"In a recent lawsuit, Chase Bank v Harridass, in the Supreme Court, Queens County, the clients of the law firm of Rubin & Licatesi PC were faced with Chase Bank seeking a summary judgment. The family, homeowners in Jamaica, Queens, visited our law firm seeking to consult on their civil rights, defending the foreclosure and keeping their home. In fact, the court action taken by Chase Bank was directly intended to create the anticipated auction of our clients’ home. The attorneys in Rubin & Licatesi PC present a unique focus in the defense of mortgage foreclosure actions and with the commitment of our clients the law firm opposed the motion and demonstrated that Chase Bank did not prove its case. The Court found that Chase Bank failed to meet its burden of demonstrating that it strictly complied with the mandates of RPAPL S.1304. When facing a mortgage foreclosure lawsuit, homeowners should be made aware of their civil rights. A bank cannot move forward without sufficient evidence to establish its practices and strict compliance with the law was mandated by the Supreme Court in this decision to protect the rights of the homeowners and clients of the the law firm of Rubin & Licatesi PC Remember, the banks have attorneys and so should you."
"The law firm of Rubin & Licatesi PC recently shared in a victorious decision in the Supreme Court, Kings County in the case Horrigan Development v Drozd. The client of the law firm, owner of a small multi family house in Greenpoint, Brooklyn entered into a contract of sale in 2010 to sell to a real estate developer. After the contract was signed certain legal issues were encountered, including the death of his brother in Poland. Our client was sued in the Brooklyn Supreme Court by the developer for specific performance of the contract. With great care and devotion, the attorneys at Rubin & Licatesi PC were convinced that the client’s rights had been violated and that the home should remain with the family, rather than be forced to sell to a developer. With consideration, the Supreme Court decision upheld the rights of the client and expressly found that it was the developer who breached the contract. The law firm of Rubin & Licatesi PC participated in the defense of this action and remains pleased and proud to represent the homeowner and defend his civil rights in the protection of the Greenpoint, Brooklyn home. The complaint was dismissed."
For more than 6 years, a family faced foreclosure and potential auction of their home in this mortgage foreclosure lawsuit. Our client did not answer the summons and complaint and was in default and danger of losing their home. In consultation with the law firm of Rubin & Licatesi PC and with the unique focus of the law firm to defend and protect the civil rights of homeowners in this Queens County action, the attorneys argued successfully that the Bank violated the rights of our client. The law is clear that a default judgment must be moved for within a year or the action must be dismissed. With the commitment of the homeowner to defend and keep their home and facing the potential loss and auction of their home , the law firm of Rubin & Licatesi PC successfully argued and the Court found that the action must be dismissed. The dismissal of the foreclosure action, some 6 years after it had been commenced gave the clients an enormous sense of relief. Senior partner, Richard H Rubin Esq., personally met with the client after the decision and was gratified to be a part of the family recovery and victory in this case. "It is a humbling moment to have a client visit with us in our law firm after the case has been dismissed and to share the emotion and relief that the family will not be evicted or lose their home.
A compelling case was brought to the attorneys at Rubin & Licatesi PC by a Brooklyn family facing foreclosure and eventual auction and sale of their home. HSBC bank tried to obtain a court judgment against the clients of the law firm. In discussing the case, the attorneys at Rubin & Licatesi PC were retained to defend the family in this lawsuit which was brought 2 years ago but not defended. The Court found that the homeowners presented a suitable case to defend and compelled HSBC Bank to accept the late answer. The Court determined that there were questions raised by the homeowners, represented by Rubin & Licatesi PC, and the foreclosure lawsuit will now be defended in court. Richard Rubin, Esq. , senior partner in the law firm of Rubin & Licatesi PC, together with the attorneys in the firm, have now successfully defended the family and homeowners in this phase of the lawsuit and will continue to vigorously fight for the civil rights of all homeowners facing foreclosure and auction.
Our firm represents the homeowner in an action where the Plaintiff bank seeks to remove clouds on title based on the bank’s predecessor in interest failure to record the mortgage and assignments with the Clerk. Plaintiff’s summary judgment was denied because Defendant raised a question of fact as to whether the mortgage was valid on its face. To be entitled to an order compelling the Clerk to record a lost instrument the Plaintiff must prove that the mortgage is valid on its face. Based on the opposition of the Defendant which argued that there was no proof that the mortgage was a true and certified copy the Court held that Plaintiff was not entitled to an award of summary judgment.
In this Suffolk County residential mortgage foreclosure lawsuite, Rubin & Licatesi PC provided counsel and legal representation to a family seeking to keep their home from a judgment of foreclosure. The family met with Rubin & Licatesi PC and shared that several years ago the summons and complaint was not received, leading to their failure to answer and appear in the lawsuit and the loss of valuable civil rights. The Court found that the process server’s actions against the deprivation of due process and the lawsuite seeking to foreclose was dismissed.
Rubin & Licatesi PC received an urgent call from a new family, defending against a bank seeking to enter a money judgment in New York arising from a Florida mortgage and debt. So often, our New York families have nowhere to turn to after facing the loss of their vacation homes and dreams in Florida and other warmer climes. The family consulted with Rubin & Licatesi PC, worried that their losses in Florida would continue to haunt them in New York as they sought to plan out their financial recovery. The Court found in favor of the family and the action was dismissed. Rubin & Licatesi PC provided counsel and legal representation to this family, allowing the family to continue to recover and plan ahead for better things to come.
In an action to foreclose a mortgage, the plaintiff appeals from an order of the Supreme Court, Westchester County, entered December 4, 2012, which granted those branches of the motion of the defendants Cohen and Cohen which were, in effect, pursuant to CPLR 5015(a) to vacate a judgment of foreclosure and sale dated June 1, 2011, upon their failure to appear or answer the complaint, and to set aside the sale of the subject property. City Savings Bank against Cohen
By Order dated August 4, 2016, the Honorable Bernice D. Siegal of the Supreme Court Queens County denied Plaintiff's application for Summary Judgment as a result of Defendant's opposition to same. Plaintiff's application for Summary Judgment was denied based upon Defendant's arguments alleging the timeliness of Plaintiff's application and Plaintiff's failure to demonstrate its standing in the action. Defendant argued Plaintiff's motion was untimely as it was filed 120 days after the filing of the note of issue and, as a result violated CPLR 3212(a). Moreover, CPLR 3212(a) provided an exception for untimely motions, if the moving party can establish "good cause" as to why the motion was untimely. However, the Court determined Plaintiff failed to establish "good cause" for the delay and ruled in favor of Defendant. The Court also determined Defendant's allegation questioning Plaintiff's standing in the action had merit. The Court found that Plaintiff failed to refute Defendant's allegation of a lack of standing as Plaintiff's affidavit in support of its application was insufficient to demonstrate that Plaintiff had standing at the time of commencement. Specifically, the Court determined that Plaintiff's representative did not maintain personal knowledge of the record keeping practices and procedures of Plaintiff and therefore could not attest to Plaintiff's standing. As a result, Plaintiff's application for summary judgment was denied.
By Order dated May 23, 2016, the Honorable Jeffrey Arlen Spinner of the Supreme Court Suffolk County denied Plaintiff's application for Order of Reference and granted Defendant's cross-motion for Summary Judgment. In the case at hand, Defendant properly raised the issue of Plaintiff's standing to sue. Plaintiff unsuccessfully rebutted Defendant's allegation and failed to established that it enjoyed ownership of both the mortgage and the underlying note at the time of the commencement of the foreclosure action. The Court found that Defendant established and, Plaintiff failed to prove, by a fair preponderance of credible, relevant and material evidence, that Plaintiff was vested with standing to seek enforcement of the note at the time of the commencement of the action. As a result, the Court dismissed the Complaint.
Wells Fargo Bank against Obi
Plaintiff commenced the instant residential foreclosure action on June 29, 2009 after defendants defaulted on their monthly mortgage payments.
Deutsche Bank National Trust Company against Foster
Plaintiff, Deutsche Bank National Trust Company has moved pursuant to CPLR 3212, for an order awarding summary judgment in favor of the plaintiff and against the defendant/borrower Foster.
Long Island Mortgage Help
Long Island Home owners in distress will soon be eligible to apply for new low-cost loan foreclosure.
Attorney general sues HSBC over foreclosures
Thousands of New Yorkers have likely been denied a better chance to get their homes out from under foreclosure by HSBC Bank USA and its Depew mortgage operations facility, Attorney General Eric Schneiderman is charging in a new lawsuit.
Rubin & Licatesi, P.C., had victory in the Appellate Division, Second Department
The Appellate Division, Second Department reversed the lower Court's dismissal of our client's Labor Law action under Section 240 of the Labor Law.
Rubin & Licatesi successfully defended their client's property against foreclosure efforts by a lender with evidence of "Robo-Signing" practices by the bank. "Our client was in default for many years and was concerned about the loss of his rights and his home. He hired our firm to defend against the foreclosure of his home in a" Robo-Signing case," said firm partner Richard Rubin. "We are proud that our client was granted the right to voice and protect his rights and that the Robo-Signing issues will be openly brought to light. See more at: Law Firm of Rubin & Licatesi Defends Client Against Foreclosure in Robo-Signing Case.
Suffolk County jury verdict was rendered in favor of the plaintiff in the amount of $1,025,000 for personal injuries sustained in a Long Island car crash. On January 11th 2007, 35 year old plaintiff, a Long Island banker, was involved in a motor vehicle accident on Route 112, in Medford, NY. Plaintiff was stopped at a red traffic signal when the rear of his vehicle was struck by the defendant's vehicle that was being driven in a negligent manner. Plaintiff sustained injuries to his neck, back and shoulder. Plaintiff initiated a lawsuit in the Supreme Court of Suffolk County as a result of the car crash. In this Long Island motor vehicle accident, Plaintiff alleged that the Defendant driver was negligent in the operation of his motor vehicle. Plaintiff further alleged that The County of Suffolk was vicariously liable for the defendant driver's actions as he was an employee of the County and driving in a reckless and negligent manner. Rubin & Licatesi, plaintiff's personal injury attorney moved for summary judgment on the issue of liability, and the motion was granted. The trial by jury addressed plaintiff's serious injuries sustained in the car accident which included a herniated disc at C4-5 with annular tears in the cervical spine combined with decreased ranges of motion resulting in a surgical spinal diskectomy and fusion utilizing hardware.
On March 8, 2012, the Department of Financial Services (DFS) issued a new regulation that will enable New York State to investigate and ban medical providers who engage in fraudulent and deceptive practices from participation in no-fault. The preamble to the new regulation makes it clear that the DFS investigation will focus on the "ownership, control, and daily operation of professional service corporations...by individuals who are not licensed to practice medicine." See the full post on the the new regulation issued by the DFS >>
"In a recent case in which our law firm represented a homeowner, the lender sought summary judgment against our client in order to move forward and sell her home at a foreclosure sale. Our client, facing a default in answering her lawsuit in court months prior to contacting our firm, thought that she was protected but later learned the serious consequences of failing to properly defend herself in court. In opposition to the motion, the client found a solution through the judiciary and the courts of our state. "The court may excuse defendant's default and extend time to file an answer upon a demonstration of a reasonable excuse and a meritorious defense... Defendant (homeowner) has established a reasonable excuse...because she relied on her (prior) attorney, who had filed an appearance in the action on her behalf to handle the foreclosure action... Defendant (homeowner) has also established the existence of a potentially meritorious defense... Plaintiff (lender) must be the holder or assignee of the mortgage and underlying note at the time the action is commenced... Plaintiff has failed to submit any evidence that the underlying note was assigned or physically delivered before the action was commenced. Accordingly, Plaintiff's motion for an order of reference is denied and defendant's cross-motion for an extension of time to file an answer is granted."
"A Homeowner may seek dismissal of a claim if the plaintiff cannot show it has legal capacity to sue. In an action for foreclosure, Plaintiff must show that it is the owner of the note as well as the mortgage at the time the action is commenced. Absent an effective transfer of the debt as well as the note, the assignment of the mortgage is void and Plaintiff cannot foreclose on the property for nonpayment of the note. MERS must hold title to the underlying note and without that, it could not transfer any rights to the underlying note when it assigned the mortgage."
"In an action instituted by a Trust, as a collateral agent and custodian, as a plaintiff in an action to foreclose a home mortgage, the court denied the plaintiff's request for an order of reference and related relief without proof that the Trust has a valid power of attorney for that express purpose, along with an original or a certified copy of the Servicing Agreement, to determine if the servicing agent may proceed on behalf of the plaintiff, together with an affidavit of merit by a person with personal knowledge of the facts."
"At least 90 days before legal action is commenced, the lender must give statutorily prescribed notice to the borrower in at least 14 point type, by registered or certified mail and also by first class mail to the last known address of the borrower, and if different, to the residence which is the subject of the mortgage. Absent proper evidentiary proof of compliance with such pre-commencement requirements, the action is dismissed."
"Absent the essential elements of proper signatures on a note, a valid mortgage cannot exist because it is the underlying obligation which gives rise to the validity of the mortgage as a lien upon the real property and mandates the denial of plaintiff's application for summary judgment."
"The court will require proof of the grant of authority from the original lender to the instant plaintiff to permit a mortgage foreclosure action to proceed along with an affidavit by persons with personal knowledge of the facts, as opposed to those by a "robosigner". To allow an action to continue, without such proof, makes a mockery of and wastes the resources of the judicial system. The purpose of the doctrine is to assure that a court retains its ability to effect justice."
"The plaintiff bank offered a 3 month trial modification agreement, accepted the payments from the homeowner and denied the final modification after one year, but accepted an additional 10 monthly payments, without protest from the homeowner. The court ordered a hearing to determine if the plaintiff acted in good faith, whether sanctions should be imposed or other measures taken."