Success Stories

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.

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.

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

I have a great story to share.  A single mom with several children took out an online loan for almost $20,000.  Unfortunately the terms of these easy online loans can be quick onerous and borderline predatory.  She was being charged almost 30% interest and within months during the pandemic had to choose between food on the table or paying exorbitant interest.  The choice was obvious. The online loan company sold the debt to a debt buyer who specializes in suing people who default on their financial obligations whether credit cards, personal loans, and automobile repossession deficiencies. They chased her for several months but she had no money to pay.  So this debt buyer sued her in court.  She was devastated.  She spoke to a number of attorneys who all told her the same thing, that she would be able to get a break off of the total amount but she would have to start making monthly payments or she will receive a judgment and then her bank account and paychecks would be garnished.  Other attorneys she spoke with advised her to file a bankruptcy.  Then she called Loan Lawyers.

We began to challenge this debt buyer in court.  This particular debt buyer has already been in our crosshairs and we already have a class action pending against them in federal court.  We threatened to sue them for a number of consumer protection violations. Thankfully, they decided it was better not to fight and to give up rather to have to deal with the fight we would bring to them.  They agreed to completely wipe out the debt without making our client pay a single cent and they even agreed to delete the collection from her credit report.  To say that this single mom was happy was an understatement.  She could not believe we were able to accomplish that for her.  She was finally crying tears of joy.  This was life changing for her.  She no longer has to worry about agreeing to make payments that she could not afford, her bank accounts are safe, her paychecks are safe, and her credit score has skyrocketed.  Congratulations to her and our entire debt defense team for pulling this off.  It could have happened to a nicer client.

If you find yourself being sued over a defaulted personal loan, credit card, automobile repossession deficiency, student loan, or any other type of debt, call Loan Lawyers now for your free consultation with one of our attorneys.  You can reach us at 1-888-FIGHT-13 for your free consultation, you will be glad you did.

A totally distraught client came to our office several months ago.  He is elderly and was suckered into co-signing a bunch of student loans for his son.  His son apparently pocketed the money and never finished school.  This situation caused our elderly client to have a stroke and a heart attack from all of the stress over this.  He is on a fixed income and could not pay a massive student loan debt.  The student loan company filed a lawsuit against him.  At first glance, it seemed as if it was a tough case for our client.  However, upon a close examination of the records attached to the lawsuit, we found a major blunder committed by the student loan company and their lawyer.

They disclosed private credit information in the attachments to the lawsuit they filed. That gave us just the opening we needed to go on the offensive.  We began preparing a class action lawsuit against the student loan company and the lawyer for violating our client’s rights under the Fair Credit Reporting Act.  We threatened to file the class action unless they wiped out every last penny in student loan debt.  They tried weaseling their way out but offering to wipe out only a small amount, but he held firm.  It was either wipe out every last cent or we go after them in federal court on behalf of everyone they have done this to.  After realizing that we meant business, they threw in the towel and agreed to wipe out the entire student loan balance for all of the loans.

To say that our elderly client was happy would be an understatement.  He was practically crying from joy when he heard the good news.  That is why Loan Lawyers exists, to make a difference in people’s lives.  This is the feel good story of the month for sure.

If you have been sued over student loan debt, do not give up hope.  While these cases are not easy, with the right lawyer on your side, you may be able to accomplish a lot.  We have actually uncovered that this student loan company has committed this same violation in cases across the United States.  If you have been sued for a defaulted student loan, whether the case is pending or it has been closed, we would love to review your situation and see if they have done this to you as well.

Call Loan Lawyers now at 1.888.FIGHT.13 for your 100% FREE case review.  Our lawyers are ready to help you.

We had a great result for a nice family that came to see us regarding a foreclosure case. They fell on hard times a couple of years ago and were unable to make their mortgages payments. They were eventually sued for foreclosure which was devastating to this family. They were struggling financially as it was and now are threatened with losing the roof over their heads. It was obviously an incredibly stressful time for this family, but fortunately they turned to Loan Layers for help. At the time they originally came to our office, things were improving financially for them, but they were not earning enough money to be able to make mortgage payments again and also did not have enough income to qualify for a modification. So we initially defended the foreclosure for them and began to pick apart the documents to find anything that we could use to defend the case. As the months went on, the client began to earn more money and were ready to start making mortgage payments again, but they needed a loan modification. Catching up on 2 years’ worth of missed mortgage payments was not realistic but making a reasonable monthly payment was possible.

The next step was to submit a loan modification for the client. Regulation X is a federal regulation that governs mortgage loan servicers. One of the provisions of Regulation X found at 12 C.F.R. 1024.41 gives homeowners the right to be reviewed for loss mitigation, including a loan modification. Everything seems great for the clients to be approved. Their income seemed to be just right, they had a legitimate hardship, and everything looked fine in terms of being approved. Regulation X required that the loan servicer provide an answer on a loan modification request within 30 days of receipt. However, 30 days went by and the servicer never responded. We next sent a follow-up letter reminding the servicer of the obligation to provide a response within 30 days and we afforded them another 10 days before we take action. We received nothing back but radio silence.

The clients were then transferred over to our federal litigation department where we sued the loan servicer in federal court for violating Regulation X but not providing a response within 30 days. Well, the loan modification request never got their attention and the follow up letter we sent never got their attention. However, the federal lawsuit finally woke them up. The federal case ended up setting with the servicer offering the clients a wonderful loan modification and paying all of his legal fees and costs for having to bring the federal lawsuit.

This case study is a perfect example of why a homeowner must choose a law firm with multiple ways of helping people save their homes. Some lawyers do nothing bur foreclosure defense in court and do not do any loan modifications. Other law firms won’t appear in court for homeowners, but will do modification requests. Very few lawyers in Florida are familiar with Regulation X and are ready to sue servicers for those violations. To save these clients’ house, it took 2 solutions. First, we needed to defense the client in court, then we needed to submit a loan modification, and third we needed to sue in federal court. Had this client chosen a law firm that did not offer all 3 of these services, they would not have been put in a position to save their home. At Loan Lawyers, we have a deep understanding of how all solutions necessary to save a home work together, whether foreclosure defense, loan modification, federal litigation, and even bankruptcy.

If you are struggling to save your home, choose a law firm that all of the solutions that you may need to 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.

Our client fell on some difficult times several years ago.  He was struggling financially and had to choose between feeding his family or paying a credit card.  The choice was obviously not a difficult one to make.  Several years went by and the client never heard about the credit card debt again.

Out of the blue, he was sued for over $14,000 by a major national debt buyer.  The client was really getting back on his feet, however, being sued for $14,000 was a troubling experience.  Although he was doing much better financially than in years past, he did not have $14,000 laying around.  He was concerned about a judgment being entered and his paycheck or bank account being garnished.  He spoke to several lawyers who told him that they could probably work out a deal to pay between 35% and $40% of the debt and get him a payment plan to pay to off over 2 years.  The client wanted to live up to his obligations, but having to pay this debt would put him right back in financial distress. Fortunately, he called Loan Lawyers.

This debt buyer knows that we sue for all sorts of debt collection violations under the Fair Debt Collection Practices Act and other laws designed to protect people with debts.  With just a few phone calls (and little chest pounding), we were able to get this debt buyer to dismiss the case against our client, completely wipe out the debt, and remove it from his credit report.  All of this was done within 2 weeks.  This case study is a great example of how important it is to choose the right law firm if you have been sued over a defaulted debt.

If you find yourself on the wrong end of a lawsuit, call Loan Lawyers right now at 1-888-FIGHT-13 for your 100% free consultation with one of our attorneys and let’s discuss what magic Loan Lawyers may be able to work for you!