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Mortgage Foreclosure


The Relation Back Doctrine and Statutes of Limitation in Mortgage Foreclosure Actions
Today’s BLOG deals with the “Relation Back Doctrine” (the “Doctrine”), which, inter alia, “allows a claim asserted against a defendant in an amended filing to relate back to claims previously asserted against a codefendant for Statute of Limitations purposes where the two defendants are “‘united in interest.’"”

Jonathan Freiberger
Aug 1, 20255 min read


Execution of Two Stipulations Proves Fatal to Defendant’s Motion for Relief Under CPLR 317
Appearing in an action may give rise to a waiver of a litigant’s right to challenge the court’s jurisdiction over the litigant. As explained in prior blog articles, it is axiomatic that a “plaintiff appears [in an action] merely by bringing it.”

Jonathan Freiberger
Jul 18, 20254 min read


Second Department Dismisses Two Mortgage Foreclosure Actions For Failure to Comply With RPAPL 1306
This BLOG has written extensively on a wide variety of issues in the area of mortgage foreclosure. One particular area that has been the subject of numerous articles is RPAPL 1304.

Jonathan Freiberger
Jun 27, 20255 min read


Second Department Finds Factual Issues Regarding the Applicability of RPAPL 1304 and Refuses to Expunge an Erroneously Recorded Satisfaction of Mortgage
This BLOG frequently writes about mortgage foreclosure, generally, and RPAPL 1304, specifically

Jonathan Freiberger
Jun 20, 20255 min read


Second Department Holds that Defendant Waived Right to Vacate a Foreclosure Sale Not Held Within 90 Days of Judgment of Foreclosure and Sale
In today’s Blog, we revisit the requirement in RPAPL 1351(1) that a foreclosure sale occur within 90 days of the date of the judgment of foreclosure and sale.

Jonathan Freiberger
May 30, 20254 min read


Second Department Holds Foreclosure Sale Still Valid Despite Reversal of Related Judgment of Foreclosure and Sale
In today’s article we will discuss Yesmin v. Aliobaba, LLC, an Opinion and Order rendered on May 14, 2025, in which the Appellate Division, Second Department, held that “a notice of pendency that was unexpired at the time of the foreclosure sale has no effect on the title acquired by a good faith purchaser for value from a sale conducted pursuant to the judgment of foreclosure and sale.”

Jonathan Freiberger
May 16, 20255 min read


The Second Department Holds That Lender Cannot Use CPLR 3215(c) to Avoid Dismissal of Foreclosure Action Despite Death of Borrower
Today’s article relates to a decision in a mortgage foreclosure action[1] that combines numerous concepts about which we have previously written.

Jonathan Freiberger
May 9, 20254 min read
FAPA and Statutes of Limitation Revisited
By: Jonathan H. Freiberger Today’s article revisits statute of limitations issues and FAPA [1] in residential mortgage foreclosure actions [2] . Briefly stated, a mortgage foreclosure action is governed by a six-year statute of limitations. CPLR 213(4) ; see also Anglestone Real Estate Venture Partners Corp. v. Bank of New York Melon , 221 A.D.3d 943, 946 (2 nd Dep’t 2023). When mortgage payments are payable in installments, the six-year period runs from each missed paymen
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Apr 18, 20254 min read
RPAPL 1501(4) and the Mortgagee in Possession Doctrine
By: Jonathan H. Freiberger Today’s article addresses a property owner’s right to cancel a recorded mortgage pursuant to RPAPL 1501(4) and whether a mortgagee is “is entitled to recover sums expended to preserve and maintain an allegedly abandoned property under equitable and quasi-contractual theories.” As discussed in prior articles, mortgages on real property are frequently delivered to lenders to stand as security for the repayment obligations evidenced by a promissory no
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Apr 11, 20257 min read
Why Do You Think They Are Called “Necessary Defendants” In Mortgage Foreclosure Actions?
By: Jonathan H. Freiberger There are certain categories of individuals and entities that are required to be named as defendants in mortgage foreclosure actions and the failure to name such “necessary defendants” can have serious implications. New York’s Real Property Actions and Proceedings Law § 1311 , which sets forth such “necessary defendants,” provides: Each of the following persons, whose interest is claimed to be subject and subordinate to the plaintiff's lien, shall
admin
Mar 28, 20254 min read
Improperly “Serving” a Notice to Appoint a New Attorney on Borrower Pursuant to CPLR 321(c), Did Not Serve the Lender Well in a Mortgage Foreclosure Action
By: Jonathan H. Freiberger Today’s article relates to CPLR 321(c) , a topic we have addressed before < here =">here</a>"> and < here =">here</a>"> . As previously discussed in this BLOG, once an attorney appears and becomes the attorney of record, the client is free to change counsel by filing with the clerk, a substitution of counsel stipulation, which must also be served on “the attorneys for all parties in the action or, if a party appears without an attorney, to the par
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Mar 21, 20254 min read
“867-5309” (The “Jenny” Principle and The Importance of Phone Numbers)
By: Jonathan H. Freiberger The title for today’s article refers to one of the most played songs by DJs at college parties, and VJs on the fledgling MTV Network, in the very early eighties. My hope in writing today’s article is that all readers of this BLOG in their 50s and early 60s are inspired to call the number 867-5309 and leave voice mail messages about RPAPL 1304 , the subject of today’s article. This BLOG has frequently written about mortgage foreclosure actions, in ge
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Mar 14, 20255 min read
“Just Once”[1] (The Second Department Reiterates That There is No Need to File an Answer to a Supplemental Complaint When an Answer was Interpose...
By: Jonathan H. Freiberger “Just Once,” which is an appropriate title for today’s article, is a James Ingram song from Quincy Jones’ “The Dude” album; an album I have listened to many times throughout, and after, college. Today we will discuss U.S. Bank National Assoc. v. Deblinger , a mortgage foreclosure action that resulted in a decision on February 26, 2025, by the Appellate Division, Second Department. In 2017, the lender commenced an action to foreclose a mortgage afte
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Feb 28, 20253 min read
“Missed it by That Much” – CPLR 205-A and FAPA
By: Jonathan H. Freiberger Seasoned attorneys will get the reference in the title of this article to one of Maxwell Smart’s catch phrases from “Get Smart”, but most of the younger folks might not. [1] In any event, the phrase seems prescient in light of a nuanced FAPA related change to CPLR 205 . As stated in prior BLOG articles, when a applicable statute of limitations expires during the pendency of an action, under certain circumstances, CPLR 205(a) permits the plaintiff t
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Feb 21, 20257 min read
Don’t Unwittingly Waive Goodbye to the Defense of Lack of Personal Jurisdiction
By: Jonathan H. Freiberger It is axiomatic that a “plaintiff appears merely by bringing it.” Deutsche Bank Nat. Trust Co. v. Hall , 185 A.D.3d 1006, 1007 (2 nd Dep’t 2020) (citation and internal quotation marks omitted). Once served with process, a defendant must appear in an action to avoid a default. CPLR 320(a) , which sets forth, inter alia, the way a defendant can appear in an action, provides that “ he defendant appears by serving an answer or a notice of appearanc
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Feb 14, 20254 min read
“Initiating Proceedings” Under CPLR 3215(c) Revisited
By: Jonathan H. Freiberger Today we revisit CPLR 3215(c) , a provision addressed by this BLOG several times before. See, e.g., < here =">here</a>"> , < here =">here</a>"> , < here =">here</a>"> , < here =">here</a>"> , < here =">here</a>"> , < here =">here</a>"> and < here =">here</a>"> . As previously discussed in our prior BLOGS, and by way of brief background, CPLR 3215(c) provides, in pertinent part, that: If the plaintiff fails to take proceedings for the entry of judg
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Feb 7, 20255 min read
Second Department Finds Sanctions Appropriate in Mortgage Foreclosure Action Due to, Inter Alia, the Constructive Notice Provided by the Filing of a Notice of Pendency
By: Jonathan H. Freiberger As readers of this BLOG know, we frequently address issues involving mortgage foreclosure, generally, and notices of pendency, specifically. Today’s article involves both issues with a sprinkle of sanctions. By way of background, and as explained in prior articles, a notice of pendency (or lis pendens ) is a provisional remedy available to litigants seeking a judgment that affects title to real property. 5303 Realty Corp. v. O&Y Equity Corp. , 64 N.
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Jan 24, 20255 min read
First Department Reverses, Inter Alia, Judgment of Foreclosure and Sale, Finding Questions of Fact As To Whether LLC Was Formed Solely To Avoid Usury Laws
By: Jonathan H. Freiberger As readers of this BLOG know, we frequently address issues involving mortgage foreclosure and usury. Today’s article involves both issues. By way of background, and as explained in prior articles, usury statutes were developed to “protect desperately poor people from the consequences of their own desperation.” Seidel v. 18East 17 th Street Owners, Inc. , 79 N.Y.2d 735, 740 (1992) (citations and internal quotation marks omitted). “To successfully r
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Jan 17, 20254 min read
Line of Credit Agreement Is Not Considered A Promissory Note And, Therefore, Creates Standing Issues in Mortgage Foreclosure Action
By: Jonathan H. Freiberger As readers of this BLOG know, we frequently address issues involved with mortgage foreclosure. Because of, inter alia , the frequency with which mortgages are bought, sold, assigned and otherwise transferred, one issue that frequently arises in mortgage foreclosure actions is whether the plaintiff has standing to commence its action. Briefly stated, “ tanding involves a determination of whether the party seeking relief has a sufficiently cognizabl
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Jan 10, 20255 min read
If At First You Don’t Succeed, Try, Try Again, Particularly If CPLR 306-b is Involved
By: Jonathan H. Freiberger Today’s BLOG article concerns CPLR 306-b . As previously explained in prior articles, actions or proceedings (collectively, “Actions”) are commenced by filing the initiatory papers with the appropriate county clerk. CPLR 304(a) . Once the Action is commenced, the plaintiff is required to serve the initiatory papers on the defendant, and generally such service must occur within 120 days after the Action is commenced. CPLR 306-b. “If service is not
admin
Dec 6, 20245 min read
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