New York Laws
Article 13 - Action to Foreclose a Mortgage
1311 - Necessary Defendants.

§ 1311. Necessary defendants. Each of the following persons, whose
interest is claimed to be subject and subordinate to the plaintiff's
lien, shall be made a party defendant to the action:

1. Every person having an estate or interest in possession, or
otherwise, in the property as tenant in fee, for life, by the curtesy,
or for years, and every person entitled to the reversion, remainder, or
inheritance of the real property, or of any interest therein or
undivided share thereof, after the determination of a particular estate
therein.

2. Every person having a right of dower or an inchoate right of dower
in the real property or any part or share thereof.

3. Every person having any lien or incumbrance upon the real property
which is claimed to be subject and subordinate to the lien of the
plaintiff.

4. Where the mortgage is upon any of the public utilities regulated by
the public service law, the public service commission.

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