I think the OP best get some real legal advice. UAlbany is making some very bold and glib statements on court decisions he didn't observe, stating repro actions that counter NYS General Business Law*, Nullify Lender's property rights, nullify lender's property rights, dismisses NYS Court Canons....and the list goes on, and on, and on. If it was otherwise, the newspapers and blogs be filled with first hand examples we be discussing presently. OP, always remember Oversight. There is always Oversight. Very few situations ever run wild for long. *The idea of repro people running around armed is outlandishly bizarre. That be painting a bullseye upon themselves, plus any judge go up like a rocket at such antics in his jurisdiction.