Foreclosure action against heirs of Susan J. Garner for mortgage default.

SUPPLEMENTAL SUMMONS

SUPREME COURT OF THE STATE OF NEW YORK
COUNTY OF WARREN
INDEX NO. EF2025-74306 Date Filed: 01/15/2026
SUPPLEMENTAL SUMMONS
Plaintiff designates WARREN County as the place of trial.
The basis of venue is: The location of real property being foreclosed.
PENNYMAC LOAN SERVICES, LLC, Plaintiff, against CASEY GARNER, INDIVIDUALLY AND AS HEIR AT LAW AND NEXT OF KIN OF SUSAN J. GARNER A/K/A SUSAN JANE GARNER; CODY GARNER, AS HEIR AT LAW AND NEXT OF KIN OF SUSAN J. GARNER A/K/A SUSAN JANE GARNER; UNKNOWN HEIRS OF THE ESTATE OF SUSAN J. GARNER A/K/A SUSAN JANE GARNER, if they be living and if they be dead, the respective heirs-at-law, next-of-kin, distributees, executors, administrators, trustees, devisees, legatees, assignees, lienors, creditors and successors in interest and generally all persons having or claiming under, by or through said defendant(s) who may be deceased, by purchase, inheritance, lien or inheritance, any right, title or interest in or to the real property described in the Complaint; UNITED STATES OF AMERICA, ACTING THROUGH THE RURAL HOUSING SERVICE; SUSTAINABLE NEIGHBORHOODS LLC; UNITED STATES OF AMERICA INTERNAL REVENUE SERVICE; NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE; and JOHN DOE No. 1'' through ''JOHN DOE No. 100'' inclusive, the name of the last 100 defendants being fictitious, the true names of said defendants being unknown to plaintiff, it being intended to designate fee owners, tenants or occupants of the liened premises and/or persons or parties having or claiming an interest in or a lien upon the liened premises, if the aforesaid individual defendants are living, and if any or all of said individual defendants be dead, their heirs at law, next of kin, distributees, executors, administrators, trustees, committees, devisees, legatees, and assignees, lienors, creditors and successors in interest of them and generally all persons having or claiming under, by, through, or against the said defendants named as a class, of any right, title, or interest in or lien upon the premises described in the complaint herein, Defendant(s). To the above named Defendants: YOU ARE HEREBY SUMMONED to answer the complaint in this action and to serve a copy of your answer, or, if the complaint is not served with this summons, to serve a notice of appearance on the plaintiff's attorney(s) within 20 days after the service of this summons, exclusive of the day of service (or within 30 days after service is complete if this summons is not personally delivered to you within the State of New York); and 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: 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. The foregoing summons is served upon you by publication pursuant to an order of the Honorable Vincent W Versaci, a Justice of the Supreme Court of the State of New York, Warren County, granted on the 14th day of January, 2026, and filed with the Complaint and other papers in the office of the County Clerk of Warren County. The object of this action is to foreclose a mortgage upon the premises described below, executed by SUSAN J. GARNER and CASEY GARNER to MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ACTING SOLELY AS A NOMINEE FOR E MORTGAGE MANAGEMENT, LLC, bearing date November 29, 2017 and recorded in Book 5677, at Page 275, Instrument # 2017-8770 in the County of Warren on December 8, 2017 which was modified by a loan modification agreement dated May 11, 2022 and recorded October 18, 2022, in Book 6705, at Page 251, Instrument # 2022-7743, which was assigned to PENNYMAC LOAN SERVICES, LLC by instrument executed October 17, 2023 and recorded October 18, 2023, in Official Record Book 6851, at Page 112, Instrument # 2023-5576. Said premises being known as and by 24 Emerson Avenue, Warrensburg, NY, 12885, bearing tax map designation Section 211.13, Block 3, Lot 4, which is more fully described in the Schedule “A” attached to the Complaint. Aldridge Pite, LLP, Attorneys for the Plaintiff, 40 Marcus Drive, Suite 200, Melville, NY 11747 File 1213-437B


PUB: JANUARY 29, FEBRUARY 5, 12, 19, 2026 

COL-NY-3741