This was the take home message from a recent Appellate Division opinion -- Lakeland Bank v. Sampson. In that case, Lakeland obtained final judgment of foreclosure against its borrower in connection with a home equity line of credit which was secured by a mortgage on the borrower's home. Lakeland named Bank of America ("BofA") as a defendant to wipe out a mortgage that Bank of America recorded against the same property subsequent to Lakeland's mortgage. BofA never answered the complaint, but moved, on the eve of the sheriff's sale, to cancel the sale and allow it to answer and assert a counterclaim. The trial court granted the motion and allowed the parties to take discovery on the priority of their mortgages. What the discovery revealed is what makes this case interesting and instructive.