HSBC BANK USA, ETC. VS. CAROL L. SHEPPARD (F-004425-18, UNION COUNTY AND STATEWIDE)

NOT FOR PUBLICATION WITHOUT THE APPROVAL OF THE APPELLATE DIVISION This opinion shall not "constitute precedent or be binding upon any court ."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-3729-18T3 HSBC BANK U.S.A., NATIONAL ASSOCIATION, as trustee for NOMURA HOME EQUITY LOANS, INC., HOME EQUITY LOANS TRUST, Series 2005-HE1, Plaintiff-Respondents, v. CAROL L. SHEPPARD and WILLIAM W. SHEPPARD, Defendant-Appellants.…