Opinion
2014-02-26
WELLS FARGO BANK, NA, respondent, v. Dimple JOSHI, appellant.
Vivek Suri, New York, N.Y., for appellant. Fulton Friedman & Gullace, LLP, Rochester, N.Y. (Jason P. Verhagen of counsel), for respondent.
Vivek Suri, New York, N.Y., for appellant. Fulton Friedman & Gullace, LLP, Rochester, N.Y. (Jason P. Verhagen of counsel), for respondent.
In an action to foreclose a mortgage, the defendant appeals from an order of the Supreme Court, Nassau County (Iannacci, J.), dated July 24, 2012, which denied her motion pursuant to CPLR 5015(a)(1) to vacate her default in answering the complaint or appearing in the action.
ORDERED that the order is affirmed, with costs.
A defendant seeking to vacate a default judgment pursuant to CPLR 5015(a)(1) must demonstrate a reasonable excuse for the default and a potentially meritorious defense ( see Eugene Di Lorenzo, Inc. v. A.C. Dutton Lbr. Co., 67 N.Y.2d 138, 141, 501 N.Y.S.2d 8, 492 N.E.2d 116;Capital Source v. AKO Med., P.C., 110 A.D.3d 1026, 1026, 973 N.Y.S.2d 794;Wells Fargo Bank v. Malave, 107 A.D.3d 880, 881, 968 N.Y.S.2d 127;CEO Bus. Brokers, Inc. v. Alqabili, 105 A.D.3d 989, 990, 963 N.Y.S.2d 711). Here, even if the defendant established a reasonable excuse for her default, she failed to demonstrate that she had a potentially meritorious defense to this foreclosure action. Accordingly, the Supreme Court properly denied the defendant's motion pursuant to CPLR 5015(a)(1) to vacate her default.
The defendant's remaining contentions are without merit. MASTRO, J.P., DICKERSON, LOTT and HINDS–RADIX, JJ., concur.