Foreclosure action on a reverse mortgage for 15 Twicwood Lane, Queensbury.

Summons



Supreme Court of New York, Warren County . U.S. BANK TRUST NATIONAL ASSOCIATION, AS TRUSTEE OF LB-FLAT SERIES VI TRUST , Plaintiff -against- UNKNOWN HEIRS OF THE ESTATE OF MARLYN JOYCE BRAY A/K/A MARLYN J. BRAY A/K/A MARLYN BRAY; UNKNOWN HEIRS OF THE ESTATE OF DANA S. BRAY, JR. A/K/A DANA SPENCER BRAY, JR.; D. CHRISTOPHER BRAY, AS HEIR AND DISTRIBUTEE OF THE ESTATE OF MARLYN JOYCE BRAY A/K/A MARLYN J. BRAY A/K/A MARLYN BRAY AND AS HEIR AND DISTRIBUTEE OF THE ESTATE OF DANA S. BRAY, JR. A/K/A DANA SPENCER BRAY, JR.; MIA BRAY, AS HEIR AND DISTRIBUTEE OF THE ESTATE OF MARLYN JOYCE BRAY A/K/A MARLYN J. BRAY A/K/A MARLYN BRAY AND AS HEIR AND DISTRIBUTEE OF THE ESTATE OF DANA S. BRAY, JR. A/K/A DANA SPENCER BRAY, JR.; AVERY BRAY, AS HEIR AND DISTRIBUTEE OF THE ESTATE OF MARLYN JOYCE BRAY A/K/A MARLYN J. BRAY A/K/A MARLYN BRAY AND AS HEIR AND DISTRIBUTEE OF THE ESTATE OF DANA S. BRAY, JR. A/K/A DANA SPENCER BRAY, JR.; SPENCER BRAY, AS HEIR AND DISTRIBUTEE OF THE ESTATE OF MARLYN JOYCE BRAY A/K/A MARLYN J. BRAY A/K/A MARLYN BRAY AND AS HEIR AND DISTRIBUTEE OF THE ESTATE OF DANA S. BRAY, JR. A/K/A DANA SPENCER BRAY, JR.; MYLES BRAY, AS HEIR AND DISTRIBUTEE OF THE ESTATE OF MARLYN JOYCE BRAY A/K/A MARLYN J. BRAY A/K/A MARLYN BRAY AND AS HEIR AND DISTRIBUTEE OF THE ESTATE OF DANA S. BRAY, JR. A/K/A DANA SPENCER BRAY, JR.; CAMERON BRAY, AS HEIR AND DISTRIBUTEE OF THE ESTATE OF MARLYN JOYCE BRAY A/K/A MARYLN J. BRAY A/K/A MARLYN BRAY AND AS HEIR AND DISTRIBUTEE OF THE ESTATE OF DANA S. BRAY, JR. A/K/A DANA SPENCER BRAY, JR.; NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE; UNITED STATES OF AMERICA (NORTHERN DISTRICT) O/B/O INTERNAL REVENUE SERVICE; CHRISTIAN A. HANCHETT, COMMISSIONER OF SOCIAL SERVICES OF WARREN COUNTY; METLIFE HOME LOANS, A DIVISION OF METLIFE BANK, N.A.; "JOHN DOE" AND "JANE DOE" said names being fictitious, it being the intention of plaintiff to designate any and all occupants of the premises being foreclosed herein , Defendants Index No. EF2025-74849. Mortgaged Premises: 15 Twicwood Lane Queensbury, NY 12804 Section: 296.9 Block: 1 Lot: 48 TO THE ABOVE NAMED DEFENDANTS: YOU ARE HEREBY SUMMONED to answer the Complaint in the above captioned action and to serve a copy of your Answer on the Plaintiff's attorney within twenty (20) days after the service of this Summons, exclusive of the day of service, or within thirty (30) days after completion of service where service is made in any other manner than by personal delivery within the State. The United States of America, if designated as a Defendant in this action, may answer or appear within sixty (60) days of service hereof. In case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the Complaint. NOTICE OF NATURE OF ACTION AND RELIEF SOUGHT THE OBJECTIVE of the above captioned action is to foreclose on a reverse mortgage to secure $525,000.00 and interest, recorded in the Warren County Clerk’s Office on January 8, 2010, in Book RP 3942, on Page 108, as Instrument Number 2010-00000212, covering the premises known as 15 Twicwood Lane, Queensbury, NY 12804. The relief sought herein is a final judgment directing sale of the premises described above to satisfy the debt secured by the reverse mortgage described above. Plaintiff designates Warren as the place of trial. Venue is based upon the County in which the mortgaged premises is located. NOTICE YOU ARE IN DANGER OF LOSING YOUR HOME If you do not respond to this summons and complaint by serving a copy of the answer on the attorney for the mortgage company who filed this foreclosure proceeding against you and filing the answer with the court, a default judgment may be entered and you can lose your home. Speak to an attorney or go to the court where your case is pending for further information on how to answer the summons and protect your property. Sending a payment to your mortgage company will not stop this foreclosure action. YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE PLAINTIFF (MORTGAGE COMPANY) AND FILING THE ANSWER WITH THE COURT. FRIEDMAN VARTOLO, LLP 1325 Franklin Avenue, Suite 160 Garden City, NY 11530, Attorneys for Plaintiff.



PUB: APRIL 9, 16, 23, 30, 2026 

COL-NY-4167