Deutsche Bank Nat'l Trust Co. v. Silverman

• Decision Date: 18 December 2019
• Docket Number: 2017-05091,Index No. 512112/14
• Citation: 178 A.D.3d 898,114 N.Y.S.3d 110
• Parties: DEUTSCHE BANK NATIONAL TRUST COMPANY, etc., Respondent, v. Warren SILVERMAN, Appellant, et al., Defendants.
• Court: New York Supreme Court — Appellate Division

178 A.D.3d 898

114 N.Y.S.3d 110

DEUTSCHE BANK NATIONAL TRUST COMPANY, etc., Respondent,

v.Warren SILVERMAN, Appellant, et al., Defendants.

2017-05091

Index No. 512112/14

Supreme Court, Appellate Division, Second Department, New York.

Submitted—September 16, 2019

December 18, 2019

Law Office of Maggio & Meyer PLLC, Bohemia, N.Y. (Holly C. Meyer of counsel), for appellant.

Woods Oviatt Gilman LLP (Hogan Lovells U.S. LLP, New York, N.Y. [Sean Morotta, David Dunn, and Chava Brandriss of counsel), for respondent.

RUTH C. BALKIN, J.P., JEFFREY A. COHEN, ROBERT J. MILLER, HECTOR D. LASALLE, JJ.

DECISION & ORDER

In an action to foreclose a mortgage, the defendant Warren Silverman appeals from a judgment of foreclosure and sale of the Supreme Court, Kings County (Noach Dear, J.), dated December 5, 2016. The judgment of foreclosure and sale, upon an order of the same court also dated December 5, 2016, inter alia, granting the plaintiff's motion for a judgment of foreclosure and sale, confirmed a referee's report and directed a foreclosure and sale of the subject property. The notice of appeal from the order is deemed a notice of appeal from the judgment of foreclosure and sale (see CPLR 5512[a] ).

ORDERED that the judgment of foreclosure and sale is affirmed, with costs.

In December 2014, the plaintiff commenced this action against Warren Silverman (hereinafter the defendant), among others, to foreclose a mortgage encumbering certain real property located in Brooklyn. The defendant did not answer the complaint, only appearing in the matter by his counsel's filing of a notice of appearance in July 2015. The plaintiff thereafter moved for an order of reference. The defendant opposed the motion.

By order dated April 4, 2016, the Supreme Court, construing the motion as one for leave to enter a default judgment and for an order of reference, granted the motion, finding that the plaintiff had met its initial burden pursuant to CPLR 3215, and noting that the defendant had failed to meet his burden, having offered no excuse for his default. In July 2016, the defendant moved for leave to reargue his opposition to the plaintiff's motion. The plaintiff opposed the motion and moved for a judgment of foreclosure and sale. The court denied the defendant's motion for leave to reargue, granted the plaintiff's motion for a judgment of foreclosure and sale, and entered judgment.

An applicant for a default judgment against a defendant must submit proof of service of the summons and complaint, proof of the facts constituting the claim, and proof of the defaulting defendant's failure to answer or appear (see CPLR 3215[f] ; U.S. Bank Trust, N.A. v. Green, 173 A.D.3d 1111, 1112, 100 N.Y.S.3d 879 ; HSBC Bank USA, N.A. v. Clayton, 146 A.D.3d 942, 944, 45 N.Y.S.3d 543 ). "[A]n affidavit submitted in support of a motion pursuant to CPLR 3215 ‘need only allege enough facts to enable a court to determine that a viable cause of action exists’ " ( Mortgage Elec. Registration Sys., Inc. v. Smith, 111 A.D.3d 804, 806, 975 N.Y.S.2d 121, quoting Woodson v. Mendon Leasing Corp., 100 N.Y.2d 62, 71, 760 N.Y.S.2d 727, 790 N.E.2d 1156 ; see U.S. Bank Trust, N.A. v. Green, 173 A.D.3d at 1112, 100 N.Y.S.3d 879 ). "Indeed, defaulters are deemed to have admitted all factual allegations contained in the complaint and all reasonable inferences that flow from them" ( Woodson v. Mendon Leasing Corp., 100 N.Y.2d at 71, 760 N.Y.S.2d 727, 790 N.E.2d 1156 ; see Rokina Opt. Co. v. Camera King, 63 N.Y.2d 728, 730, 480 N.Y.S.2d 197, 469 N.E.2d 518 ). "Where, as here, a foreclosure complaint is not verified, CPLR 3215(f) states, among other things, that upon any application for a judgment by default, proof of the facts constituting the claim, the default, and the amount due are to be set forth in an affidavit made by the party" ( HSBC Bank USA, N.A. v. Cooper, 157 A.D.3d 775, 776, 69 N.Y.S.3d 350 [emphasis and internal quotation marks omitted]; see HSBC Bank USA, N.A. v. Betts, 67 A.D.3d 735, 736, 888 N.Y.S.2d 203 ).

In support of its motion, the plaintiff proffered, inter alia, a copy of the summons and complaint, proof of service of process upon the defendant in the form of an affidavit of service by personal service, and the note and mortgage. The plaintiff's submissions also included an affidavit of merit sworn to by Stacey Daniels, employed by Wells Fargo Bank, N.A. (hereinafter Wells Fargo) as Vice President of Loan Documentation, in which she stated the following: that she had reviewed Wells Fargo's business records maintained for the purpose of servicing mortgage loans; that she was familiar with such business records in the regular performance of her job functions; and that based upon that review and her personal knowledge, the loan had been in default since March 1, 2010, and the amount due was $1,105,250.41. Also annexed to the plaintiff's motion were copies of a limited power of attorney, appointing Wells Fargo, "by and through the Servicer's officers, [the plaintiff's] true and lawful Attorney–in–Fact." The plaintiff also submitted an excerpt of the pooling and servicing agreement that authorized Wells Fargo to service the mortgage loan, with the plaintiff as designated trustee of the original lender, effective January 1, 2007.

"[T]he affidavit of merit from a representative of the plaintiff's servicing agent, accompanied by a power of attorney demonstrating the authority of the agent to act on behalf of the plaintiff, in which the representative averred that she had acquired personal...