Firm Update No. 2020-01本所动态 2020-01 号
In re Foreclosure of a Family Home: Settlement Conferences, Payoff and Discontinuance with Prejudice家庭住宅止赎案：和解会议、清偿贷款及附既判效力撤案
- Practice领域
- Real Estate房地产法
- Jurisdiction管辖
- Supreme Court, Queens County纽约州最高法院皇后区分院
- Our role本所角色
- Counsel to the homeowners房主律师
- Status进展
- Discontinued with prejudice Feb. 2020; mortgage satisfied Mar. 20202020年2月附既判效力撤案；2020年3月抵押贷款清偿登记
IFacts事实
A married couple in Queens was sued in 2019 by a credit union to foreclose the mortgage on their home. The firm answered the complaint and represented the couple at the mandatory foreclosure settlement conferences in the fall of 2019.皇后区一对夫妇于2019年被一家信用合作社起诉，要求对其住宅抵押贷款进行止赎。本所代为答辩，并于2019年秋代表夫妇出席强制性止赎和解会议。
IIQuestion Presented争议问题
How can homeowners end a foreclosure on terms that protect them from further claims?房主如何以保障自身免受进一步追索的条件终结止赎诉讼？
IIIRelevant Law相关法律
CPLR 3408: mandatory settlement conference; good-faith negotiation; loan modificationCPLR 3408：强制和解会议；善意协商；贷款修改
RPAPL § 1921: satisfaction of mortgage; recording; statutory damagesRPAPL § 1921：抵押清偿证明；登记；法定赔偿
CPLR 3217: voluntary discontinuance; stipulation of discontinuance; with prejudiceCPLR 3217：自愿撤诉；撤诉协议；有偏见
IVDisposition结果
The parties signed the stipulation in January 2020, the court approved the discontinuance with prejudice on February 10, 2020, and the lender delivered the satisfaction of mortgage on March 26, 2020. The foreclosure ended with the loan paid and no judgment against the couple.双方于2020年1月签署和解协议，法院于2020年2月10日批准附既判效力撤案，贷款人于2020年3月26日出具抵押清偿证明。止赎以贷款清偿告终，夫妇未被判决。
Client details are withheld to protect confidentiality. Prior results do not guarantee a similar outcome.为保护客户隐私，相关信息已隐去。过往结果不保证类似案件的结果。