Lamison 32MillFarm

8/8/2019 Lamison 32MillFarm

http://slidepdf.com/reader/full/lamison-32millfarm 1/12

*sm$t$rffi

September8,2009

fuHl|"rylullrruil[ilil!iluffinlil32 Mill FarmLnSouthampton,Y I1968

Re: LoanNo: 0031154115

YOU COULD LOSE YOUR HOME. PLEASEREAD THE FOLLOWING NOTICECAREFULLY

DearHerman amison:

f.::llt^p-t^.19:_l28,2009,vourhome oan s 180days n default.UnderNew york statelaw,we-areequiredo send-youhisnotice o informi;" th.t tou'uri ut risk of losinsvourhome.ou cin curehisdefaulf t ;;klnglh;'igJps_"1_"i$ta,il2.8;:d;ifrJiy

1212712009'he originatorof the bebi is iMenICAN HOME MORTGAGE.If you.are xperiencinginancial ifficulty,you should now hat hereareseveral ptionsavailableo youlll! ll"v help you \Fp y'"il ttoni.. attu.rr.a-toîirirnotice s a list ofgovernmentpprovedousing ounselingSq:lg*:.in ourareawhichpr;.;td;i;J" oir".ylow-cost ounseling..Y.gu h6uld-onsider ontactiny'",; ;ith"*'u!6n.irJ i-*Laiui.ry.Theseasencies p6cializen helping ,ornio*n-.iswho are facing-nn"rii"iâiiii.rityHousing-counsel6rs* t + yofi us.r! your financialconditiorfandwork with us toexplorehepossibilitvof modifvingyogr .olan,rluulirtun^g-""iî;;",;o*-;;i;tun roiyor,or evenwoikine out a periodor t6dn o.u.iiu*r. it you wlsh,you may arsocontact sdirectlv t r-87i 30+-i ob-anak i;^ ilffi;;ri o,. op,,on..While we cannotassure hata mutuallyagreeableresolutions possible,we encourage outo take mmediat.":!:!r o try to achiev-eresoluti;;'^T'h;f"rg;;';b;;il;h;%ir.,options ou maynave.If thismatter s notresolvedwithin

90 days romthedate hisnoticewasmailed,AmericanHome orteaseervicing,nc.may oT1'1;il_i,iFrl;;ffi&;i;;,h G;'il;;;îiy;"easeo live"ifr'the welii-n'gr'vourprmary resrdence..;If you need urther nformation, lease all theNew York statebankingdepartmentsoll-freehelplineat 1-877-BANK-NYs t-gii-fik-iaglj

"i:ilriiirrratpu.t-.nts website th tp wwrry.ban 4g.flqlq ny.us.

Sincerely,AmericanHomeMortgaget*,:?rT;tti;.

^0.opper,x 750re

Youmav ontactindseyLucasat I -800-505-370642522 hould ou haveservicing uestionsegarding ouraccount.



REQUEST ORJUDICIAL INTERVENTIONSettlement onferencen

Residential ortgage oreclosurections

COURl', SUFFOLKCOUNTY

QI Y,,r;,i:iF.ici.d6& illpJu<Jiiir Fascale

tcuri$ eierk

N.A. asTrustee or AmericanHome MortgageAssetsTrust 2006-3Mortgage-Backed ass-Certificates, eries 006-3

Lamisonand"JOHN DOE #1" through JOHN DOEhe ast en names eing ictitiousandunknown o the

intended o be thepersons r parties, fany, havingoran nterestn or lien upon he mortgaged remises

n th ecomplaint,

IASentrydate

JudgeAssigned

t t6. \O

RJI Date

form request hescheduling f thesettlement onferenceequiredby Rule3408of theCivil Practice aw and Rules n a mortgage

ction nvolvingal l of the following:o residentialmortgage nterednto between anuary1,2003and September, 200g. one o four-familyowneroccupieddwelling. subprime, igh-cost, r nontraditionaloanas defined n section -l ofthe BankingLarvandsection1304.5(c) nd e) of the Real

ProperfyActionsandProceedingsaw

he followine information

Address:

32 Mill FarmLane,Southampton,Y 11968

[nante, ddress,elephoneumber, -mailaddress]:Properry:Mailing:Service ffectuated t:

Herman amison,32Mill FarmLane,Southampton,Y I1969P.OBox 1493, outhampton,

Y I1969

or Plaintif(s) [name,address,elephone umber,e-mail address]:MichaelJ. chatwin, Shapiro,Dicaro & Barak,LLp,250 Mile crossingBoulevard,(585)247 9000,[email protected]

or Defendant(s)name,address,elephone umber,e-mailaddress]:

otice RPAPL$1304(1)]mailed n: September28,2009ases tit le, ndexno.,court, judge ifassigned),elationshipo instant ase]:

SuiteOne,Rochester,Y 14624

I AFFIRMUNDERPENALTYOF PERIURY HAT,TO MY KNOWLEDGE,OTHERTHANAS NOTEDABEVE.THEREARD HAVE BEENNO RELATEDACTIONSOR PROCEEDINGS.ORHA

BEEN FILED IN THIS ACTION.

SIGNATURE

Michael . Chatwin. sq.

Shapiro, iCaro& Barak, LP25 0Mile Crossingsoulevard

Sui teOne

Rochester,Y 14624(585)247-e000

S&D No. : 0-000039

lnft,

FORJUDICIAL INTERVENTION



SCHEDULE D

Thosemortgages onsolidatednd/ormodified:

The MortgagedatedJuly 14,2003madeby HermanLamison o WashingtonMutual Bank, FA

in theprincipalsumof $760,000.00 nd ecorded n March 10,2004 n iiber 2067S,page 8.The mortgagedatedSeptember 3,2004madeby HermanLamison o WashingtonMutualBank,FA in theprincipalsumof $751,078.72 nd ecorded n March2,2005 in Liber 20ggl,page338. TheConsolidation, xtension ndModificationAgreement atedSeptember 3,2004madeby HermanLamison o WashingtonMutual Bank, FA andrecordedon March 2,2004 inLiber 20991, age339,given o form a single ien n the amountof $1,500,000.00. hemortgagewas assignedrom WashingtonMutual Bank f/k/a WashingtonMutual Bank, FA toAmericanHomeMortgage y Assignmentecorded ugust16,2006 n Liber 21364,page762.The mortgagemadeby HermanLamison o AmericanHomeMortgage n theprincipalsumof$729,672.94 nd ecorded n August16,2006 n Liber 21364,page760.

Theabovemortgage(s) ereconsolidatedy virtueof theConsolidation xtensionModificationAgreement ated une22,2006,and ecorded n August16,2006 n Liber 21364of Mortgages,page761, n the Suffolk CountyClerk'sOffice.

The consolidatedmortgagebeingforeclosed ereinwasconveyed o Plaintiff by virtue of atransferof the nstantnoteandmortgage or valuableconsideration.Said ransferwasmemorialized y anAssignment f Mortgagedated anuary 5,2010.

( r0-000039)



SCHEDULE C

MORTGAGE INFORMATION

l. Original Amount of BondA.{otelConsolidation r ModificationAgreement $2,250,000.00*not to exceednegativeamortizationamoumup toll0% of theoriginalprincipalamount

2. Last nstallment ueandpaid March 1.2009

3. Dateof first unpaid nstallment/defaultdate

April 1, 200g

AMOL-TNTDUE

4. Principal alance$2.465.365.53

5. *lnterest@ 4.203%

fromMarch1,2009

6. Late charges ommencingApri l 16,2009@2%p&I

(to be determined)

7. Accrued atecharges rior to default $0.00

8. Escrow alance$_13.623.03

* To be computed o the date ofjudgment.

( 0-000019)



SCHEDULE A _ DEFENDANTS

DEFENDANTSCAPACITY

HermanLamison32 Mill FarmLaneSouthampton, y 11969

"JOHN DOE #l through

Ownerof recordandObligorby virtue of theConsolidation nd/orModification Agreementreferred o in ScheduleD attached eieto.

Saidnamesbeing ictitious, t being heintentionof Plaintiff to designate ny andalloccupants,enants, ersonsor corporations,fany,havingor claiming an interesi n or lienupon hepremises eing oreclosed erein.

"JOHNDOE#10"



SUPREMECOURTOF THESTATEOFNEW YORKCOLINTYOF SUFFOLK

Citibank,N.A. asTrustee or AmericanHome Mortgage

AssetsTrust2006-3Mortgage-Backedass_ThroushCertificates, eries 006-3.

Plaintift,

-against-

HermanLamison, nd "JOHNDOE #1" through JOHNDoE #10", he as t en names eing ictitiousandunknownto thePlaintiff, the personor parties ntendedbeing hepersonor parties, f any,havingor claiming an nterestn or

lien upon he mortgagedpremises escribedn the complaint,Defendants.

MORTGAGEFORECLOSURECOMPLAINT

IndexNo.

DateFiled:

The Plaintiff herein,by its Attorneys,Shapiro,DiCaro & Barak,LLp, complainsof the

defendantsbovenamed, nd or it s cause f action,alreges:

First: That hePlaintiffherein, t al l timeshereinaftermentionedwasandstill is

a duly authorizedCorporationor Associationandhavingan office at 4g75Belfort Rd..

Suite 30, Jacksonville, lorida 32256.

PLAINTIFF FURTHER ALLEGESUPON INFORMATION AND BELIEF

Second: The defendants et orth in Schedule A" resideor havea placeof

business t the address et orth therein anythatarecorporations eingorganizedandexisting

under he awsof the Stateset orth therein)andaremadedefendantsn this action n the

capacitieshereinallegedandfor thepurposeof foreclosingandextinguishingany otherright,

title or interest aiddefendants ay have n thesubject remises.



Third: That theUnited States f America,The Peopleof the Stateof New york,

The StateTax commission of the stateof New York, the Industrialcommissionerof the State

of New York andall otheragencies r instrumentalities f theFederal,Stateor local government

(by whatevernamedesignated)f madeparties o this actionand f appearingn Schedule ,B,,,

aremadepartiessolelyby reasonof thematerialset orth in Schedule ,B,,andfor no other

reason.

Fourth: Thatheretofore,he defendant(s), ermanLamison, or thepurposeof

securingo AmericanHomeMortgage,ts successorsndassigns,hesumof $2.250.000.00

recordedn theSuffolkCountyClerk'soffice on August 16,2006,inLiber 21364 f Mortgages,

page761not to exceed egative mortization mountup to 110%of theoriginalprincipal

amount,duly madea certainbond,note,consolidation, xtension,modification, ecasting, r

assumption greement, s he casemay be,whereinandwhereby heybound hemselves,heir

heirs,executors, dministratorsndassigns, nd eachandeveryoneof them, ointly and

severally, n the amountof saidsumof money,all asmore ully appearsogetherwith the terms

of repaymentof saidsumor rightsof theplaintiff in saidbond,noteor other nstrument,a copy

of which is attached eretoandmadea parthereof.

Fifth: Thatassecurity or the paymentof said ndebtedness, consolidation,

extensionand/ormodificationagreementwasexecuted, cknowledged nd delivered o

AmericanHomeMortgage.recordedn theSuffolkCountyClerk'soffice on August 16,2006, n

Liber 21364of Mortgages' age761,whereinandwhereby hemortgagor(s) amed herein

mortgaged' argained, ranted n nterestn and/orsold o themortgagee,ts successorsnd

assigns,hepremisesmoreparticularly escribedherein, ereinafter alled ,mortgaged

premises", ndercertain onditionswith rights,dutiesandprivileges etween r amons hemas



more fully appearsn saidconsolidation, xtension nd/ormodificationagreement, copyof

which is attached eretoandmade aparthereof. Said ConsolidationExtensionModification

Agreement(hereinafterthe Mortgage")consolidatedhe mortgage(s)eferred o in ScheduleD

hereof o form a single irst mortgageien n the sumof $2,250,000.00.

Sixth: That the Plaintiff is the owner and holderof the subjectmortgageand

note,or hasbeendelegatedhe authority o institutea mortgage oreclosure ctionby the owner

andholderof the subjectmortgageandnote.

Seventh: That the saidmortgageswere duly recordedand he mortgage ax due

thereonwasduly paid on therecorded nstrument n theproperCountyClerk'sOffice at the

placeand ime which appearshereon. If Plaintiff is not the originalmortgageehen nformation

regardinghe chainof title will be containedn Schedule .

Eighth: That the defendants, ermanLamison,so named.have ailed and

neglectedo complywith theconditions f saidmortgage, ondor noteby omittingand ailing

to pay themonthly paymentsof principal, nterest, axes,assessments,aterrates, nsurance

premiums,escrowand/orothercharges, ll as more fully appearn ScheduleC, and accordingly,

theplaintiff hasduly electedanddoesherebyelect o call due he entireamountpresently

secured y the mortgagedescribedn paragraph FIFTH" hereof.

Ninth: That heretoforeandprior to thecommencement f this action,part of the

original principal sum waspaid to applyon said ndebtednessnd here emainsdue he amount

set orth n saidScheduleC.

Tenth: That in order o protect ts security, he plaintiff haspaid,asset orth in

Schedule , and/ormaybe compelled uring hependency f thisaction o pay ocal axes,

assessments,ater rates, nsurance remiums, nspections nd othercharges ffecting he



mortgaged remises, nd he plaintiff requestshatanysums huspaidby it for saidpurposes

(togetherwith interestshereon)shouldbe added o the sumotherwisedueandbe deemed

secured y the saidmortgageandbe adjudgeda valid lien on themortgagepremises.

Eleventh: That the defendants ereinhave,or claim to have,some nterest n or lien

upon,saidmortgaged remises r somepart thereof,which interestor lien, if any,hasaccrued

subsequento the ien of plaintifflsmortgage.

Twelfth: That thereareno pendingproceedings t law or otherwise o

collector enforcesaidbond/noteandmortgageand hat here s no otheraction pendingwhich

hasbeenbrought o recoversaidmortgagedebtor anypart thereof.

Thirteenth: That the Schedules, xhibitsandother temsattachedo this

complaintareexpresslyncorporated ndmadea partof this Complaint or all purposeswith the

same orce andeffectas f theywerecompletelyand ully set orth hereinwherever eference

hasbeenmade o eachof anyof them.

Fourteenth: That by reasonof the foregoing,here s now dueandowing to the

plaintiff uponsaidbond,note,assumption greement,onsolidation greement,r recastina

agreement,he amountset orth in ScheduleC.

Fifteenth: The mortgageprovides hat, n the caseof foreclosure,he

mortgaged remisesmay be sold n oneparcel.

Sixteenth: The Plaintiff shallnot be deemed o havewaived,altered, eleased

or changedhe electionhereinbeforemadeby reasonof the paymentor perfbrmance, fter he

dateof thecommencementf thisaction,of anyor all of thedefaultsmentioned erein;andsuch

election hallcontinue nd emaineffective ntil thecosts nddisbursementsf thisaction.and



'al l presentand uturedefaultsunder he Note andMortgageandoccurringprior to the

discontinuance f this actionare ully paid andcured.

Seventeenth: Pursuanto the Fair Debt CollectionPracticesAct, this actionmay

be deemedo be an attempt o collecta debt,on behalfof Plaintiff. Any informationobtainedas

a resultof this actionwill be used or that purpose.

Eighteenth: If the subjectnoteandmortgage all within the prescribed

definition of a subprimehome oanor high-costhome oanas dentifiedundersectionsix-l or

six-m of theNew York StateBanking Law, thenPlaintiff hascompliedwith all theprovisionsof

section ive-hundredninety-five of theNew York StateBankingLaw andanyrulesand

regulations romulgated hereunder, ectionsix-l or six-m of theNew York StateBankingLaw

and section hirteenhundred our of New York StateRealPropertyActions andproceedines

Law.

WHEREFORE, plaintiffdemandsudgment:

(a) Adjudging anddecreeinghe amountsdue he plaintiff for principal, nterest,

costs,andreasonable ttorney's ees, f andasprovided or in the saidmortgage;

(b) That the defendants nd all persons laimingby, throughor under hem,or either

or anyof them,subsequento the commencement f this actionandeveryotherpersonor

corporationwhose ight, title conveyance r encumbrances subsequento or subsequently

recorded,may be barredand orever oreclosedof all right, claim, ien, or interest,or equity of

redemptionn and o saidmortgaged remises;

(c) That the saidmortgaged remises, r suchpart thereofasmay be necessaryo

raise heamountshendue or principal, nterest, osts, easonablettorney'sees,allowances



'anddisbursements,ogetherwith anymoniesadvanced ndpaid,may be decreedo be sold

accordingo law;

(d) That out of themoniesarising rom thesale hereof, he plaintiff may be paid the

amounts hendueon saidbond/noteandmortgageandany sumwhich may havebeenpaid by

theplaintiff to protect he lien of plaintiffs mortgageashereinset orth, with interestuponsaid

amounts rom thedatesof therespective aymentsandadvanceshereof, he costsandexpenses

of this action,additionalallowance, f any,andreasonable ttorney,sees, f andas provided or

in themortgage' ider or otheragreement, o far as he amountof suchmoneyproperly

applicableheretowill pay the same;

(e) That eitheror any of theparties o this actionmay becomea purchaser pon such

sale;

(0 Thatthis Court forthwith appointa Receiverof the rentsand profits of said

premises ith tlie usualpowersandduties;

(g)Thatthedefendant(s),HermanLamison,maybe

adjudgedo payany deficiency hatmay remainafterapplyingall of saidmoniesso applicable

thereto;

(h) That the United States f America shallhave he right of redemption, f

applicable;

(i) That the plaintiff may havesuchotheror furtherrelief, or both, n the premisesas

maybe

us tandequitable.



Plaintiff specifically eservests right to sharen anysurplusmoniesarising rom the

saleof subject remises y virtueof i ts positionasa udgmentor other ien creditorexcludins

the mortgagebeingforeclosed erein.

Dated: anuary I,2010

SHAPIRO,DICARO & BARAK, LLPAttomeysfor Plaintiff250Mile CrossingBoulevardSuiteOneRochester, Y 14624(s8s)247-9000OurFileNo. 0-000039

/ uvtrL f '"--l-/

MichaelJ. Chatwin.Esq.

Documents

Lamison 32MillFarm