SUPERIOR COURT OF NEW JERSEY APPELLATE DIVISION DOCKET NO . A

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DEUTSCHE BANK NATIONAL TRUST COMPANY, as T rustee of the R esidential A sset S ecurit i zation T rust 2007

- A 5, M ortgage P ass T hrough C ertificate s , S eries 2007

- E U nder the P ooling and S ervicing A greement D ated M arch 1, 2007 , Plaintiff

- Respondent,

v. SHAHID NAZIR , Defenda nt

- Appellant , and NUZHAT NAZIR, his wife, each of their heirs, devisees, and personal representatives, and his, her, their or any of their successors in right, title and interest ; MID

- L AND FUNDING LLC and DISCOVER BANK , Defendants

.

_________ _______________________

Submitted October 15, 2018

– Decided

NOT FOR PUBLICATION WITHOUT THE APPROVAL OF THE APPELLATE DIVISION This opinion shall not "constitute precedent or be binding upon any court

. " A lthough it is posted on the internet , this opinion is binding only on the parties in the case and its use in other cases is limited

. R. 1:36

- 3.

November 20, 20182 A

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- 16 T3 Before Judges Haas and Mitterhoff. On appeal from Superior Court of New Jersey, Chancery Division, Middlesex County, Docket No. F

0 23745

- 13. Shahid Nazir, appellant pro se . Phelan Hallinan Diamond & Jones, LLP, attorneys for respondent ( Brian J. Yoder , on the brie f).
PER CURIAM In this residential mortgage foreclosure action, d efendant Shahid Nazir appeals from the trial court's denial of his motion to vacate a final judgment of foreclosure and sheriff's sale. We affirm. In February 2007 defendant's wife execu ted a promissory note securing the sum of $553,000.00 to IndyMac Bank, F.S.B . On the same date, defendant and his wife executed a non

- purchase

- money mortgage to Mortgage Electronic Registration System, Inc., as nominee for IndyMac Bank. Mortgage Electron ic Registration System assigned the mortgage to plaintiff Deutsche Bank National Trust Company i n November 2010. Defendant defaulted on the loan starting in August 2010 and never cured the default

. On July 9, 2013, plaintiff filed a foreclosure complai nt

. On August 16, 2013, de fendants filed a contesting answer

. On September 24, 2013, Judge Ann G. McCormick entered a case management order scheduling trial for January3 A

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30, 2014. O n January 28, 2014, plaintiff, through counsel, agreed to a consent order in which defendants agreed to deem their answer non

- contesting in exchange for plaintiff agreeing to refrain from applying for final judgment for sixty days. The trial court entered the conse nt order on January 30, 2014. On September 5, 2 014, pla intiff moved for default. On February 24, 2015, the trial court ente red an order granting default. On March 16, 2015, plaintiff sent formal notice pursuant to Section 6 of the New Jersey Fair Foreclosure Act to defendants. On November 4, 2015, plaintiff filed a notice of motion for entry of f inal judgment. On January 5, 2016, the trial court entered a final judgment of foreclosure

. After several postponements for loss mitigation discussions between the parties and defendant exercisi ng statutory adjournments, a sheriff's sale was sch eduled for September 14, 2016. On July 18, 2016 and August 16, 2016, defendant attempted to file pro se motion s to stay the sheriff's sale, but the clerk's office marked the motions a s "Received but not F iled" because defendant had not paid the proper filing fees or submit ted a substitution of attorney sign ed4 A

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by the withdrawing attorney. 1 On September 14, 2016, plaintiff purchased the property at the sheriff's sale. On September 22, 2016, defendant att empted to file a pro se motion to object to and set aside the sheriff's sale, but the clerk's office again did not file the motion because defendant had not submitted a substitution of attorney signed by the withdrawing attorney and paid the appropriate fi ling fee. On November 14, 201 7, defendant filed a substitution of attorney in order to proceed pro se

. On March 1, 2017, defendant filed a motion to set aside the writ of possession,
set a side the final judgment, and move forward with mediation.
On Marc h 31, 2017, Judge McCormic k held a hearing on defendant's motion and d enied the motion in an oral decision. On appeal of th is denial , defendant raises the following points for our review:

Point 1

– Defendant was entitled to relief under R. 4.50

- 1(f). Point 2

– The Trial Court erred and abused its discretion in allowing the settlement to withdraw [the] Contest ed Answer with nothing in exchange for Defendant.

1 "[A] n attorney may withdraw upon the client's consent provided a substitution of attorney is filed naming the substituted attorney or indicating that the client will appear pro se. If the client will appear pro se, the withdrawing attorney shall file a substitution. " R. 1:11

- 2(a)(1).5 A

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– The Trial Court erred and abused its discretion by not setting aside the sale, and di rect[ing] the matter to mediation. Having reviewed the record in light of the applicable legal principles , we affirm for substantially the same reasons expressed by Judge McCormick in her well

reasoned oral decision. We add only the following comments. In general, "[t]he trial court's determination under [ Rule 4:50

- 1] warrants substantial deference, and should not be reversed unless it results in a clear abuse of discretion." US Bank Nat 'l Ass' n v. Guillaume , 209 N.J. 449, 467 (2012) (citations omitted) . Further, relief under Rule 4:50

- 1(f) should be granted only when "truly exceptional circumstances are present." Id. at 484 (quoting Hous. Auth. of Town of Morristown v. Little , 135 N.J. 274, 286 (1994)). Likewise, a court should exercise its discretio n to set aside a foreclosure sale only to correct a plain injustice. See First Tr. Nat'l Assoc. v. Merola , 319 N.J. Super. 44, 49 (App. Div. 1999) (citation omitted) ("[T]he exercise of this power [to set aside a sheriff's sale] is discretionary and must be based on considerations of equity and justice.")

. Additionally, "the showing of a meritorious defense is a traditional element necessary for setting aside . . . a default judgment." Pressler & Verniero, Current N.J. Court Rules , cmt. on R. 4:43

- 3 (2019); see also6 A

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Guillaume , 209 N.J. at 469 (requiring meritorious defense to foreclosure for relief under Rule 4:50

- 1(a))

. In this case, we find that defendant fails to present a meritorious defense to the foreclosure or exceptional circumstances warranting relief under Rule 4:50

- 1(f). Defendant does not contest his default on the mortgage, and defendant's arguments are otherwise unavailing. Defendant argues that he was denied access to the court because the clerk 's office did not file some of his submissions, but the clerk's office properly marked these submissions as "Received but not Filed" because defendant failed to pay the appropriate filing fees or to submit a proper s ub stitution of attorney signed by the withdrawing attorney

. See R. 1:5

- 6(c)(1)(A), (D) . Defendant also argues that he was promised a loan modification in exchange for withdrawing his contested answer to the foreclosure complaint, but the terms of the conse nt order do not provide for such a modification. "In general, settlement agreements will be honored absent a demonstration of fraud or other compelling circumstances." Nolan v. Lee Ho , 120 N.J. 465, 472 (1990) (internal quotations and citations omitted)

. In this case, defendant has presented no evidence of fraud or other compelling circumstances that warrant vacating the consent order. For these reasons, the trial court did not abuse its discretion in refusing to vacate the final judgment and sheriff' s sale. The remaining arguments raised by7 A

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defendant are without sufficient merit to warrant di scussion in a written opinion.
R. 2:11

- 3(e)(1) (E). Affirmed.