Wells Fargo Bank, N.A. v. Yoo Mi Min

202 A.D.3d 645

159 N.Y.S.3d 855 (Mem)

WELLS FARGO BANK, N.A., Plaintiff–Appellant,

v.Yoo Mi MIN also known as Yoomi Min, Defendant–Respondent,Ji You Min also known as Yi Joun Min et al., Defendants.

15370

Index No. 850295/17

Case No. 2021–00132

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

ENTERED February 24, 2022

McCalla Raymer Leibert Pierce LLC, New York (Charles H. JeanFreau of counsel), for appellant.

Law Firm of Kim Choi & Kim, P.C., Bayside (Dong Sung Kim of counsel), for respondent.

Acosta, P.J., Kapnick, Friedman, Singh, Pitt, JJ.

Order, Supreme Court, New York County (Arlene P. Bluth, J.), entered August 2, 2019, which denied plaintiff's motion for summary judgment and granted defendant Yoo Mi Min a/k/a Yoomi Min's cross motion to dismiss the complaint as time-barred, unanimously affirmed, without costs.

Defendant established prima facie that this 2017 foreclosure action was commenced more than six years from the date on which the debt was accelerated ( CPLR 213[4] ; see Norddeutsche Landesbank Girozentrale v. Tilton, 149 A.D.3d 152, 158, 48 N.Y.S.3d 98 [1st Dept. 2017] ), and plaintiff failed to raise an issue of fact (see MTGLQ Invs., LP v. Wozencraft, 172 A.D.3d 644, 102 N.Y.S.3d 25 [1st Dept. 2019], lv denied 34 N.Y.3d 1010, 115 N.Y.S.3d 205, 138 N.E.3d 1089 [2019] ).

The mortgage was accelerated when plaintiff's predecessor commenced the first foreclosure action in 2010 (see Nationstar Mtge. LLC v. Islam, 158 A.D.3d 553, 553, 68 N.Y.S.3d 719 [1st Dept. 2018] ; City Sts. Realty Corp. v. Jan Jay Constr. Enters. Corp., 88 A.D.2d 558, 559, 450 N.Y.S.2d 492 [1st Dept. 1982] ). Plaintiff elected to accelerate by an unequivocal overt act (see Freedom Mtge. Corp. v. Engel, 37 N.Y.3d 1, 22–23, 146 N.Y.S.3d 542, 169 N.E.3d 912 [2021] ). It stated in its complaint that "the [d]efendant(s) ... has/have failed to comply with the conditions of the mortgage and note .... Accordingly, [p]laintiff elects to call due the entire amount secured by the mortgage." The 2010 action was marked "off" the calendar in March 2014 due to plaintiff's failure to comply with a court directive. Although plaintiff moved in 2015 and again in 2016 to vacate and restore the action without prejudice, the action was never restored.

The fact that the 2010 action was marked "off," as opposed to dismissed, does not alter the result (see CPLR 3404 ["A case ... marked ‘off’ ..., and not restored within one year thereafter, shall be deemed abandoned and shall be dismissed"]). Plaintiff failed to rebut the presumption of...