The opinion
NOT FOR PUBLICATION WITHOUT THE
APPROVAL OF THE APPELLATE DIVISION
This opinion shall not "constitute precedent or be binding upon any court ." Although it is posted on the
internet, this opinion is binding only on the parties in the case and its use in other cases is limited . R. 1:36-3.
SUPERIOR COURT OF NEW JERSEY
APPELLATE DIVISION
DOCKET NO. A-0754-24
U.S. BANK TRUST NATIONAL
ASSOCIATION, not in its individual
capacity but solely as owner trustee
for RCAF Acquisition Trust,
Plaintiff-Respondent,
v.
HARINDER SINGH,
Defendant-Appellant,
and
RAVINDER KAUR, BELINDA M.
COMBS, STATE OF NEW JERSEY,
TOWNE LAKE HOMEOWNERS
ASSOCIATION, a/k/a TOWNE
LAKE EAST HOMEOWNERS
ASSOCIATION, INC.,
Defendants.
_______________________________
Argued March 3, 2026 – Decided March 16, 2026
Before Judges Gooden Brown and Torregrossa-
O'Connor.
On appeal from the Superior Court of New Jersey,
Chancery Division, Middlesex County, Docket No.
F-003759-23.
Harinder Singh, appellant, argued the cause on
appellant's behalf.
Respondent has not filed a brief.
PER CURIAM
Defendant Harinder Singh appeals from the Chancery Division's October
28, 2024 final judgment for foreclosure. The final judgment for foreclosure was
subsequently vacated and the underlying foreclosure action was dismissed in an
order dated February 20, 2025. Plaintiff, U.S. Bank Trust National Association,
filed a letter of non-participation with this court "[b]ecause the underlying
foreclosure no longer exists." Defendant confirmed at oral argument the final
judgment was vacated, and the foreclosure action is no longer pending; thus, he
agreed dismissal of his appeal is warranted as the matter is now moot.
"A case is moot if the disputed issue has been resolved, at least with
respect to the parties who instituted the litigation." Caput Mortuum L.L.C. v. S
& S Crown Servs., Ltd., 366 N.J. Super. 323, 330 (App. Div. 2004). Dismissal
is appropriate when "a judgment cannot grant effective relief, or there is no
concrete adversity of interest between the parties." Ibid. "An issue is 'moot
when our decision sought in a matter, when rendered, can have no practical
A-0754-24
2
effect on the existing controversy.'" Redd v. Bowman, 223 N.J. 87, 104 (2015)
(quoting Deutsche Bank Nat'l Tr. Co. v. Mitchell, 422 N.J. Super. 214, 221-22
(App. Div. 2011)). We are satisfied, as are the parties, this matter is moot
because a controversy no longer exists and the issue presented has been
resolved. See Caput Mortuum, 366 N.J. Super. at 330.
Dismissed as moot.
A-0754-24
3