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New York foreclosure summons and complaint named my deceased uncle. Is this permitted?

8/29/2016

4 Comments

 
In NY, the law does not permit a lawsuit to pursue against an individual who is deceased (you can't sue the dead), but the lawsuit can be permitted if the plaintiff has named the decedent's estate representative(s) and or heirs.  For instance, if your uncle owned the real property and died without a will (died intestate), the plaintiff, in order to proceed, can name your uncle's natural heirs at law. In New York, real property passes by operation of law to the decedent owner's heirs at law which is based on the laws of succession pursuant to the intestacy statute. If your uncle had a will (died testate) then the plaintiff must name the representative in the probate proceeding and no need to name the natural heirs since they are bound by the probate proceeding. If, however, the plaintiff is seeking a deficiency judgment against your uncle's estate (let's assume he signed a promissory note in favor of the foreclosing plaintiff) then regardless of whether your uncle had a will or not, the plaintiff must serve your uncle's personal representative. If there is no personal representative, the plaintiff will need to file a petition in surrogate's court to have a representative appointed. Once the representative is appointed, the plaintiff can serve the representative and the representative will be bound by any court order or judgment in the foreclosure action. If the foreclosing plaintiff is seeking a deficiency judgment against the decedent's estate then it must name and serve the decedent's personal representative. 
4 Comments
JONAH A. SENECA
7/17/2019 08:25:59 pm

CLAIM FOR ESTATE LATE ENGR. PAUL SENECA AT LOME TOGO
CONCERNED LAWYER BARRISTER DENNIS AWEJI SR. CONCERNED BANK MANAGER KODJO MAWULU.WESTERN AFRICAN ESTATE

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Arnold M. Bottalico, Esq.
8/28/2019 03:44:28 pm

Please provide more information or contact us at 516-543-1329

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Jennifer
8/27/2019 12:17:08 pm

Is there a time statute to file a foreclosure? I know it is 6 years to file after default, but I am reading that some states have laws regarding deceased. Is there a time limit for a foreclosure in NY when someone passes?

Reply
Arnold M. Bottalico, Esq.
8/28/2019 07:56:41 pm

Pursuant to CPLR 213(4) (see link below), the statute of limitations is 6 years. If an individual claimant has a cause of action to sue on a note, but if the claimant is deceased then there is an 18 month tolling of the statute of limitations assuming the statute did not expire prior to death. If the borrower died, there is no tolling of the statute of limitations as far as I know.

https://codes.findlaw.com/ny/civil-practice-law-and-rules/cvp-sect-213.html

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    Arnold M. Bottalico is an experienced Long Island, NY foreclosure attorney with over 25 years of experience, and he welcomes your questions and comments.

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