MERCURE, J.P.
In 1999, defendant granted EquiCredit Corporation of New York a mortgage on his property in Bloomingburg, Sullivan County, in exchange for $80,000. Thereafter, EquiCredit assigned the mortgage to plaintiff. In March 2003, defendant defaulted on his mortgage payments and, pursuant to the terms of the mortgage, two letters were sent to him indicating that plaintiff would commence foreclosure proceedings if the unpaid balance on the loan was not paid within...
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