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U.S. BANK NATIONAL ASSOCIATION v. VITOLO

2018-11647.

182 A.D.3d 627 (2020)

120 N.Y.S.3d 791

2020 NY Slip Op 02492

U.S. Bank National Association, Respondent, v. Norma Vitolo, Appellant, et al., Defendants.

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

Decided April 29, 2020.

Ordered that the order is affirmed, with costs.

In 2005, the defendant Norma Vitolo obtained from First Central Savings Bank a loan, which was secured by a mortgage on residential property located in Staten Island. Vitolo allegedly defaulted on her monthly mortgage payments beginning in December 2008.

By letter dated January 25, 2009, Vitolo received a default notice on her mortgage, which stated that "[u]nless the payments on your loan can be brought current...

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