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WELLS FARGO BANK, N.A. v. CERVINI

2010-01723.

84 A.D.3d 789 (2011)

921 N.Y.S.2d 643

WELLS FARGO BANK, N.A., Respondent, v. RICCARDO CERVINI et al., Appellants, et al., Defendants.

Appellate Division of the Supreme Court of New York, Second Department.

Decided May 3, 2011.

Ordered that the order is affirmed, with costs.

A defendant who has failed to appear or answer the complaint must provide a reasonable excuse for the default and demonstrate a potentially meritorious defense to the action to avoid the entering of a default judgment or to extend the time to answer (see Equicredit Corp. of Am. v Campbell, 73 A.D.3d 1119, 1120 [2010]; Maspeth Fed. Sav. & Loan Assn. v McGown,

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