SUPREME COURTOF THESTATEOF NEWYORK

CO U N T Y
O F S U F F OL K

Citibank,N.A.as TrusteeforAmerican
---------x
HomeMortgage
AssetsTrust 2006-3_
Mortgage-Backed pass_Tn
roulh-
Certificates, -
Series2006-3,
Plaintiff, INDEXNO.:10- 02915
-against-
DEFENDANTS,
VERIFIED
ANSWERWITHAFFIRMATIVE
DEFENSES
HermanLamison, Jr.alWaHermanLamisonand
'JOHNDOE#1"through"JOHNDOE#10"thelastnames
beingfictitiousand unknownto the praintiff,
the personor
partiesintendedbeingthe personOr parties,if any,having
or claimingan interestin or Lienuponthe mortgagedpt"rir",
described in thecomplaint,

dants
--------___?"fen -----x
The Defendant,HermanLamison, Jr.a/WaHermanLamisonansweringthe Complaint,
by their
attorneys,Gilmartin & Bregmanrespectfullyallegesto this court as follows:

l. Deny information or knowledge sufficient to form a belief as to the allesations

set forth in
paragraph"FIRST" of the Complaint.

2. Deniesinformation or knowledgesufficientto form a belief as to the allegationsset forth

in
paragraphs "SECOND", "THIRD", ,,FO(JRTH" ,,FIFTH,,, ,,SIXTH,', .,SEVENTH,,, ,.EIGHTH,,,

"N[I{TH", "TENTH" "ELEVENTH", "TWELFTH", and ,,THIRTEENTH,,,,,FOURTEENTH".

"FIFTEENTH", "SIXTEENTH", "SEVENTEENTH" and "EIGHTEENTH" of

Complaint except to

admit that Defendant executed a Mortgage with American Home Mortgage in the principal
sum of

$650,000'00Defendantrefers the Court to the Mortgage referredto in paragraphs.,THIRD,' .,and

"FIFTH" of the Complaint for it's legal interpretationand statesthat the allegations set forth in
 paragraphs"sECoND", "THIRD", "FouRTH"
"FIFTH", "SIXTH",,,SEVENTH,,,,,EIGHTH,,,
"N[NITH", "TENTH" "ELEVENTH", "TWELFTH", and "THIRTEENTH',, .,FOURTEENTH,,.
"FIFTEENTH", "SIXTEENTH", "SEVENTEENTH"
and "EIGHTEENTH" of the Complaint attempt
to charactenzeand summarizefacts, circumstances,
evidenceand law and the Defendantrespectfully
refersall questionsof fact and law to the Court.

3. Plaintiff lacks capacityto commencethe instantlawsuit.

4. Plaintiff s claimsarebarredin wholeor in partby thestatuteof frauds.

5' Plaintiff s claims are barredin whole or in party by the doctrineof

uncleanhands,

6. Plaintiff s damages,if any, were causedin whole or in part by is own wrongful

conduct.

FIFTH AFFIRMATIVE DEFENSE

7 . Plaintiff s claims are barredby documentaryevidence.

SIXTH AFFIRMATIVE DEFENSE

8' Defendant, Herman Lamison, Jr. alWa Herman Lamison, is of a class intended
to be
protected under recent federal legislation, related to lending practices,
types of mortgages and

foreclosures,and expresslyreservesall rights and remedies,now or later promulgated,

with respectto

suchprotectionand preservationofreal propertyinterests.

SEVENTHAFF'IRMATIVE DEFENSE

9. Thatthe Defendant,
HermanLamison,Jr.alWalHermanLamison,, admitsthatheobtaineda

mortgagefrom AmericanHomeMortgage,but hasno knowledgeoi nor wasDefendant,evernotified

 of an assignment to citibank' N.A- as Trustee, upon information and belief, plaintiff
has never
provided Defendant Herman Lamison,
Jr. a/wa Herman Lamison, with a proper assignment
of the
mortgage and therefore Defendant alleges
that Plaintiff does not have standing to commence
this
action.

l0' That the Plaintiff has not complied with the terms of Chapter
Section 17, amending
RPAPL Section 1302 having failed to give proper notice to
the Defendant.RpApL Section 1302

states:

"1' Any complaint servedin a proceedinginitiatedpursuantto

this article relating to
a high-costhome loan or a subprimehome loan, as suchterms are defined
in section
6-l and 6-m of the banking law, respectively,must contain an affirmative
allegation
that at the time the proceeding is commenced,the plaintiff (a) is
the owner and
holder of the subject mortgage and note, or has bein delegatedthe authority
to
institute a mortgage foreclosure action by the owner and holder of the
subject
mortgageand note; and (b) has complied with all of the provisionsof Banking
Law
Section 595-a ["Regulation of mortgage brokers, mortgage bankers and
eiempt
organizations"],and any rules and regulationspromulgatedthereunder,Section
6-l
["High-cost home loans") or 6-m ["subprime home loairs"]of the Banking Law, and
Section1304["Requiredprior notices"]of this article".

1l ' Upon information and belief, the loan issuedby Plaintiff is a high cost or subprime
home
loan.

WHEREFORE,Defendant,HermanLamison,h. alVaHerman Lamison demandsjudgment:

1' Dismissing the Plaintiffs complaint herein and awarding interest, costs and

expenses,including attorney'sfees;and

2. For such other and further relief as this Court deems just and proper and

equitable.
Dated: May 5,2010
Southampton,New york I l96g

Gilmartin &Bregmah, Esq.

Attomey for Defendant
HermanLamison,Jr alVaHerrnan Lamison
320 HamptonRoad
Southampton, New york 1196g
TO: AlissaL. Baader,Esq.
Attorneyfor plaintiff
Shapiro,Dicaro& Barak"LLp
250Mile CrossingBoulevard
SuiteOne
Rochester,Ny 14624
YourFileNo. 09-0823g5

Clerkof the Court

SupremeCourtof the Stateof New york
SuffolkCountyClerk,sOffrce
310CenterDrive
Riverhead,New york I l90l
 :rr-!;ti I

.: ln

SUPREME COURT OF THE STATE OF NEW

YORK
COUNTY OF SUFFOLK

Citibank, N.A. as Trustee for American Home Mortgage

Assets Trust 2006-3_Mortgage-Backed eass_Throuin--
Certificates,Series2006-4.

ptaintiff.

VERIFICATION
-against-

HermanLamison,Jr. alklaHermanLamisonand
"JOHNDOE #'l" through"JOHNDOE #10',the lastnames
beingfictitiousand unknownto the plaintiff,the personor
partiesintendedbeingthe personOr parties,if any, having
or claimingan interestin or Lien uponthe mortgagedpretiises
describedin the complaint,

_?::_:.1ilt_
_____.__x
STATEOF NEW YORK )
COUNTYOF SUFFOLK )ss.:

Herman Lamison, Jr. a/WaHerman Lamison, being duly sworn, deposesand saysthat I am a
Defendant in the within action. I have read the foregoing Verified Answer with Affrrmative Defenses
and know the contentsthereof; that the same is true io my o*tr knowledge, except as to those matters
statedtherein to be allegedupon information and belief and, as to thosematters,I believe them to be
true.

Lamison, Jr. alWa

HermanLamison

Swornto beforeme this 54

ay,2070

ffiffjl-*:ffiaa,.
 AFFIDAVIT OF SERVICE BY MAIL

STATEOF NEW YORK)

) ss:
COLNTY OF SUFFOLK)

DONNA MARSZYCKI,beingduly sworn,deposes

and'says:

I am not apartyto theaction,am overeighteen(18)yearsof ageand

resideat 99
Jessup
Avenue,Quogue, New york llg5g.

on May .t-,2010,I servedthewithinANSWERby depositing

a truecopy
thereofenclosedin a post-paidwrapperin anofficialdepository
underthe exclusivecareand
custodyof the u'S' PostalServicewithin New York State,
addressed
to the followingat thelast
knownaddresssetforth aftereachname:

AlissaL. Baader,
Esq.
Attomeyfor Plaintiff
Shapiro,Dicaro& Barak,LLp
250Mile CrossingBoulevard
SuiteOne
Rochester,New york 14624
YourFileNo. 09-082385

Clerkof the Court

SupremeCourtof the Stateof New york
SuffolkCountyClerk'sOffice
310CenterDrive
Riverhead,New york, 11901

Swopnto beforeme this

6;L day of May.20t0

JR.
J. GILMARTIN,
DAVTD
NOTARY PUBLIC,STATEOF NEWYORK
- COUNTY
SUFFOLK
HO.OZetOa00303,
COMMISSION FEB.2, 2013
EXPIRES