Highlands Current Audio Stories
Blame foreclosure on 'unhinged' acquaintance A Putnam County judge on Wednesday (June 17) denied an attempt by a couple who owned a dry cleaner on Route 9 in Philipstown to regain the property, which they said was lost to fraud. Judge Gina Capone upheld the foreclosure and eviction by MT&T Bank of Sokhara Kim and Chakra Oeur from 3154 Route 9, which from 1995 to early 2024 had been owned by Kim through Mary Dawn Inc. and was home to Nice & Neat Dry Cleaners, a nail salon and a residence she shared with her husband. Kim and Oeur, immigrants from Cambodia who also operated an outdoor restaurant and art gallery at the location, were evicted on Dec. 9, 2025, ending a foreclosure process that began in August 2022, after Kim stopped making payments on a $570,000 mortgage. Capone, who oversaw the case, ordered the foreclosure in February 2024. A bank subsidiary, Chesapeake Holding, paid $620,200 for the parcel at an auction in May 2024. Capone rejected Kim and Oeur's main contention — that they were victims of Derek Keith Williams, who met the couple when his girlfriend, Mauny Bun, ran the salon. Williams, who is facing fraud and grand larceny charges, convinced Kim that he had paid off the mortgage, according to court documents. Then, for the next few years, he hid the foreclosure by demanding that she "turn over any mail or paperwork relating to the property, Mary Dawn Inc., any court or any bank," said her attorney, Jacob Chen. Chen said the court "never acquired personal jurisdiction" over Kim because the process server identified the person he handed the original foreclosure documents to as a female Asian "coworker" of Kim's, with an estimated age of 45. Chen also said that Oeur should have been included as a party to the foreclosure proceeding because he lived at the property and managed the Khmer Art Gallery. In Capone's 31-page ruling, she said both Kim and Oeur were "wholly aware" of the foreclosure and the sale of the property well before they claimed to have learned of the eviction in November 2025. She cited appearances Kim made with Williams in Erie County Court when M&T sued in 2020 over the delinquent loan. She also said a handwritten complaint Kim filed in January 2025 against M&T with the Federal Reserve used the foreclosure case number. In addition, said Capone, the contention that Williams withheld mail about the foreclosure "is undermined by the fact that, according to Ms. Kim, Mr. Williams was not living at the subject premises, and present there on a day-to-day basis, until September 2023," a year after the bank initiated the proceeding. "One constant, according to the plaintiff, was that Ms. Kim and Mr. Williams acted in concert to prevent, hinder and interfere" with the bank's efforts to gain the property, said Capone. Kim says Williams is solely to blame. In a statement filed with the court, she said a personal loan used to rebuild the property after a fire destroyed it in 2005 had been taken over by M&T Bank when she met Williams through Bun in 2019. Kim said that Bun, whose mother she had known for over 30 years, "reminded me a lot of my daughter … and I put a lot of trust and faith in her." She decided to accept Williams' offer to buy the property for $1.2 million and transfer it to an entity called DKW Trust. "I had worked tirelessly for many, many years at that point," said Kim. "I was excited about the opportunity to take a break from working and to be able to give something to my grandchildren, and so I agreed." Williams requested access to Mary Dawn's bank account, provided Kim with "official-looking documents containing seals and stamps," and said he had paid off the mortgage and would let her live there while he "finalized" the trust, according to court documents. In addition to demanding that any mail related to courts and the bank be turned over to him, he also asked Kim to sign documents and submit filings without explaining what they were, and demanded access to her emails, according to court...
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