Success Stories

Our client came into our office after being sued by a debt collector for a credit card debt. She, unfortunately, buried her head in the sand and never dealt with the lawsuit after being served and the debt collector got a final judgment against her. She finally decided it was time to get help when her bank account was frozen for failure to pay off the final judgment. She called several lawyers and no offered her any solution other than bankruptcy. Fortunately for her she called Loan Lawyers and we took a deep dive into the lawsuit and uncovered a serious debt collection violation. The debt collector disclosed and published her credit score in the original lawsuit they filed against her. We reached out to the debt collector’s law firm and told them we will be suing the debt collector and the lawyer as well for disclosing our client’s personal information unless they agreed to vacate the final judgment, dismiss the case and wipe off the collection from our client’s credit report. Within one week we had a response and they agreed to our settlement terms.

It is cases like this where choosing the right law firm makes all the difference in the world. One of the things that sets us apart from many other law firms is that we sue debt collectors and have a proven track record of doing so. Many other lawyers are just negotiators and try to get you to pay something. Our goal is to get you out of paying anything. The fact that we sue debt collectors and have deep knowledge of consumer protection laws allows us to leverage great results when we can uncover violations. These violations are more common than you might think, but if you do not know what to look for, you are letting an opportunity pass you by. Choosing a real litigation and trial law firm to fight your debt collector’s lawsuit is for sure the way to go. Had this client not contacted us, they would have had to pay thousands of dollars to the debt collector to get out of the mess. However, because she called us, she paid nothing to them, and her credit score saw a nice increase.

If you find yourself being sued by a debt collector, contact Loan Lawyers right now for your 100% free consultation. Why choose a law firm that just wants to get you to pay less when you can get a team of real litigators on your side. Call us now at 1-888-FIGHT-13 for your free consultation.

Matthew D. Bavaro, Esq.

Loan Lawyers, LLC

3201 Griffin Road, Suite 100

Fort Lauderdale, FL 33312

(954) 523-4357

We had a foreclosure case where our clients had a Home Equity Line of Credit. They modified the first mortgage and were under the impression that modification included the line of credit as well. Unfortunately, this was not the case and the line of credit went without being paid for over 10 years. Eventually, the lender foreclosed. Unlike the prior attorneys on the case, we aggressively defended the case. We also worked on a loan modification for this client and as a result of our tenacity in defending the case, we were able to negotiate the terms of the offer that we secured for her to present an even better offer to the client which she happily accepted. The Plaintiff dismissed their case and the client was able to save her home with the help of Loan Lawyers.

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 and 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 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.

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 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 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.

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 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.

Nicholas came to Loan Lawyers because he was receiving numerous auto-dialed and/or pre-recorded message phone calls on his cell phone from a debt collector trying to collect on a payday loan he had taken out to pay his bills. The phone calls were causing a major disruption in his everyday life, affecting his ability to work and make a living. Every time Nicholas answered the phone, the caller (debt collector’s agent) would be very rude and would make numerous threats to Nicholas if he did not pay the outstanding balance. At this same time, Nicholas lost a family member and was dealing with a lot of stresses of life. The debt collector ignored Nicholas’s numerous attempts for the debt collector to stop calling his cell phone, while he attempted to get back to work and pay back the loan. Nicholas was unable to escape the phone calls. Every time he would block their number, the debt collector would call again from a new local number. Thankfully, Nicholas found the relief he was looking for from the help of the staff at Loan Lawyers. With Loan Lawyers representing him, Nicholas filed a lawsuit in Federal Court against the debt collector for violation of the TCPA and FCCPA. Nicholas alleged that the debt collector willfully or knowingly violated the TCPA by calling his cell phone with an auto-dialer and/or pre-recorded message without Nicholas’s prior consent.

Under the TCPA, a person can receive $500 in damages for each violation or $1,500 for each violation if the defendant willfully or knowingly violated the TCPA. The matter was resolved, the debt collector waiver the outstanding balance on Nicholas’s payday loan. Nicholas is now able to move on without the burden of the debt collector threatening and harassing him. Nicholas can now move on with his life away from the debt collector’s disrupting phone calls that haunted him thanks to the staff and lawyers at Loan Lawyers.

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.

*Pseudonym used.

** Results may not be typical. You may not have as beneficial a result.