CPLR 3215(c) requires a plaintiff to move for a default judgment within a year of the defendant's default in answering or appearing. In a mortgage foreclosure action, the statutory requirements are satisfied by moving for an order of reference within a year of the default. The plaintiff's failure to make the motion requires dismissal of the action, either upon motion or sua sponte, except where sufficient cause is shown why the complaint should not be dismissed. Sufficient cause requires a reasonable excuse for the delay in moving for a default judgment and a potentially meritorious cause of action.
U.S. Bank N.A. v. Nunez, NY Slip Op 00515 (1st Dep't January 28, 2021)