Success Stories

We successfully helped a client who became the victim of improper and illegal debt collection practices. The debt collector obtained a judgment against her in state court without properly serving her, denying her the opportunity to defend herself—clear violations of the Fair Debt Collection Practices Act (FDCPA).

After consulting with our client and thoroughly researching the issue, we quickly took action by filing a federal lawsuit against the debt collector for these unlawful practices. Our prompt and strategic approach allowed us to negotiate a highly favorable settlement on behalf of our client. As a result, we were able to have the judgment vacated, eliminate the entire underlying debt, and most importantly, provide our client with peace of mind knowing she would no longer face any illegal debt collection attempts.

If you’re facing similar issues with debt collectors, we’re here to protect your rights and help you achieve a fair resolution. Let us put our experience to work for you and ensure you’re not unfairly burdened by unlawful debt collection practices.

We successfully helped our client secure a loan modification and avoid foreclosure in a complex situation where she was being sued by the bank for non-payment. The underlying issues with her loan required immediate attention, so we took decisive action by sending a Request for Information (RFI) and a Notice of Error (NOE) to the loan servicer, Mr. Cooper.   When Mr. Cooper failed to respond appropriately, we escalated the matter by filing a federal lawsuit against them for violations of the Real Estate Settlement Procedures Act (RESPA), ensuring our client’s rights were protected and enforced.

By taking this strategic legal action, we gained significant leverage over the loan servicer, allowing us to negotiate a highly favorable settlement for our client. This resulted in a loan modification through a partial claim mod, the dismissal of the foreclosure lawsuit, and the ability for our client to remain in her home with affordable, manageable payments. Most importantly, our client regained peace of mind and was able to move forward without the looming threat of foreclosure.

If you’re facing similar challenges with your mortgage or loan servicer, our team is here to help. We have the experience and dedication to protect your rights, negotiate on your behalf, and find a resolution that works for you.

We helped a couple who were facing unfair debt collection practices related to a debt owed to their Homeowners Association (HOA). They were being charged excessive and unwarranted fees and costs, in addition to the original debt, which was being aggressively pursued through collections. Upon investigating the matter, we identified that these actions violated the Fair Debt Collection Practices Act (FDCPA).

With this knowledge, we worked tirelessly to negotiate a favorable settlement that not only erased the unjust debt but also brought them current with their HOA payments. Additionally, we secured statutory damages on their behalf for the unlawful debt collection they were experiencing, prevented an unwarranted foreclosure, and ultimately alleviated their anxiety and stress. Our efforts ensured the couple was no longer burdened by unfair collection practices, providing them with the peace of mind they deserved.

We had a case where our client was being sued on a reverse mortgage. The Complaint alleged that the borrower failed to occupy the property and as a result, the borrower breached the terms of the note and mortgage. The client who was elderly got sick and was too unwell to send in the occupancy certification in a timely manner. The client however never ceased to occupy his home. In a matter of weeks, we got the bank to retroactively certify occupancy and had HUD rescind the foreclosure. Now our client can rest easy knowing that he no longer has to face the peril of a foreclosure case.

If you encounter yourself in a debt-related lawsuit, choose a law firm that will fight for you to help you save your home.  Call us now for your 100% free consultation with one of our attorneys.  We will go through the details of your specific situation, help craft a plan that works best for you, and put you in the best position to try to save your home.  Call us now at 1-888-FIGHT-13.

I recently met with a client who was shocked to discover a debt buyer had obtained a final judgment against her without her knowledge.  I reviewed the court docket with her and learned that the client was allegedly served with a copy of the complaint at a “Private Mailbox.”  These include places like the UPS Store, Pak-N-Ship locations, etc.

Service of process occurs when the defendant in an action is delivered a copy of the petition, complaint or other initial paper or initial pleading.  Fla. Stat. Ann. § 48.031 (West).   Florida Statutes Chapter 48 lists various additional mechanisms available to a Plaintiff to who is trying to serve you.  However, service at a private mailbox/ UPS Store is only valid under extremely limited circumstances as listed in the statute below:

Florida Statute §48.031(6)(a) provides that:

(6)(a) If the only address for a person to be served which is discoverable through public records is a private mailbox, a virtual office, or an executive office or mini suite, substituted service may be made by leaving a copy of the process with the person in charge of the private mailbox, virtual office, or executive office or mini suite, but only if the process server determines that the person to be served maintains a mailbox, a virtual office, or an executive office or mini suite at that location.  (emphasis added).

The statute only allows for service at a private mailbox if the private mailbox address is the only address discoverable through the public records.  The client had been residing at her home for over a year and her voter’s registration, available via a simple internet search, listed her home address.

Loan Lawyers immediately got to work on the client’s case and filed a motion to quash service and a Motion to Vacate the Default Final Judgment that had been entered against her.  We attached supporting documents to the Motion to Quash showing that our access to our client’s home address is readily available in the public record.

When met with the convincing evidence that we submitted to the Court, the debt buyer’s attorney agreed that the service was invalid and also agreed to vacate the default final judgment.  The client was grateful that Loan Lawyers were able to get the judgment vacated as the judgment amount was over $10,000.

Many consumers are encountered with a judgment of which they were previously unaware and decide to go ahead and pay the debt buyer just to make them go away.  If you discover the existence of a judgment that you didn’t know about or were never served with court papers, contacting Loan Lawyers to evaluate your case is the best course of action.  There are many avenues that can be explored in potentially getting the judgment vacated.

Loan Lawyers has an outstanding track record of getting judgments vacated and helping our clients fight against debt buyers to reach a favorable outcome.  We have even assisted a few clients in getting old judgments vacated and fighting debt buyers until they decide to drop their case without our clients paying anything.

Loan Lawyers has helped over 5,000 South Florida homeowners and consumers with their debt problems, we have saved over 1,800 homes from foreclosure, eliminated $100,000,000 in mortgage principal and consumer debt, and have collected millions of dollars on behalf of our clients due to bank, loan servicer, and debt collector violations, negligence and fraud.  Contact us for a free consultation to see how we may be able to help you.

We had a case where our client was being sued on a line of credit that she had not heard from in many years. Her bank records reflected a charge-off of the loan. The bank then proceeded to sue on the debt owed on the Note. We litigated the case, conducted discovery, fought the bank at the Motion for Summary Judgment hearing and won! Before the Court could set the case for trial, the bank reached out to agree to dismiss their case with prejudice so our client. Now our client will not have to worry about the bank suing her on this debt ever again.

If you encounter yourself in a debt related lawsuit, choose a law firm that will fight for you to help you save your home.  Call us now for your 100% free consultation with one of our attorneys.  We will go through the details of your specific situation, help craft a plan that works best for you, and put you in the best position to try to save your home.  Call us now at 1-888-FIGHT-13.

We had a foreclosure case where our clients were being sued by their Homeowner’s Association. Our clients fell on hard times during the pandemic shutdowns because they worked in the tourism industry here in South Florida. The clients had tried to work out a payment plan with the Association, but the Association refused to work with them and proceeded with the foreclosure case. The clients decided to turn to Loan Lawyers and put the case in our hands.  We were able to buy the clients half a year to get their finances in order and allow time for the industry to get back up and running. We were also able to get the Association to agree to a payment plan that was affordable to our clients. The Association dismissed the case and our clients were able save their family home.

If you encounter yourself in foreclosure, choose a law firm that will fight for you to help you save your home.  Call us now for your 100% free consultation with one of our attorneys.  We will go through the details of your specific situation, help craft a plan that works best for you, and put you in the best position to try to save your home.  Call us now at 1-888-FIGHT-13.

We recently concluded the most unusual debt negotiation cases I’ve encountered. All our client was looking for was for us to negotiate a settlement where they would pay what they rightly owed and we got them that deal, but the background was very unusual.

This is the story of two friends who, unfortunately, had a falling out. Both were small businessmen. The plaintiff, Barman, owned a small bar. Our client, Builder, owned a construction company. One night while at a casino, Barman had been doing very well and handed Builder $5,000. Some time later, Barman wanted the $5,000 back and our client didn’t have it to give. Our client did give some of the money back and tried to otherwise make good by delivering several cases of beer to the bar that Barman could sell. When Barman decided to resort to the courts to try get his money, Barman claimed there was a loan with interest, forgot having received any money in return, and denied ever receiving any beer. The only evidence of the exchange of money at all were text messages produced by Barman supposedly between him and Builder insisting he needed the money, one of which displayed a reply that that Builder would try to get him money when he could.

As a lawsuit, the ultimate questions in the case were did the defendant owe any money and if so, how much? The one favorable thing for Barman that a jury might latch onto: if Builder didn’t owe the money, why didn’t he respond in the text with “what are you talking about, I don’t owe you any money.”

But the legal question here wasn’t whether Builder thought he owed money, its whether there was a loan that Barman could use the power of the court to require repayment of with interest. On that point, the hardest hitting thing for a jury to consider might be who hands a friend $5,000 in a casino seriously expecting to get it back, let alone seriously believing that it’s a loan that can accrue interest with nothing signed between them?

But these questions will never be put to a jury. Even though Barman didn’t want to negotiate and didn’t want to acknowledge what he was already paid or the value of the beer he received

– I WANT MY FIVE THOUSAND DOLLARS!!!, he gruffly complainted into the mic during a pre-trial conference –

Barman made a serious error: Barman didn’t hire a lawyer. When he filed the lawsuit, he filed it in the name of his business and filed it against our client’s business for reasons we may never know. Unfortunately for Barman, even if everything he alleged happened were true, nothing he filed in the claim tied any loan to his business or to our client’s business, making the lawsuit frivolous on its face. We brought to his attention that if he didn’t dismiss the case, then he would end up paying our attorneys’ fees and that got him back to the negotiating table. As it happened, even if he paid our attorneys fees to resolve that case, he would have been able to re-file, which would not have helped our client. But, faced with the possibility of paying our attorney’s fees, Barman accepted our client’s offer to repay what our client believed was rightly owed and nothing more.

Loan Lawyers has helped over 7,000 South Florida homeowners and consumers with their debt problems, we have saved over 3,000 homes from foreclosure, eliminated more than $100 million dollars in mortgage principal and consumer debt, and have recovered over $25 million dollars on behalf of our clients due to bank, loan servicer, and debt collector violations.  Contact us for a free consultation to see how we may be able to help you.

We had an elderly gentleman who lost all of his income at the start of the pandemic.  He had to choose between buying food and paying credit card debts.  Although it was a painful choice, the right choice was obvious.  This is sometime who has never paid anything late his entire life and he was greatly distressed by no longer paying his credit cards.  He was sued by the first debt collector in Palm Beach County.  He was a nervous wreck and did not know what to do.

He was getting very different advice from different lawyers.  He spoke with some lawyers who told him to file bankruptcy.  (As a side note, if you call a lawyer that only handles bankruptcy cases, they will likely always steer you to a bankruptcy.  I recommend staying away from these types of lawyers because how will you get honest advice about solutions other than bankruptcy if all that lawyers does.)  Other lawyers told him that they could help him reach a settlement where they could get about 50% of the debt knocked off.  Other lawyers told him he owes the money and he needs to figure out a way to pay.

Then, he called Loan Lawyers.  We told him with 99.9% certainty that we can fight that debt and get those whole case dismissed without him paying one cent to the debt collector.  He did not want to believe this because of the 10 or so other lawyers he spoke with, not one said they could get the case dismissed.  We told him to research our firm, research our online reviews, and get back to us.  Fortunately for him, he gave us a shot, but he told me very clearly that he was skeptical we could get that done.  Well, we got that done.  Within 8 weeks, the entire case was dismissed, the entire debt was wiped out, and the debt collector agreed to take the collection off of his credit report.

He was beyond happy and grateful with what we accomplished for him and was obviously convinced that he mad ethe right choice when it was all over.  Remember, like every other profession, not all lawyers are alike.  Not all lawyers have the reputation that we do. Not all lawyers have achieved anything close to what we have achieved for our clients.

If you find yourself being sued over a debt, you owe it to yourself to get your free consultation with Loan Lawyers.  We have many different ways we help people get out of debt.  We may be able to fight the lawsuit, negotiate a settlement, sue the debt collector, or maybe file a bankruptcy if that is indeed what is best for you.  Call us right now at 1-888-FIGHT-13 for your 100% free consultation.