Wells Fargo Bank, N.A. v. Singh

2021 NY Slip Op 04575

Wells Fargo Bank, N.A., respondent, v. Mona Balkaran Singh, etc., et al, appellants, et al., defendants.

No. 2019-13938, Index No. 712902/16

Supreme Court of New York, Second Department

July 28, 2021

Sharova Law Firm, Brooklyn, NY (Yelena Sharova and Charles Marino of counsel), for appellants.

Akerman LLP, New York, NY (Eric M. Levine, Ashley S. Miller and Erica R. S. Goldman of counsel), for respondent.

MARK C. DILLON, J.P., LEONARD B. AUSTIN, BETSY BARROS, ANGELA G IANNACCI, JJ.

DECISION & ORDER

In an action to foreclose a mortgage, the defendants Mona Balkaran Singh and Ramnaraine Singh appeal from an order and judgment of foreclosure and sale (one paper) of the Supreme Court, Queens County (Denis J. Butler, J.), entered October 16, 2019. The order and judgment of foreclosure and sale, upon orders of the same court entered October 3, 2017, and April 13, 2018, granting the plaintiff's unopposed motion, among other things, for summary judgment on the complaint insofar as asserted against those defendants, to strike their answer, and for an order of reference, and upon an order of the same court entered February 19, 2019, denying those defendants' motion, inter alia, to vacate the orders entered October 3, 2017, and April 13, 2018, among other things, directed the sale of the subject property.

ORDERED that the order and judgment of foreclosure and sale is affirmed, with costs.

In October 2016, the plaintiff commenced this action against the defendants Mona Balkaran Singh and Ramnaraine Singh (hereinafter together the defendants), among others, to foreclose a mortgage on certain real property in Queens. The defendants interposed an answer in which they asserted various affirmative defenses. In July 2017, the plaintiff moved, among other things, for summary judgment on the complaint insofar as asserted against the defendants, to strike their answer, and for an order of reference. The defendants failed to oppose the motion. By orders entered October 3, 2017, and April 13, 2018, the Supreme Court, inter alia, granted the plaintiff's unopposed motion.

In November 2018, the defendants moved to vacate the orders entered October 3, 2017, and April 13, 2018, and to dismiss the complaint insofar as asserted against them for failure to comply with RPAPL 1304. By order entered February 19, 2019, the Supreme Court denied the motion, and thereafter, issued an order and judgment of foreclosure and sale, among other things, directing the sale of the subject property. The defendants appeal.

A party seeking to vacate an order entered upon his or her default in opposing a motion must demonstrate both a reasonable excuse for the default and a potentially meritorious opposition to the motion (see CPLR 5015[a][1]; U.S. Bank N.A. v Moultrie, 186 A.D.3d 525, 525-526). "The court has discretion to accept law office failure as a reasonable excuse (see CPLR 2005) where the claim is supported by a detailed and credible explanation of the default" (Option One Mtge. Corp. v Rose, 164 A.D.3d 1251, 1252), but mere neglect will not be accepted as a reasonable excuse (see U.S. Bank, N.A. v Essaghof, 178 A.D.3d 876, 878).

Here the defendants asserted that their failure to oppose the plaintiff's motion was the result of law office failure. However, they...