Appellate Division of the Supreme Court of the State of New York November 27, 2013 (Independence Bank v. Valentine)

OPINION OF THE COURT

Cohen, J.

Since 2008, New York homeowners finding themselves in the devastating position of defending a mortgage foreclosure action involving their primary residence have been afforded certain protections enacted by the New York State Legislature (see L 2008, ch 472; Wells Fargo Bank, N.A. v Meyers, 108 AD3d 9 [2013]; see also Hon. Mark C.