TD Bank, N.A. v Koumba Textile Inc. 2024 NY Slip Op 30516(U) February 15, 2024 Supreme Court, New York County

Docket Number: Index No. 652341/2023 Judge: Louis L. Nock Cases posted with a "30000" identifier, i.e., 2013 NY Slip

Op 30001 (U), are republished from various New York State and local government sources, including the New

York State Unified Court System's eCourts Service. This opinion is uncorrected and not selected for official publication.652341/2023 TD BANK, N.A. vs. KOUMBA TEXTILE INC. ET AL

Motion No. 001 Page 1 of 5 The following e

- filed documents, l isted by NYSCEF document number s (Motion 001) 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, a n d 28

were read on this motion for D E F A U L T JUDGMENT

. LOUIS L. NOCK, J

. S

. C

.
Upon the foregoing documents, the p l a i n t i f f ’ s motion f

o r a default judgment is granted,

without opposition, a n d f o r t h e r e a s o n s s e t f

o r t h i n t h e m o t i o n p a p e r s , a n d p e r t h e f o l l o w i n g

m e m o r a n d u m d e c i s i o n

.
Background

On July 5, 2019, p laintiff TD Bank, N.A.

, extended a commercial line of credit for

$50,500 ( t h e “Loan”) to defendant Koumba Textile Inc. (“Borrower”) , as evidenced by a

“ Promissory Note” (the “Note”) and “Business Loan Agreement” (the “Loan Agreement”) ( Hall

Mitchell aff., NYSCEF Doc. No. 6 , ¶¶ 6

– 8 ). The Loan was secured by a certain executed

“Commercial Guaranty

, ” whereby defendant Ousmane Sampil (“Guarantor”) absolutely and

unconditionally guaranteed payment of all amounts due on the Loan (the “Guaranty”) owed by

Borrower to p laintiff ( id. , ¶¶ 18

– 21). To further secure payment of the Loan, Borrower executed

a certain “Commercial Security Agreement

, ” whereby Borrower granted p laintiff a security

interest in all of Borrower’s assets as defined in the Commercial Security Agreement (the



### SUPREME COURT OF THE STATE OF NEW YORK

NEW YORK COUNTY

PRESENT: HON. LOUIS L. NOCK PART 38M

Justice

----------------------------------------------------------------- -- -------------- X INDEX NO. 652341/2023

MOTION DATE 11/02/2023

MOTION SEQ. NO. 001

DECISION + ORDER ON MOTION TD BANK, N.A.,

Plaintiff,

- v

-

KOUMBA TEXTILE INC. a n d OUSMANE SAMPIL

,

Defendant s

.

------------------------------------------------------------------- -- ------------ X INDEX NO. 652341/2023

NYSCEF DOC. NO. 29 RECEIVED NYSCEF: 02/15/2024

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### [* 1]652341/2023 TD BANK, N.A. vs. KOUMBA TEXTILE INC. ET AL

Motion No. 001 Page 2 of 5 “Collateral”) (the Note, Loan Agreement, Commercial Guaranty, Commercial Security

Agreement, and all related loan documents are collectively refer red to hereinafter as the “Loan

Documents”) , which security interest was perfected by a UCC

- 1 Financing Statement ( id. , ¶¶

22

– 23 ).

As more fully set forth in the affidavit of Kimberly Hall

- Mitchell

, p laintiff ’s a ssistant

v ice p resident

, Borrower defaulted on the Loan by failing to make monthly payments

, as

required under the Loan Documents (the “ S t a t e d Default”) , starting with the November 5, 2022,

payment and each monthly payment thereafter ( id. , ¶ 26). Despite p laintiff ’s declaration of the

Stat ed Default, acceleration of the Loan, and demands for immediate payment of all amounts due

on the Loan on February 17, 2023, and again on April 13, 2023, Borrower and Guarantor remain

in default under the terms of the Loan Document s ( id. , ¶¶ 27

– 28). As of August 10, 2023, the

total amount of p laintiff ’s alleged damages against both defendants is $56,715.42 ( id. , ¶ 29).

Plaintiff commenced this action on May 15, 2023 (summons and complaint, NYSCEF

Doc. No. 1). Affidavits of service, regular on their face s , attest to service on Borrower by

service on the Secretary of State on May 26, 2023, pursuant to Business Corporations Law §

306(b) (NYSCEF Doc. No. 3 ) , and on Guarantor by delivery and mailing to his dwelling place

pursuant to CPLR 308(2) , wit h service complete d on May 30, 2023 (NYSCEF Doc. No. 2 )

. An

affirmation of additional service filed in support of the motion attests to the requisite additional

mailing pursuant to CPLR 3215(g)(4)(i) and 3215 (g)(3)(i) on September 19, 2023

, more than

twenty days in advance of entry of judgment ( Espinal aff., NY SCEF Doc. No. 25

, ¶¶ 2

– 3 )

.
Defendants’ time to respond to the complaint has expired, and they have neither appeared nor

answered the complaint. T here is no opposition to the motion. INDEX NO. 652341/2023

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### [* 2]652341/2023 TD BANK, N.A. vs. KOUMBA TEXTILE INC. ET AL

Motion No. 001 Page 3 of 5 Standard of Review

A plaintiff that seeks entry of a default ju dgment for a defendant ’ s failure to answer must

submit proof of service of the summons and complaint upon the defendant, proof of the facts

constituting the claim, and proof of the defendant ’ s default (CPLR 3215 [f] ). “The standard of

proof is not stringent , amounting only to some firs t hand confirmation of the facts” ( Feffer v

Malpeso , 210 AD2d 60, 61 [1st Dept 1994]). “[D]efaulters are deemed to have admitted all

factual allegations contained in the complaint and all reasonable inferences that flow from them”

( Woodson v Mendon Leasing Corp. , 100 NY2d 62, 71 [2003]). Nevertheless, “CPLR 3215 does

not contemplate that default judgment s are to be rubber

- stamped once jurisdiction and a failure

to appear have been shown. Some proof of liability is also required to satisfy the court as to the

prima facie validity of the uncontested cause of action” ( Guzetti v City of N

. Y

. , 32 AD3d 234,

235 [1st Dept 2006] [internal quotations and citations omitted]).

Discussion

Plaintiff has satisfied its burden on the motion by submission of the affidavits of service

on defendants (NYSCEF Doc. Nos. 2 , 3 )

, the affirmation of additional mailing on defendants

(NYSCEF Doc. No. 25, ¶¶ 2

– 3 ), the affirmation of p laintiff ’s counsel Ange l F. Espinal, Esq.

attesting to defendants’ default ( Espinal aff., NYSCEF Doc. No. 14

, ¶¶ 4

– 11 )

, and Hall

Mitchell ’s affidavit, which attests to the facts alleged in the complaint and the amount of

p laintiff ’s damages (Hall

- Mitchell aff., NYSCEF Doc. No. 6, ¶¶ 6

– 8 )

. Defendants have never

appeared in the action, nor did they submit any opposition to the motion. Plaintiff is

, therefore

,
entitled to entry of a default judgment against defendants.

T h e N o t e , L o a n A g r e e m e n t

, a n d G u a r a n t y a l l c o n t a i n a t t o r n e y f e e p r o v i s i o n s ( s e e , N o t e

a t 1 ; L o a n A g r e e m e n t a t 4 ; G u a r a n t y a t 3 )

. P l a i n t i f f ’ s c o u n s e l h a s s u b m i t t e d a n A f f i r m a t i o n o f INDEX NO. 652341/2023

NYSCEF DOC. NO. 29 RECEIVED NYSCEF: 02/15/2024

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### [* 3]652341/2023 TD BANK, N.A. vs. KOUMBA TEXTILE INC. ET AL

Motion No. 001 Page 4 of 5 L e g a l F e e s , C o s t s a n d E x p e n s e s ( N Y S C E F D o c

. N o

. 1 9 ) w h i c h s e t s f o r t h w h a t

, b a s e d o n t h i s

c o u r t ’ s a p p l i c a t i o n o f t h e a p p l i c a b l e s t a n d a r d s ( s e e , I n r e F r e e m a n ’ s E

s t a t e , 3 4 N Y 2 d 1 [ 1 9 7 4 ] )

,

c o n s t i t u t e s r e a s o n a b l y i n c u rr e d l e g a l f e e s i n t h i s m a t t e r , a m o u n t i n g t o $ 2

, 2 0 8

. 7 8

.
Accordingly, it is

ORDERED that the p l a i n t i f f ’ s motion f

o r a d e f a u l t j u d g m e n t is granted; and

, a c c o r d i n g l y ,

it is

ORDERED that the Clerk of the Court is directed to enter judgment in favor of plaintiff

and against both def

endants , jointly and severally, in the principal amount of $ 49,898.80

, with

interest on s a i d principal amount at the statutory rate from F e b r u a r y 2 7

, 2 0 2 3

, 1 through t h e d a t e

o f entry of judgment, as calculated by the Clerk, and continuing to accrue thereafter through t h e

d a t e o f satisfaction of judgment

, a n d i n t h e a d d i t i o n a l s u m o f $ 2

, 2 0 8

. 7 8 a s p l a i n t i f f ’ s r e a s o n a b l e

a t t o r n e y s ’ f

e e s i n c u r r e d i n t h i s a c t i o n ; a n d i t i s f u r t h e r

ORDERED t h a t

, w i t h i n 1 4 d a y s o f t h e d a t e o f f i l i n g h e r e o f

, d e f

e n d a n t Koumba Textile

Inc. is compelled to make a v a i l a b l e t o p l a i n t i f f T D B a n k

, N

. A

. , t h e c o l l a t e r a l d e s c r i b e d i n t h e

U C C

- 1 F i n a n c i n g S t a t e m e n t f i l e d i n t h i s a c t i o n ( N Y S C E F D o c

. N o

. 1 1 ) ( t h e “ C o l l a t e r a l ” )

, for

sale or other disposition pursuant to the Uniform Commercial Code; a n d i t i s f u r t h e r

O R D E R E D t h a t p l a i n t i f

f T D Bank, N.A

. , is authorized to sell, liquidate, dispose of or

retain th e Collateral in a commercially reasonable manner, with the proceeds from the same

being applied first to the costs of such sale or other disposition and then in reduction of the

amounts due from d e f

e n d a n t Koumba Textile Inc.; a n d i t i s f u r t h e r

O R D E R E D t h a t d e f

e n d a n t Koumba Textile Inc. is restrained from a ny use of the

Collateral; a n d i t i s f

u r t h e r

1 T h e a c c e l e r a t i o n d a t e o f t h e i n d e b t e d n e s s a s a l l e g e d i n t h e c o m p l a i n t ( ¶ 1 9 )

. INDEX NO. 652341/2023

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### [* 4]652341/2023 TD BANK, N.A. vs. KOUMBA TEXTILE INC. ET AL

Motion No. 001 Page 5 of 5 O R D E R E D t h a t d e f

e n d a n t Koumba Textile Inc. is required to hold all the Collateral and

all proceeds from the Collateral in trust for TD Bank, N.A.; and i t i s f u r t h e r

O R D E R E D t h a t

, u p o n e n t r y o f j u d g m e n t h e r e i n b y t h e C l e r k o f t h e C o u r t

, t h e s heriff of

any c ounty of the State of New York in which the Collateral is located, upon receipt of a copy of

this D e c i s i o n a n d Order

, and s u c h j u d g m e n t

, a n d u p o n t h e payment b y p l a i n t i f f of s a i d s h e r i f

f ’ s

fees, is directed to break open, enter, search for, and seize the Collateral and deliver same to

plaintiff

.

T his constitutes the decision and order of the court.

E N T E R :

2/ 1 5 /2024 $SIG$
DATE

CHECK ONE: X CASE DISPOSED NON

- FINAL DISPOSITION

X GRANTED DENIED GRANTED IN PART OTHER

APPLICATION: SETTLE ORDER SUBMIT ORDER

CHECK IF APPROPRIATE: INCLUDES TRANSFER/REASSIGN FIDUCIARY APPOINTMENT REFERENCE INDEX NO. 652341/2023

NYSCEF DOC. NO. 29 RECEIVED NYSCEF: 02/15/2024

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