Foreclosure action against property at 103 Fairway Lane, Sherrill, NY.

INDEX NO.: EFCA2024-000213

Date Filed: 03/17/2026

SUPPLEMENTAL SUMMONS WITH NOTICE

MORTGAGED PREMISES: 103 Fairway Lane, Sherrill, NY 13461

SBL #: 322.017-1-4

Plaintiff designates ONEIDA County as the place of trial; venue is based upon the county in which the mortgaged premises is situate.

STATE OF NEW YORK

SUPREME COURT: COUNTY OF ONEIDA

M&T Bank,

Plaintiff,

vs.

Enessa M. Carbone, Chief Fiscal Officer of Oneida County to the Estate of Melissa S. Cenname a/k/a Melissa S. Russell; Unknown Heirs of the Estate of Melissa S. Cenname a/k/a Melissa S. Russell, and all the heirs at law, next of kin, distributees, devisees, grantees, trustees, lienors, creditors, assignees and successors in interest of any of the aforesaid defendants, next of kin, distributees, devisees, grantees, trustees, lienors, creditors, assignees and successors in interest of any of the aforesaid classes of person, if they or any of them be dead, and their respective husbands, wives or widows, if any, and all of whom and whose names and places of residence are unknown to plaintiff, except as herein stated; Alexandra Danella as heir to The Estate of Melissa S. Cenname a/k/a Melissa S. Russell; Elle Cenname as heir to The Estate of Melissa S. Cenname a/k/a Melissa S. Russell; J.C. as heir to The Estate of Melissa S. Cenname a/k/a Melissa S. Russell; B.C. as heir to The Estate of Melissa S. Cenname a/k/a Melissa S. Russell; New York State Department of Taxation and Finance; United States of America o/b/o Internal Revenue Service; Discover Bank; John Doe #1 through #6, and Jane Doe #1 through #6, the last twelve names being fictitious, it being the intention of Plaintiff to designate any and all occupants, tenants, persons or corporations, if any, having or claiming an interest in or lien upon the premises being foreclosed herein.

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 attorneys for the Plaintiff 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). In case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the Amended 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 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 OBJECT of the above captioned action is to foreclose a Mortgage to secure $160,047.00 and interest, recorded in the Office of the Clerk of Oneida on July 23, 2012, as Instrument No. 2012-012306, covering premises known as 103 Fairway Lane, Sherrill, NY 13461, SBL #: 322.017-1-4

The relief sought in the within action is a final judgment directing the sale of the premises described above to satisfy the debt secured by the Mortgage described above. The Plaintiff also seeks a deficiency judgment against the Defendants and for any debt secured by said Mortgage which is not satisfied by the proceeds of the sale of said premises.

TO the Defendants Unknown Heirs of the Estate of Melissa S. Cenname a/k/a Melissa S. Russell, and all the heirs at law, next of kin, distributees, devisees, grantees, trustees, lienors, creditors, assignees and successors in interest of any of the aforesaid defendants, next of kin, distributees, devisees, grantees, trustees, lienors, creditors, assignees and successors in interest of any of the aforesaid classes of person, if they or any of them be dead, and their respective husbands, wives or widows, if any, and all of whom and whose names and places of residence are unknown to plaintiff, except as herein stated, the foregoing Supplemental Summons with Notice is served upon you by publication pursuant to an Order of the Hon. Elizabeth Snyder Fortino, J.S.C. of the Supreme Court of the State of New York, County of Oneida, dated and filed February 13, 2026.

Dated: March 18, 2026

/s/ Deborah M. Gallo 

Deborah M. Gallo, Esq.

McCalla Raymer Leibert Pierce, LLP

420 Lexington Avenue, Suite 840

New York, New York 10170

Phone: 347.286.7409

Fax: 347-286-7414

Attorneys for Plaintiff,

M&T Bank

HELP FOR HOMEOWNERS IN FORECLOSURE

NEW YORK STATE LAW REQUIRES THAT WE SEND YOU THIS NOTICE 

ABOUT THE FORECLOSURE PROCESS. PLEASE READ IT CAREFULLY.

SUMMONS AND COMPLAINT

YOU ARE IN DANGER OF LOSING YOUR HOME. IF YOU FAIL TO 

RESPOND TO THE SUMMONS AND COMPLAINT IN THIS FORECLOSURE 

ACTION, YOU MAY LOSE YOUR HOME. PLEASE READ THE SUMMONS

AND COMPLAINT CAREFULLY. YOU SHOULD IMMEDIATELY CONTACT 

AN ATTORNEY OR YOUR LOCAL LEGAL AID OFFICE TO OBTAIN 

ADVICE ON HOW TO PROTECT YOURSELF. 





SOURCES OF INFORMATION AND ASSISTANCE.

The State encourages you to become informed about your options in foreclosure. 

In addition to seeking assistance from an attorney or legal aid office, there are government agencies and non-profit organizations that you may contact for
information about possible options, including trying to work with your lender during this process. 

To locate an entity near you, you may call the toll-free helpline maintained by the New York State Banking Department of Financial Services at 1-800-342-3736 or visit the Department's website at www.dfs.ny.gov.

FORECLOSURE RESCUE SCAMS

Be careful of people who approach you with offers to "save" your home. There are individuals who watch for notices of foreclosure actions in order to unfairly profit from a homeowner's distress. You should be extremely careful about any such promises and any suggestions that you pay them a fee or sign over your deed. State law requires anyone offering such services for profit to enter into a contract which fully describes the services they will perform and fees they will charge, and which prohibits them from taking any money from you until they have completed all such promised services.