Green Tree Servicing, LLC v. Weiss

222 A.D.3d 626

201 N.Y.S.3d 175

GREEN TREE SERVICING, LLC, appellant,

v.Abraham WEISS, et al., respondents, et al., defendants.

2021–05416

Index No. 33634/15

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

Submitted—June 22, 2023

December 6, 2023

Aldridge Pite, LLP, Melville, NY (Kenneth Sheehan of counsel), for appellant.

Allen A. Kolber (Mischel & Horn, P.C., New York, NY [Scott T. Horn ], of counsel), for respondents.

COLLEEN D. DUFFY, J.P., LARA J. GENOVESI, DEBORAH A. DOWLING, JANICE A. TAYLOR, JJ.

DECISION & ORDER

In an action, inter alia, to foreclose a mortgage, the plaintiff appeals from an order of the Supreme Court, Rockland County (Robert M. Berliner, J.), dated June 3, 2021. The order, insofar as appealed from, upon renewal, adhered to a prior determination in an order of the same court dated September 17, 2019, inter alia, granting that branch of the motion of the defendants Abraham Weiss and Esther Weiss which was pursuant to CPLR 3211(a) to dismiss the complaint insofar as asserted against them as barred by the statute of limitations.

ORDERED that the order dated June 3, 2021, is affirmed insofar as appealed from, with costs.

In June 2009, BAC Home Loan Service, L.P., formerly known as Countrywide Home Loan Servicing, Inc. (hereinafter BAC), commenced an action against the defendants Abraham Weiss and Esther Weiss (hereinafter together the defendants) to foreclose a mortgage (hereinafter the mortgage) encumbering certain real property in Spring Valley (hereinafter the 2009 action). However, BAC did not prosecute the 2009 action and filed a notice of discontinuance of the 2009 action on October 23, 2015.

In July 2015, approximately two months before the plaintiff moved to discontinue the 2009 action, the plaintiff commenced this action to foreclose the mortgage. After joining issue, the defendants moved, inter alia, pursuant to CPLR 3211(a) to dismiss the complaint insofar as asserted against them as barred by the statute of limitations. The plaintiff opposed. As relevant to the appeal, by order dated September 17, 2019, the Supreme Court, inter alia, granted that branch of the defendants’ motion which was to dismiss the complaint insofar as asserted against them as barred by the statute of limitations (hereinafter the September 2019 order).

Thereafter, the plaintiff moved pursuant to CPLR 2221(e)(2) to renew its opposition, inter alia, to that branch of the defendants’ motion which was to dismiss the complaint as time-barred based upon the holding in Freedom Mtge. Corp. v. Engel , 37 N.Y.3d 1, 146 N.Y.S.3d 542, 169 N.E.3d 912. The defendants opposed. By order dated June 3, 2021, the Supreme Court, inter alia, granted that branch of the plaintiff's motion which was for leave to renew, and, upon renewal, adhered to its prior determination in the September 2019 order. The plaintiff appeals, contending that the complaint was timely interposed as the matter was commenced before the expiration of the statute of limitations period governing actions to foreclose mortgages. We affirm.

An action to foreclose a mortgage is governed by a six-year statute of limitations (see CPLR 213[4] ; Lubonty v. U.S. Bank N.A., 34 N.Y.3d 250, 261, 116 N.Y.S.3d 642, 139 N.E.3d 1222 ; U.S. Bank N.A. v. Dallas, 212 A.D.3d 680, 682, 182 N.Y.S.3d 707 ). "[E]ven if a mortgage is payable in installments, once a mortgage debt is accelerated, the entire amount is due and the Statute of Limitations begins to run on the entire debt" ( BHMPW Funding, LLC v. Lloyd–Lewis, 194 A.D.3d 780, 782, 149 N.Y.S.3d 141 [internal quotation marks omitted]; see GMAT Legal Title Trust 2014–1 v. Kator, 213 A.D.3d 915, 916, 184 N.Y.S.3d 805 ). Acceleration occurs, inter alia, by the commencement of a foreclosure action wherein the holder of the note elects in the complaint to call due the entire amount secured by the mortgage (see Freedom Mtge. Corp. v. Engel, 37 N.Y.3d at 22, 146 N.Y.S.3d 542, 169 N.E.3d 912 ; GMAT Legal Title Trust 2014–1 v. Kator, 213 A.D.3d at 916, 184 N.Y.S.3d 805 ; Ditech Fin., LLC v. Connors, 206 A.D.3d 694, 697, 170 N.Y.S.3d 560 ).

On a motion to dismiss a complaint "on the ground that the statute of limitations has expired, the moving defendant must establish, prima facie, that the time in which to commence the action has expired" ( U.S. Bank N.A....