Appellate Division of the Supreme Court of the State of New York November 10, 2009 (HSBC Bank USA, N.A. v. Betts)

In an action to foreclose a mortgage, the plaintiff appeals from an order of the Supreme Court, Kings County (Schack, J.), dated April 23, 2008, which denied its application for leave to enter a default judgment against the defendant Justine Betts and for an order of reference, with leave to renew upon its presentation of an affidavit submitted either by an officer of the plaintiff, or of a