Exhibit,Appendix: Emigrant Bank (Formerly Known As Emigrant Savings Bank And New York Private Bank & Trust) v. Sofia Tsoukas, Steve Tsoukas A/K/A Steven Tsoukas, Exeter Holding, Ltd., Sherman & Zalenko, Llc, New York City Environmental Control Board, The Internal Revenue Service
On June 26, 2015 a
Exhibit,Appendix
was filed
involving a dispute between
Emigrant Bank,
and
Exeter Holding, Ltd.,
New York City Environmental Control Board,
Sherman & Zalenko, Llc,
Sofia Tsoukas,
Steve Tsoukas A K A Steven Tsoukas,
The Internal Revenue Service,
for Foreclosure (residential mortgage)
in the District Court of Richmond County.
Preview
FILED: RICHMOND COUNTY CLERK 11/15/2021 12:12 PM INDEX NO. 135621/2015
NYSCEF DOC. NO. 90 RECEIVED NYSCEF: 11/15/2021
Cour
Index Number (if known/applicable)
County and Court (if known/applicable):
MORTGAGOR'S DECLARATION OF
COVID-19-RELATED HARDSHIP
I am the mortgagor of the property at (address of dwelling unit):
Including my primary residence, I own, whether directly or indirectly, ten or fewer
residential dwelling units. I am experiencing financial hardship, and I am unable to
pay my mortgage in full because of one or more of the following:
1. Significant loss of household income during the COVID-19 pandemic.
2. Increase in necessary out-of-pocket expenses related to performing essential
work or related to health impacts during the COVID-19 pandemic,
3. Childcare responsibilities or responsibilities to care for an elderly, disabled, or
sick member the COVID- 9 pandemic have affected
family during negatively
my ability or the ability of someone in 1 y household to obtain meaningful
employment or earn income or increased my necessary out-of-pocket expen¯ses
4. Moving expenses and difficulty I have securing alternative housing make it a
hardship for me.to relocate to another residence during the COVID-19pandemic.
5. Other circumstances related to the COVID-19 pandemic have negatively affected
my ability to obtain meaningful employment or earn income or have significantly
reduced my household income or significantly increased my expenses.
6. One or more of my tenants has defaulted on a significant amouilt of their rent
payments since March 1, 2020.
Residential Foreclosure - 9/21 - English
FILED: RICHMOND COUNTY CLERK 11/15/2021 12:12 PM INDEX NO. 135621/2015
NYSCEF DOC. NO. 90 RECEIVED NYSCEF: 11/15/2021
To the extent that I have lost household income or had increased expenses, .any
public assistance, including unemployment insurance, pandemic unemployment
assistance, disability insurance, or paid family leave, that I have received since the
start of the COVID-19 pandernic does not fully make up for my loss of household
income or increased expenses.
I understand that I must comply with all other lawful terms under my mortgage
agreement. I further understand that lawful fees, penalties or interest for not having
paid my mortgage in full as required by my mortgage agreement may still be charged
or collected and result in a monetary judgment against me. I further understand
may
that my mortgage lender, or other foreclosing party may request a hearing to challenge
the certification of hardship made herein, and that I will have the opportunity to
participate in proceedings regarding my mortgage interest. I also understand
any
that my mortgage lender or other foreclosing party may pursue a foreclosure action
against me on or after January 15, 2022, if I do not fully repay any missed or partial
payments and lawful fees.
Signed:
Printed name: S o F /* Tsoux+J
/Ó2 • z /
Date signed: n
NOTICE: You are signing and submitting this form under penalty of law. That
means it is against the law to make a statement on this form that you know is false.
Residential Foreclosure - 9/21 - English
Preview
FILED: RICHMOND COUNTY CLERK 11/15/2021 12:12 PM INDEX NO. 135621/2015 NYSCEF DOC. NO. 90 RECEIVED NYSCEF: 11/15/2021 Cour Index Number (if known/applicable) County and Court (if known/applicable): MORTGAGOR'S DECLARATION OF COVID-19-RELATED HARDSHIP I am the mortgagor of the property at (address of dwelling unit): Including my primary residence, I own, whether directly or indirectly, ten or fewer residential dwelling units. I am experiencing financial hardship, and I am unable to pay my mortgage in full because of one or more of the following: 1. Significant loss of household income during the COVID-19 pandemic. 2. Increase in necessary out-of-pocket expenses related to performing essential work or related to health impacts during the COVID-19 pandemic, 3. Childcare responsibilities or responsibilities to care for an elderly, disabled, or sick member the COVID- 9 pandemic have affected family during negatively my ability or the ability of someone in 1 y household to obtain meaningful employment or earn income or increased my necessary out-of-pocket expen¯ses 4. Moving expenses and difficulty I have securing alternative housing make it a hardship for me.to relocate to another residence during the COVID-19pandemic. 5. Other circumstances related to the COVID-19 pandemic have negatively affected my ability to obtain meaningful employment or earn income or have significantly reduced my household income or significantly increased my expenses. 6. One or more of my tenants has defaulted on a significant amouilt of their rent payments since March 1, 2020. Residential Foreclosure - 9/21 - English FILED: RICHMOND COUNTY CLERK 11/15/2021 12:12 PM INDEX NO. 135621/2015 NYSCEF DOC. NO. 90 RECEIVED NYSCEF: 11/15/2021 To the extent that I have lost household income or had increased expenses, .any public assistance, including unemployment insurance, pandemic unemployment assistance, disability insurance, or paid family leave, that I have received since the start of the COVID-19 pandernic does not fully make up for my loss of household income or increased expenses. I understand that I must comply with all other lawful terms under my mortgage agreement. I further understand that lawful fees, penalties or interest for not having paid my mortgage in full as required by my mortgage agreement may still be charged or collected and result in a monetary judgment against me. I further understand may that my mortgage lender, or other foreclosing party may request a hearing to challenge the certification of hardship made herein, and that I will have the opportunity to participate in proceedings regarding my mortgage interest. I also understand any that my mortgage lender or other foreclosing party may pursue a foreclosure action against me on or after January 15, 2022, if I do not fully repay any missed or partial payments and lawful fees. Signed: Printed name: S o F /* Tsoux+J /Ó2 • z / Date signed: n NOTICE: You are signing and submitting this form under penalty of law. That means it is against the law to make a statement on this form that you know is false. Residential Foreclosure - 9/21 - English