US Bank N.A. v. Gordon

2025 NY Slip Op 30145(U)
CourtNew York Supreme Court, Queens County
DecidedJanuary 13, 2025
DocketIndex No. 709001/2017
StatusUnpublished

This text of 2025 NY Slip Op 30145(U) (US Bank N.A. v. Gordon) is published on Counsel Stack Legal Research, covering New York Supreme Court, Queens County primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
US Bank N.A. v. Gordon, 2025 NY Slip Op 30145(U) (N.Y. Super. Ct. 2025).

Opinion

US Bank N.A. v Gordon 2025 NY Slip Op 30145(U) January 13, 2025 Supreme Court, Queens County Docket Number: Index No. 709001/2017 Judge: Joseph J. Esposito Cases posted with a "30000" identifier, i.e., 2013 NY Slip Op 30001(U), are republished from various New York State and local government sources, including the New York State Unified Court System's eCourts Service. This opinion is uncorrected and not selected for official publication. FILED: QUEENS COUNTY CLERK 01/16/2025 08:59 AM INDEX NO. 709001/2017 NYSCEF DOC. NO. 231 RECEIVED NYSCEF: 01/16/2025

SHORT FORM ORDER

NEW YORK SUPREME COURT - QUEE S COUNTY

Present: Honorable Joseph J. Esposito PART 11 FILED Justice 1/16/2025 ----------------------------------------------------------------------X COUNTY CLER~ US BANK ATIO AL ASSOCIATIO , as Trustee for QUEENS COUNTY Bear Steams Asset Backed Securities I Trust 2006-IM 1, Asset-Backed Certificates, Series 2006-IMl, Index No. 709001/2017 Plaintiff, Motion Date: 09/25/2024 -against- Motion Seq. No.: 6 STEVE GORDON, ASHIA GORDON, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., As nominees for ENCORE CREDIT CORP., et al,

Defendant. -----------------------------------------------------------------------X

The following numbered papers read on this motion by the Gordon defendants for an Order: (1) pursuant to the Foreclosure Abuse Prevention At L 2022, ch 821 l O [ eff. Dec. 30, 2022]), CPLR 222l(e), and/or under the Court's inherent powers and/or in the interest of substantial justice pursuant to CPLR 5015, vacating the Order entered April 23, 2018, and substituting therefor an Order and/or judgment dismissing all causes of action set forth in the underlying Complaint as time-barred and directing the Queens County Clerk to cancel and discharge the underlying mortgage of record pursuant to RP APL 1501 (4); (2) granting defendants ' request for an award of attorneys ' fees and expenses pursuant to RP APL 282(1 ); and (3) such other and further relief that this Court may deem just and proper.

Papers Numbered

Notice of Motion - Affinnation - Exhibits..........................................EF 208-215 Affirmation in Opposition- Exhibits....................................................EF 217-226 Reply Affirmation ......................... .... ...................... .. .......... ................... EF 228

On November 3, 2005, borrowers obtained a loan in the amount of $326,400.00 from Encore Credit Corp d/b/a ECC Encore Credit, memorialized by a promissory note and secured by a mortgage on the real property located at 121-65 236 th Street, Rosedale, New York. The loan thereafter was transferred to plaintiff. Borrowers defaulted in their repayment of the loan, which is presently due for July 1, 2011. Prior to this action, plaintiff commenced an earlier action on or about June 19, 2009 which was not prosecuted to judgment and ultimately dismissed by the Court for plaintiff's failure to timely move for an Order of Reference. After the dismissal, plaintiff took action to revoke any acceleration of the Loan by sending a letter to the borrowers dated February

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25, 2015, that states that the prior acceleration was revoked with the loan returning to installment status. In an affidavit submitted earlier in the subject action, borrowers acknowledged received of the notice in an affidavit. This action was later commenced on June 29, 2017 to which the borrowers file a pre-answer motion to dismiss which was ultimately denied by Justice Salvatore J. Modica's in an Order dated April 23, 2018. Defendants now move to renew their motion pursuant to the change in the law.

A party may appropriately seek relief from a prior order based on a change in the law by a motion to renew (see CPLR 222l[e][2]; Opalinski v City of New York, 205 AD3d 917, 919, 168 .Y.S.3d 116 [2d Dept 2022]; Dina/lo v DAL Elec., 60 AD3d 620, 621 , 874 .Y.S.2d 246 [2d Dept 2009]). The Gordon defendants argue that the Foreclosure Abuse Prevention Act (L 2022, ch 821) (F AP A) amended various statutes, which would change the outcome of the Apri I 23, 2018 order.

Defendants rely on FAPA's amendments to the CPLR, which added subdivision [h] to CPLR 203 and subdivision [e] to CPLR 3217. Both amended statutes refer to CPLR 213 [4] which requires commencement within six years of "an action upon a bond or note, the payment of which is secured by a mortgage upon real property, or upon a bond or note and mortgage so secured, or upon a mortgage of real property, or any interest therein." CPLR 203 [h] provides that " [o ]nee an action upon an instrument described in subdivision four of section two hundred thirteen of this article has accrued , no party may, in form or effect, unilaterally waive, postpone, cance l, toll, revive or reset the accrnal thereof, or otherwise purport to effect a unilateral extension of the limitations period prescribed by law to commence an action and to interpose the claim, unless expressly prescribed by statute. CPLR 3217[e] provides that "[i]n any action on an instrument described under subdivision four of section two hundred thirteen of this chapter, the voluntary discontinuance of such action, whether on motion, order, stipulation or by notice, shall not, in form or effect, waive, postpone, cancel, toll, extend, revive or reset the limitations period to commence an action and to interpose a claim, unless expressly prescribed by statute" . Gordon defendants maintain that these amended statutes apply retroactively and encompass the instant action because § 10 of FAP A provides that "[t]his act shall take effect immediately and shall apply to all actions commenced on an instrument described under subdivision four of section two hundred thirteen of the civil practice law and rules in which a final judgment of foreclosure and sale has not been enforced" (see HSBC Bank USA, NA. v Francis, 214 AD3d 58, 64, 185 .Y.S.3d 173 n [2d Dept 2023 ]). Defendants maintain that they are entitled to dismissal of this action, with prejudice, as time-barred because the underlying mortgage was originally accelerated on June 18, 2009. Defendants assert that neither the language of the May 2006 Form 3033 Mortgage nor the law permitted plaintiff to reset the statute of limitations period anew by deaccelerating the subject ovember 2005 Loan. Defendants contend that the instant action was filed on June 29, 2017, more than six years after acceleration which is after the expiration of the limitations period to sue, therefore requiring dismissal.

In opposition plaintiff argues that FAP A does not apply retroactively and would not affect plaintiffs action. Generally, statutory amendments have prospective effect unless its language indicates a contrary interpretation (see People v Galindo, 38 NY3d 199,207, 17 1 .Y.S.3d 865, 191 N.E.3d 1136 [2022]; Matter of Gleason (Michael Vee, Ltd), 96 NY2d 117, 122, 749 N.E.2d 724, 726 .Y.S.2d 45 [2001]; Matter ofThomas v Bethlehem Steel Corp., 63 NY2d 150, 154,470

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N.E.2d 831,481 N.Y.S.2d 33 (1984]) . Plaintiff contends that §10 of PAPA does not provide it is to be applied retroactively. Although plaintiff correctly argues that a provision that a statute is to take effect immediately, without more, is insufficient to establish it is to be applied retroactively (see Gottwald v Sebert, NY3d , 2023 NY Slip Op 03183 *7 [2023]; Majewski v Broadalbin- Perth Cent. Sch. Dist., 91 N.Y.2d 577, 583-84, 696 .E.2d 978, 673 .Y.S .2d 966 [1998); Marrero v Crystal Nails, 114 AD3d I 01.

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2025 NY Slip Op 30145(U), Counsel Stack Legal Research, https://law.counselstack.com/opinion/us-bank-na-v-gordon-nysupctqueens-2025.