`subdivision
`
`1 of
`
`section
`
`six-1
`
`of
`
`the Banking
`
`Law)
`
`is the purchaser,
`
`party
`
`shall
`
`place
`
`the property
`
`back
`
`on the market
`
`for
`
`sale
`
`or other
`
`occupancy:
`
`(a) within
`
`180
`
`days
`
`of
`
`tif
`
`execution
`
`of
`
`the
`
`deed
`
`of
`
`sale,
`
`or
`
`(b) within
`
`90
`
`days
`
`of
`
`completion
`
`of
`
`construction,
`
`renovation,
`
`or
`
`rehabilitation
`
`of
`
`the
`
`property,
`
`provided
`
`that
`
`such
`
`construction,
`
`renovation,
`
`or
`
`rehabilitation
`
`proceeded
`
`diligently
`
`to
`
`completion,
`
`whichever
`
`comes
`
`first,
`
`provided
`
`however,
`
`that
`
`a court
`
`of
`
`for
`
`good
`
`and
`
`it
`
`is further
`
`competent
`
`jurisdiction
`
`may
`
`grant
`
`an extension
`
`cause;
`
`ORDERED,
`
`ADJUDGED,
`
`AND DECREED
`
`that
`
`the Referee,
`
`on receiving
`
`the
`
`proceeds
`
`of
`
`such
`
`sale,
`
`shall
`
`forthwith
`
`pay
`
`therefrom,
`
`in accordance
`
`with
`
`their
`
`priority
`
`according
`
`to law,
`
`all
`
`taxes,
`
`assessments,
`
`sewer
`
`rents
`
`or water
`
`rates,
`
`which
`
`are,
`
`or may
`
`become,
`
`liens
`
`on the
`
`property
`
`at
`
`the
`
`time
`
`of
`
`sale with
`
`such
`
`interest
`
`or penalties
`
`which
`
`may
`
`have
`
`lawfully
`
`accrued
`
`thereon
`
`to the
`
`date
`
`of payment;
`
`and
`
`it
`
`is further
`
`14-038653
`
`Judgment
`
`of Foreclosure
`
`and Sale
`
`Page
`
`5 of
`
`12
`
`

`

`ORDERED,
`
`ADJUDGED,
`
`AND DECREED
`
`that
`
`the Referee
`
`then
`
`deposit
`
`the
`
`balance
`
`of
`
`said
`
`proceeds
`
`of
`
`sale
`
`in his/her
`
`own
`
`name
`
`as Referee
`
`in their
`
`I.O.L.A.
`
`account
`
`maintained
`
`for
`
`legal
`
`clients,
`
`and
`
`shall
`
`thereafter
`
`make
`
`the
`
`following
`
`payments
`
`in accordance
`
`with
`
`RPAPL
`
`§1354,
`
`as follows:
`
`FIRST:
`
`The
`
`Referee's
`
`statutory
`
`fees
`
`for
`
`conducting
`
`the
`
`sale,
`
`in
`
`accordance
`
`with
`
`CPLR
`
`8003(b),
`
`not
`
`to exceed
`
`$750.00
`
`unless
`
`the
`
`property
`
`sells
`
`for
`
`$50,000.00
`
`or more
`
`or
`
`Plaintiff
`
`in the
`
`event
`
`a sale was
`
`cancelled
`
`or postponed,
`
`shall
`
`compensate
`
`the Referee
`
`in
`
`the
`
`sum of $
`
`for
`
`each
`
`adjournment
`
`or cancellation,
`
`unless
`
`the Referee
`
`caused
`
`the
`
`delay;
`
`SECOND:
`
`All
`
`taxes,
`
`assessments,
`
`and water
`
`rates
`
`that
`
`are liens
`
`upon
`
`the
`
`property
`
`and monies
`
`necessary
`
`to redeem
`
`the property
`
`from
`
`any
`
`sales
`
`for
`
`unpaid
`
`taxes,
`
`assessments,
`
`or water
`
`rates
`
`that
`
`have
`
`not
`
`become
`
`absolute,
`
`and
`
`any
`
`other
`
`amounts
`
`due
`
`in
`
`accordance
`
`be responsible
`
`for
`
`interest
`
`and
`
`penalties
`
`due
`
`on
`
`with
`
`RPAPL
`
`§1354(2).
`
`Purchaser
`
`shall
`
`any
`
`real
`
`property
`
`taxes
`
`accruing
`
`after
`
`the
`
`sale.
`
`The Referee
`
`shall
`
`not
`
`be responsible
`
`for
`
`the
`
`payment
`
`of penalties
`
`or
`
`fees
`
`pursuant
`
`to this
`
`appointment.
`
`The
`
`Purchaser
`
`shall
`
`hold
`
`the Referee
`
`harmless
`
`from
`
`any
`
`such
`
`penalties
`
`or
`
`fees
`
`assessed;
`
`THIRD:
`
`The
`
`expenses
`
`of
`
`the
`
`sale
`
`and
`
`the
`
`advertising
`
`expenses
`
`as
`
`shown
`
`on
`
`t£ë
`
`bills
`
`presented
`
`and
`
`certified
`
`said Referee
`
`to be correct,
`
`duplicate
`
`copies
`
`of which
`
`shall
`
`by
`
`be annexed
`
`to the
`
`report
`
`of
`
`sale;
`
`FOURTH:
`
`The Referee
`
`shall
`
`then
`
`pay
`
`to the Plaintiff
`
`or
`
`its attorney
`
`the
`
`following:
`
`Amount
`
`Due
`
`per Referee's
`
`Report:
`
`$263,784.12
`
`with
`
`interest
`
`at
`
`the
`
`note
`
`rate
`
`from
`
`March
`
`31,
`
`2021
`
`until
`
`the
`
`date
`
`of
`
`entry
`
`of
`
`this
`
`judgment,
`
`together
`
`with
`
`any
`
`advances
`
`as
`
`provided
`
`for
`
`in the
`
`note
`
`and Home
`
`Equity
`
`Conversion
`
`Agreement
`
`which
`
`Plaintiff
`
`has made
`
`14-038653
`
`Judgment
`
`of Foreclosure
`
`and Sale
`
`Page
`
`6 of
`
`12
`
`

`

`for
`
`taxes,
`
`insurance,
`
`principal,
`
`and
`
`interest,
`
`and
`
`any
`
`other
`
`charges
`
`due
`
`to prior
`
`mortgages
`
`or
`
`to maintain
`
`the
`
`property
`
`pending
`
`consummation
`
`of
`
`this
`
`foreclosure
`
`sale,
`
`not
`
`previously
`
`included
`
`in
`
`the
`
`computation,
`
`upon
`
`presentation
`
`of
`
`receipts
`
`for
`
`said
`
`expenditures
`
`to
`
`the
`
`Referee,
`
`all
`
`together
`
`with
`
`interest
`
`thereon
`
`pursuant
`
`to
`
`the
`
`note
`
`and
`
`Home
`
`Equity
`
`Conversion
`
`Agreement,
`
`and
`
`then
`
`with
`
`interest
`
`from
`
`the
`
`date
`
`of
`
`entry
`
`of
`
`this
`
`judgment
`
`at
`
`the
`
`date
`
`the
`
`deed
`
`the
`
`statutory
`
`rate
`
`until
`
`is transferred;
`
`Costs
`
`and
`
`Disbursements:
`
`$14,464.37
`
`adjudged
`
`to
`
`the
`
`Plaintiff
`
`for
`
`costs
`
`and
`
`disbursements
`
`in this
`
`action,
`
`with
`
`interest
`
`at
`
`the
`
`statutory
`
`judgment
`
`rate
`
`from
`
`the
`
`date
`
`of
`
`entry
`
`of
`
`this
`
`judgment;
`
`Additional
`
`Allowance:
`
`$
`
`is
`
`hereby
`
`awarded
`
`to Plaintiff
`
`in
`
`addition
`
`to costs,
`
`with
`
`interest
`
`at
`
`the
`
`statutory
`
`judgment
`
`rate
`
`from
`
`the
`
`date
`
`of entry
`
`of
`
`this
`
`judgment,
`
`pursuant
`
`to CPLR Article
`
`83;
`
`Attorney
`
`Fees:
`
`$2,000.00
`
`is hereby
`
`awarded
`
`to Plaintiff
`
`as reasonable
`
`legal
`
`fees
`
`herein,
`
`with
`
`interest
`
`at
`
`the
`
`statutory
`
`rate
`
`from
`
`the
`
`date
`
`of entry
`
`of
`
`this
`
`judgment;
`
`FIFTH:
`
`Surplus
`
`monies
`
`arising
`
`from
`
`the
`
`sale
`
`shall
`
`be paid
`
`into
`
`court
`
`the
`
`ofEcer
`
`by
`
`conducting
`
`the
`
`sale within
`
`five
`
`days
`
`after
`
`receipt
`
`in accordance
`
`with
`
`RPAPL
`
`§1354(4)
`
`and
`
`funds
`
`shall
`
`be deposited
`
`with
`
`the Clerk
`
`of
`
`the Court;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED
`
`AND DECREED
`
`that
`
`if
`
`the
`
`Plaintiff
`
`is the
`
`purchaser
`
`of
`
`the
`
`purchasers
`
`at such
`
`sale
`
`and
`
`the
`
`terms
`
`of
`
`sale
`
`under
`
`property,
`
`or
`
`in the
`
`event
`
`that
`
`the
`
`rights
`
`of
`
`the
`
`this
`
`judgment
`
`shall
`
`be assigned
`
`to and
`
`be acquired
`
`by
`
`the Plaintiff,
`
`and
`
`a valid
`
`assignment
`
`the
`
`e f
`
`is filed
`
`with
`
`said Referee,
`
`said Referee
`
`shall
`
`not
`
`require
`
`Plaintiff
`
`to pay
`
`in cash
`
`the
`
`entire
`
`amount
`
`bid
`
`at said
`
`sale,
`
`but
`
`shall
`
`execute
`
`and
`
`deliver
`
`to the Plaintiff
`
`or
`
`its assignee,
`
`a deed
`
`or deeds
`
`of
`
`the
`
`property
`
`sold
`
`upon
`
`the
`
`payment
`
`to said Referee
`
`of
`
`the
`
`amounts
`
`specified
`
`in items
`
`marked
`
`"First",
`
`14-038653
`
`Judgment
`
`of Foreclosure
`
`and Sale
`
`Page
`
`7 of
`
`12
`
`

`

`"Second",
`
`and
`
`"Third"
`
`"Second"
`
`in
`
`"Third"
`
`and
`
`above;
`
`that
`
`the Referee
`
`shall
`
`allow
`
`the Plaintiff
`
`to pay
`
`the amounts
`
`specified
`
`above
`
`when
`
`it
`
`is recording
`
`the
`
`deed;
`
`that
`
`the
`
`balance
`
`of
`
`the
`
`bid,
`
`after
`
`deducting
`
`the
`
`amounts
`
`paid
`
`by
`
`the Plaintiff,
`
`shall
`
`be
`
`applied
`
`to
`
`the
`
`amount
`
`due
`
`to Plaintiff
`
`as
`
`specified
`
`in
`
`paragraph
`
`"Fourth"
`
`above;
`
`that
`
`Plaintiff
`
`shall
`
`pay
`
`any
`
`surplus
`
`after
`
`applying
`
`the
`
`balance
`
`of
`
`the
`
`bid
`
`who
`
`shall
`
`deposit
`
`it
`
`in accordance
`
`with
`
`paragraph
`
`"Fifth"
`
`to the Referee,
`
`above;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED
`
`AND DECREED
`
`that
`
`all expenses
`
`of
`
`recording
`
`the Referee's
`
`deed,
`
`including
`
`real
`
`property
`
`transfer
`
`tax, which
`
`is not
`
`a lien
`
`upon
`
`the
`
`property
`
`at
`
`the
`
`time
`
`of
`
`sale,
`
`shall
`
`be paid
`
`by
`
`the
`
`purchaser,
`
`not
`
`by
`
`the Referee
`
`from
`
`sale
`
`proceeds,
`
`and
`
`that
`
`any
`
`transfer
`
`tax
`
`shall
`
`be paid
`
`in accordance
`
`with
`
`Tax
`
`Law §1404;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED
`
`AND DECREED
`
`that
`
`the mortgaged
`
`property
`
`is to be sold
`
`is"
`
`physical
`
`order
`
`subject
`
`to
`
`condition
`
`an
`
`inspection
`
`f
`
`one
`
`parcel
`
`in "as
`
`and
`
`condition,
`
`any
`
`that
`
`the
`
`property
`
`would
`
`disclose;
`
`any
`
`facts
`
`that
`
`an accurate
`
`survey
`
`of
`
`the
`
`property
`
`would
`
`show;
`
`any
`
`covenants,
`
`restrictions,
`
`declarations,
`
`reservations,
`
`easements,
`
`right
`
`of way,
`
`and
`
`public
`
`utility
`
`agreements
`
`of
`
`record,
`
`if any;
`
`any
`
`building
`
`and
`
`zoning
`
`ordinances
`
`of
`
`the municipality
`
`in which
`
`the
`
`mortgaged
`
`property
`
`is located
`
`and
`
`possible
`
`violations
`
`of
`
`same;
`
`any
`
`rights
`
`of
`
`tenants
`
`or persons
`
`the
`
`subject
`
`prior
`
`liens
`
`of
`
`if
`
`except
`
`those
`
`liens
`
`addressed
`
`in
`
`in
`
`possession
`
`of
`
`property;
`
`record,
`
`any,
`
`RPAPL
`
`§1354;
`
`any
`
`equity
`
`of
`
`redemption
`
`of
`
`the United
`
`States
`
`of America
`
`to redeem
`
`the
`
`property
`
`within
`
`120
`
`days
`
`from
`
`the
`
`date
`
`of
`
`sale;
`
`and
`
`any
`
`rights
`
`pursuant
`
`to CPLR
`
`317,
`
`2003,
`
`and
`
`5015,
`
`or
`
`any
`
`appeal
`
`of
`
`the
`
`underlying
`
`action
`
`or
`
`additional
`
`litigation
`
`brought
`
`by
`
`any
`
`defendant
`
`or
`
`its
`
`successor
`
`or assignee
`
`contesting
`
`the
`
`validity
`
`of
`
`this
`
`foreclosure;
`
`and
`
`it
`
`is further
`
`14-038653
`
`Judgment
`
`of Foreclosure
`
`and Sale
`
`Page
`
`8 of
`
`12
`
`

`

`ORDERED,
`
`ADJUDGED
`
`AND DECREED
`
`that
`
`the
`
`purchaser
`
`be let
`
`into
`
`possession
`
`of
`
`the
`
`property
`
`upon
`
`production
`
`in
`
`hand
`
`of
`
`the Referee's
`
`Deed
`
`or
`
`upon
`
`personal
`
`service
`
`of
`
`the
`
`Referee's
`
`deed
`
`in accordance
`
`with
`
`CPLR
`
`308;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED
`
`AND DECREED
`
`that
`
`the Defendants
`
`in this
`
`action
`
`and
`
`all
`
`persons
`
`claiming
`
`thmugh
`
`them and
`
`any
`
`person
`
`obtaining
`
`an interest
`
`in the
`
`property
`
`after
`
`the
`
`filing
`
`of
`
`the Notice
`
`are barred
`
`and
`
`foreclosed
`
`of all
`
`and
`
`interest
`
`in
`
`of Pendency
`
`right,
`
`claim,
`
`lien,
`
`title,
`
`the
`
`property
`
`after
`
`the
`
`sale
`
`of
`
`the mortgaged
`
`property;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED
`
`AND DECREED
`
`that within
`
`30 days
`
`after
`
`completing
`
`the
`
`sale
`
`and
`
`executing
`
`the
`
`proper
`
`conveyance
`
`to the
`
`purchaser,
`
`unless
`
`the
`
`time
`
`is extended
`
`by
`
`the
`
`court,
`
`the
`
`officer
`
`making
`
`the
`
`sale
`
`shall
`
`file with
`
`the
`
`clerk
`
`a report
`
`under
`
`oath
`
`of
`
`the
`
`disposition
`
`of
`
`the
`
`of
`
`sale
`
`in
`
`with
`
`RPAPL
`
`and
`
`follow
`
`all
`
`local
`
`proceeds
`
`the
`
`accordance
`
`§1355(1)
`
`County
`
`rules
`
`regarding
`
`handling
`
`of Surplus
`
`Monies;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED
`
`AND DECREED
`
`that
`
`if
`
`the
`
`purchaser
`
`or purchasers
`
`at said
`
`sale
`
`default(s)
`
`upon
`
`the
`
`bid
`
`and/or
`
`the
`
`terms
`
`of
`
`sale
`
`the Referee
`
`may
`
`place
`
`the
`
`property
`
`for
`
`resale
`
`without
`
`prior
`
`application
`
`to
`
`the
`
`Court
`
`unless
`
`Plaintiffs
`
`attorneys
`
`shall
`
`elect
`
`to make
`
`such
`
`application;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED
`
`AND DECREED
`
`that
`
`Plaintiff
`
`shall
`
`serve
`
`of
`
`this
`
`a copy
`
`Judgment
`
`with
`
`Notice
`
`of Entry
`
`upon
`
`the
`
`owner
`
`of
`
`the
`
`equity
`
`of
`
`redemption,
`
`any
`
`tenants
`
`named
`
`in
`
`this
`
`action,
`
`and
`
`any
`
`other
`
`parties
`
`or persons
`
`entitled
`
`to
`
`service,
`
`including
`
`the Referee
`
`appointed
`
`herein;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED
`
`AND DECREED
`
`that
`
`nothing
`
`herein
`
`shall
`
`be
`
`deemed
`
`to
`
`relieve
`
`Plaintiff
`
`of
`
`any
`
`obligation
`
`imposed
`
`by RPAPL
`
`§1307
`
`and RPAPL
`
`§1308
`
`to
`
`secure
`
`and
`
`14-038653
`
`Judgment
`
`of Foreclosure
`
`and Sale
`
`Page
`
`9 of
`
`12
`
`

`

`maintain
`
`the
`
`property
`
`until
`
`such
`
`time
`
`as ownership
`
`of
`
`the
`
`property
`
`has
`
`been
`
`transferred
`
`and
`
`the
`
`deed
`
`duly
`
`recorded;
`
`and
`
`it
`
`is further
`
`ORDERED,
`
`ADJUDGED
`
`AND
`
`DECREED
`
`that
`
`to
`
`ensure
`
`compliance
`
`herewith,
`
`Plaintif
`
`T shall
`
`file
`
`a written
`
`report
`
`with
`
`the
`
`court
`
`within
`
`six months
`
`from
`
`the
`
`date
`
`of
`
`entry
`
`of
`
`this
`
`judgment
`
`stating
`
`whether
`
`the
`
`sale
`
`has
`
`occurred
`
`and
`
`the
`
`outcome
`
`thereof",
`
`and
`
`it
`
`further
`
`ORDERED,
`
`ADJUDGED
`
`AND DECREED
`
`that,
`
`when
`
`the Referee
`
`files
`
`a report
`
`of
`
`sale,
`
`he or she shall
`
`concurrently
`
`file
`
`a Foreclosure
`
`Actions
`
`Surplus
`
`Monies
`
`Form;
`
`and
`
`it
`
`is further
`
`ADJUDGED
`
`AND
`
`DECREED
`
`that
`
`to
`
`ensure
`
`compliance
`
`ORDERED,
`
`herewith,
`
`Plaintiff
`
`shall
`
`file
`
`a written
`
`report
`
`with
`
`the
`
`court
`
`within
`
`six months
`
`from
`
`the
`
`date
`
`of
`
`entry
`
`of
`
`this
`
`judgment
`
`stating
`
`whether
`
`the
`
`sale
`
`has
`
`occurred
`
`and
`
`the
`
`outcome
`
`thereof",
`
`and
`
`it
`
`further
`
`ORDERED,
`
`ADJUDGED
`
`AND DECREED
`
`that
`
`the Guardian
`
`ad
`
`Litem
`
`and Military
`
`herein,
`
`Allen
`
`L, Yates,
`
`Esq.
`
`be paid
`
`the
`
`sum of $250.00
`
`for
`
`services
`
`rendered
`
`herein.
`
`Said
`
`property
`
`is commonly
`
`known
`
`as 712 Swaggertown
`
`Road,
`
`Scotia,
`
`NY 12302.
`
`The
`
`legal
`
`description
`
`of
`
`the mortgaged
`
`property
`
`referred
`
`to
`
`herein
`
`is annexed
`
`hereto
`
`as
`
`Schedule
`
`A,
`
`DATED:
`
`pursuant
`certification
`Attorney
`§130-1.1-a
`to 22NYCRR
`cover,
`is af Tmed to inside
`
`ENTER
`
`Hon.
`Justice
`
`James
`of
`
`P. Murphy,
`the Supreme
`
`J.S.C.
`Court
`
`14-038653
`
`Judgment
`
`of Foreclosure
`
`and Sale
`
`Page
`
`10 of
`
`12
`
`

`

`SCBiDULEA.
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`
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`partismasrtonadesessaassemessklises:
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`
`.
`
`

`

`SUPREME
`COUNTY
`Nationstar
`
`Company,
`
`v.
`
`OF THE STATEOF
`COURT
`OF SARATOGA
`LLC d/b/a
`Mortgage
`
`Champion
`
`NEW YORK
`
`Mortgage
`
`Plaintiff(s),
`
`TERMS
`
`OF SALE
`
`Index
`
`No.
`
`20157
`
`.
`.
`as the
`Lumted
`Treasurer,
`County
`the Estate
`of Emily
`Califano
`of
`The United
`States
`of America
`acting
`and Urban
`of Housing
`Development;
`Hess; Mark
`Lawrence
`Hess;
`John
`James
`Dence;
`Hess;
`Deborah
`Kathleen
`Alfred
`a/k/a
`Alfred
`State
`of Taxation
`
`Montgomery
`Administrator
`Jane Califano;
`The
`Secretary
`Jeffrey
`Scott
`
`Hess;
`Yaksta;
`Scherenberger;
`Stephen
`Hess;
`Hess;
`New York
`Williams;
`Finance,
`
`Hess;
`Dence;
`Pietrantozzi;
`Williams
`Department
`Defendant(s).
`
`PROPERTY:
`Road
`
`MORTGAGED
`712
`Swaggertown
`Scotia, NY 12302
`COUNTY:
`Saratoga
`SBL
`#: Section
`256.
`Lot
`66
`
`Block
`
`1
`
`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
`
`check
`
`at
`
`the
`
`time
`
`and
`
`the
`
`place
`
`of
`
`the
`
`a
`
`in cash
`
`or by
`
`a certified
`
`to the Referee
`
`sale,
`
`and
`
`for which
`
`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
`
`, 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,
`
`14-038653
`
`Terms
`
`of Sale
`
`Page 1 of 6
`
`

`

`the 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
`
`to re-schedule
`
`the
`
`foreclosure
`
`incurred
`
`as a result
`
`of any
`
`adjournment
`
`of
`
`the
`
`closing,
`
`or
`
`(2)
`
`elect
`
`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
`
`shall
`
`the
`
`and
`
`is awarded
`
`additional
`
`fees
`
`for
`
`said
`
`closing,
`
`those
`
`fees
`
`be paid
`
`by
`
`purchaser,
`
`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
`
`such
`
`purchaser
`
`will
`
`be held
`
`liable
`
`for
`
`application);
`
`and,
`
`any
`
`deficiency
`
`there may
`
`be between
`
`the
`
`sum for which
`
`the
`
`said
`
`premises
`
`shall
`
`be struck
`
`down
`
`upon
`
`the
`
`sale,
`
`and
`
`the
`
`price
`
`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.
`
`14-038653
`
`Terms
`
`of Sale
`
`Page 2 of 6
`
`

`

`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
`
`thereoÎ
`
`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
`
`the
`
`same
`
`force
`
`and
`
`effect
`
`as if
`
`set
`
`forth
`
`at
`
`length.
`
`included
`
`in these
`
`Terms
`
`of Sale, with
`
`fully
`
`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
`
`reference
`
`by
`
`herein,
`
`with
`
`the
`
`same
`
`effect
`
`as fully
`
`set
`
`forth
`
`herein;
`
`(b)
`
`Any
`
`state
`
`of
`
`facts
`
`an accurate
`
`Survey
`
`would
`
`show;
`
`restrictions
`
`and Easements,
`
`if any,
`
`of
`
`record
`
`said
`
`(c)
`
`Covenants,
`
`affecting
`
`mortgaged
`
`Premises;
`
`(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;
`
`(e)
`
`The
`
`rights,
`
`if any,
`
`of
`
`the United
`
`States
`
`of America,
`
`pursuant
`
`to Title
`
`28,
`
`Section
`
`2410
`
`of
`
`the United
`
`States
`
`Code;
`
`all
`
`interests
`
`and/or
`
`leases
`
`said
`
`(f)
`
`Any
`
`and
`
`tenancies,
`
`possessory
`
`affecting
`
`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
`
`Abstract
`
`recreation
`
`or
`
`redating
`
`charges
`
`are the
`
`responsibility
`
`of
`
`the Purchaser.
`
`All
`
`of
`
`the
`
`14-038653
`
`Terms
`
`of Sale
`
`Page 3 of 6
`
`

`

`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
`
`by
`
`the Purchaser.
`
`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
`
`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
`
`the Purchaser.
`
`by
`
`9.
`
`At
`
`or before
`
`the
`
`time
`
`of making
`
`a bid,
`
`the Bidder,
`
`if other
`
`than
`
`the Plaintiff,
`
`shall
`
`the
`
`amount
`
`of
`
`exhibit
`
`to the Referee
`
`cash
`
`or certined
`
`check(s)
`
`for
`
`at
`
`least
`
`ten
`
`percent
`
`(10%)
`
`of
`
`the
`
`bid
`
`and
`
`also
`
`identify
`
`themselves
`
`with
`
`name,
`
`address,
`
`and
`
`phone
`
`number.
`
`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
`
`the
`
`purchaser
`
`by
`
`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
`
`Straub,
`
`P,C.,
`
`Elena
`Referee
`
`14-038653
`
`Terms
`
`of Sale
`
`Page 4 of 6
`
`

`

`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
`
`hereby
`
`promises
`
`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.,
`
`Hinman
`
`Straub,
`
`P.C.,
`
`Elena
`Referee
`
`Purchaser
`
`(print
`
`name)
`
`Purchaser's
`
`signature
`
`Purchaser's
`
`Telephone
`
`Number
`
`Purchaser's
`
`Email
`
`Address
`
`Purchaser's
`
`Address
`
`Purchaser's
`
`Attorney
`
`Print
`
`Name
`
`Attorney's
`
`Telephone
`
`Number
`
`Attorney's
`
`Email
`
`Address
`
`14-038653
`
`Terms
`
`of Sale
`
`Page 5 of 6
`
`

`

`RECEIPT
`
`Received
`
`from
`
`. the
`
`sum of $
`
`being
`
`ten
`
`percent
`
`of
`
`the
`
`amount
`
`of
`
`the bid
`
`for
`
`the
`
`property
`
`sold
`
`by me under
`
`the
`
`Judgment
`
`in the
`
`above-entitled
`
`action.
`
`Dated:
`
`De Fio
`
`Kean,
`
`Esq.,
`
`Hinman
`
`Straub,
`
`P.C.,
`
`Elena
`Referee
`
`PLAINTIFFS
`
`RECEIPT
`
`The
`
`ten
`
`percent
`
`deposit
`
`is waived.
`
`De Fio
`
`Kean,
`
`Esq.,
`
`Hinman
`
`Straub,
`
`P.C.,
`
`Elena
`Referee
`
`Print Name
`LOGS
`Legal
`LLC
`
`Barak,
`Attorneys
`
`Group
`
`LLP f/k/a
`
`Shapiro,
`
`DiCaro
`
`&
`
`for
`
`the Plaintiff
`
`14-038653
`
`Terms
`
`of Sale
`
`Page 6 of 6
`
`

`

`AMENDED
`flONS OF MI(ECLO$EEiPROPEI(TY
`PUBLIC AU
`CONCEltNllWii
`Itewised:
`02/05/2021
`the toutthouse
`been
`held.at
`
`COVlowi9
`
`MLICllis
`
`Foreclosure
`
`auctiëns
`
`courthouse
`pursuaht
`ensure
`
`public
`a public
`
`steps+and
`to law.
`Auction
`venues,
`allmurthouse-based
`that
`health mandates
`#esignedco
`al@interested
`auction
`where
`
`an4timeselecte4
`
`Nave historically
`have occntredon
`anyday
`as wellas
`must
`auctiÿ¬
`scheduling
`In.accordance.with
`proceed
`auctions
`spread
`of COVID-19,
`contalwthe
`whilq
`theright
`to participate.
`parties.have
`
`in the front
`fobWór
`as.published.
`
`- dither
`by the
`referee,
`now chahge.
`These
`the
`equitsystem
`
`on the.
`
`changeswill
`aId
`policies
`to the spirit
`
`of
`
`remainingtrue
`
`Once a foreclosu
`will
`procedures
`
`to proceed
`is anthorized
`e auction
`District Courts:
`in all Fourth
`
`apply
`
`In lam the following
`
`COVJD-9
`
`policfèsend
`
`. L.
`
`location:
`
`Foreclospre
`
`auctions
`
`wIll be conducted
`
`at
`
`the following.locations:
`
`CD.UNTY
`
`ADDRISS
`
`LOCATION.
`
`Clinton
`
`Essex
`
`FranklIñ
`
`Fulton/Hamilton
`
`Iwontgomery
`
`St; Lawrence
`
`Saratoga.
`
`Schenectady
`
`Wärren
`
`Washington
`
`'
`
`137
`County Government
`Clinton
`Geriter,
`NY 12901.
`Margäret
`Plattsburgh,
`Street,
`7559 Court
`Essex County
`Courthouse,
`NY 12931.
`Elitabethtow.n,
`Street,
`555 West
`.Franklin
`Courthouse,
`County
`NY 12953t
`Main Street, Malong,
`CourthduseA223West
`Fulton Countÿ
`NT.12095
`Main Street,
`Johnstowit;
`Courthouse,
`½ntgomerytounty
`Fonde, NY 12068
`Broadway,
`St. Lawrence
`Courrty Courthouse,
`NY 13617
`Court Street,
`Canton,
`Municipal
`Cent en
`5aratoga
`County
`Street,.
`#a, 30 McMaster
`Ilullding
`NY 12020
`SallstonSpa,
`Courthouse
`Schenettedy
`County
`6125tate
`Street
`Schenectatty,W12305
`1340
`.W§rren
`Countý Municipel
`Center;
`NT 11845
`9,.Lake George,
`State Route
`Washington
`Cowthesise,.385
`County
`Ft. EdwaSd, NY12828
`
`58
`
`48
`
`Broâdway,
`
`tourtroent
`
`#1
`
`Jury Assembly
`
`Room
`
`County
`
`Courtroom
`
`Mini Courtt6örri
`
`Room #48
`
`Courthouse
`
`tobby
`
`.luryfssembly
`
`Room
`
`CourtroomW6.
`
`Old Cóunty
`
`Courtroom
`
`Supreme
`
`Courtroom
`
`MAXIMUM
`ROOM
`DENSITY
`23
`
`24
`
`19
`
`23
`
`23
`
`14
`
`13
`
`14
`
`30.
`
`26
`
`2. Schedulinga
`
`Foreclosure.Ausdon:
`
`Act of
`Foreclosure Prevention
`to the COWD-19 Ernergency EVictionand
`IMPORTANT NOÝ5: Pursuqnt
`been stayed