BANK OF NEW YORK v. SEGUI (2007)

In an action to foreclose a mortgage, the defendant Margarita Segui appeals from so much of an order of the Supreme Court, Kings County (Ruditzky, J.), dated March 22, 2006, as denied her motion, pursuant to CPLR 5015(a)(1), to vacate a judgment of foreclosure and sale of the same court, entered July 12, 2004, upon her default in appearing or answering.

ORDERED that the order is affirmed insofar as appealed from, with costs.

Vacatur of a default judgment requires the moving defendant to establish both a reasonable excuse for the default and a meritorious defense (see CPLR 5015 [a] [1];  Eugene Di Lorenzo, Inc. v. A.C. Dutton Lbr. Co., 67 N.Y.2d 138, 141, 501 N.Y.S.2d 8, 492 N.E.2d 116;  Credit-Based Asset Servicing & Securitization v. Chaudry, 304 A.D.2d 708, 757 N.Y.S.2d 791;  Mary Immaculate Hosp. v. New York Cent. Mut. Fire Ins. Co., 296 A.D.2d 385, 386, 744 N.Y.S.2d 893).   The appellant failed to offer a reasonable excuse for her failure to answer or appear in the action and did not set forth the existence of a meritorious defense to foreclosure.   Accordingly, the Supreme Court properly denied her motion to vacate the judgment of foreclosure and sale (see Eugene Di Lorenzo, Inc. v. A.C. Dutton Lbr. Co., supra;  Credit-Based Asset Servicing & Securitization v. Chaudry, supra ).

The appellant's remaining contentions are without merit.