Those interested in discussion of potential borrower double liability would also be well counseled to read the portions of the decision in 5-Star Mgmt. v. Rogers relating to the "default rule". See 5-Star Mgmt. v. Rogers, 940 F. Supp. 512, 1996 U.S. Dist. LEXIS 15018 (E.D.N.Y. 1996). See also the post "Separation of Note and Mortgage".