This is very odd.   NY records appear to be indexed  by map & lot # or/or by name  & yet it looks like  the examiner didn't run the owner's name.  Can any NY people offer an explanation of standard examining practices in New York.  And why did it take so long to start the foreclosure process?  Mrs Choy bought in 2003 & the foreclosure was started in 2009?  It took the bank that long to figure out that they weren't getting mortgage payments????   I did a foreclosure rundown a few years ago on an equity line, taken out by the sellers, that had been recorded a week before their sale to a purchaser for value.   They attorney doing the closing didn't bother to do a final rundown before the recording & so the equity line was missed & not paid off at closing.  The kicker is that even though they had moved to a new house, the sellers continued to pay the equity line for the next five years, while the owner  had no idea that she was living in a ticking time bomb.  Of course, the sellers lost their jobs & stopped paying the equity line & the bank started a valid foreclosure action against the woman living in the house.  Never heard what happened after that.  Possibly the attorney's malpractice carrier stumped up the money for the missed equity.