Success Stories

Marie was deeply concerned with her mortgage account. Each month she continued to see her account climb and climb in what the bank claimed were accurate fees and costs associated with her mortgage. We investigated, sending out a qualified written request (QWR) to her mortgage servicer. Although the servicer received the inquiry, they did not respond. We sent them a follow-up correspondence for Marie. After that too yielded no result, we sent her servicer one final letter advising they were in violation of federal law. Unfortunately, the servicer’s lack of response continued unabated. We were left without an option and we filed a lawsuit against Marie’s servicer in federal court. The counsel for the servicer advised they were willing to waive the fees, pay her the statutory damages amount and pay all of her attorneys’ fees. I called Marie, who advised that to have her loan current, and some money in her pocket after her servicer gave her so much trouble, she feels a true debt of gratitude. This is all part of the team of Loan Lawyers and the blessing of being part of the Mortgage Servicing Division.

Loan Lawyers has saved over 1,500 homes in South Florida from foreclosure, eliminated over $100 million dollars in mortgage principal and consumer debt, and collected millions of dollars on behalf of our clients due to bank, loan servicer, and debt collector violations. Contact Loan Lawyers to find out how we may be able to help you.”

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

Frank G. (real name withheld for privacy) came to Loan Lawyers with a problem on his homestead property, and wanted help to get a loan modification. He had fallen behind on his mortgage payments and had been served foreclosure papers. We immediately got to work on defending his foreclosure and working on his loan modification. Frank also had a second property that he wanted us to help him with. The second property, a condo, was with another law firm, but Frank felt they were not making any progress and knowing that Loan Lawyers handles all aspects of debt issues, decided to move that case to our Firm as well. He was trying to do a short sale on the condo and he owed over $208,000 and the condo was only worth about $80,000. He was also now in foreclosure on this property as well. Going through his case on the condo, we discovered through a title search that both mortgages for the condo and his homestead property were encumbering the condo, thereby barring him for being able to sell it. Frank had bought both properties days apart with the same lender many years before, and unbeknownst to him, the condo had two liens one of which should have never been there. Frank had repeatedly tried to work with the bank before hiring us, but the bank would not work with him. While Loan Lawyers was defending both foreclosure cases, we diligently tried to work with the bank to rectify the issues on both properties; however, the bank refused to help our client and only wanted to foreclose. In 2014 the trial was set on the condo case. After a highly contested trial Loan Lawyers won the case. Not only did we successfully defeat the bank but we got a judgment in favor of our client. Because we were the prevailing party, the bank also had to pay for our client’s attorney fees, meaning that every penny Frank paid Loan Lawyers to fight his foreclosure was returned to him. Being that the bank refused to help our client this was a sweet victory. But there was more to come.

Trial was then set on Frank’s homestead property in 2015. Once again instead of doing the right thing and working with our client, Loan Lawyers took the bank to trial to fight for our client’s rights. Once more we were successful and defeated the bank with the Court entering an order that the bank had failed to prove their case. After a long and hard struggle with the bank Loan Lawyers had won both of Frank’s cases. If it wasn’t for Loan Lawyers dedication and commitment to fight for our clients’ rights and take the banks to trial when they refuse to cooperate, Frank could have lost both his houses. Unfortunately many consumer lawyers never go to trial, and Frank could have wound up in a bad situation if he didn’t choose us to represent him.

Client Jack and Sharon Scialabba came to us to help defend against a re-file by CitiGroup/CitiMortgage. This is the second case we’ve successfully defended for them. Citi re-filed their complaint on 2/24/15. The complaint properly alleged standing, included a copy of the prior modification and alleged that all conditions precedent had been complied with.

The case issues itself are fairly run of the mill – Plaintiff was able to prove standing and damages without much issue, however conditions precedent was the main area of contention. The property and notice address is listed as 9486 S. Military Trial #15, Boynton Beach, FL 33436. The Demand Letter is address to 9486 S. Military Trial #4, Boynton Beach, FL 33436. Arguably, unit 4 and unit 15 are the same. A simple search on the property appraisals website shows unit 4 being connected to unit 15. Because the property is a condominium, the confusion of the street address and unit numbers likely were at play. However, the burden still rests with Plaintiff to prove substantial compliance with their condition precedent.

At trial, the Plaintiff put into evidence the Demand Letter and the collection notes, both which show the Demand Letter being mailed to the unit 4 address. I thought for sure the Plaintiff would put into evidence anything else to corroborate that unit 4 and unit 15 are the same, however they failed to do so. I purposefully made an issue of standing (despite one not really existing) and made some minor issues about damages and their Power of Attorney. This tactic seemed to pay off, as Plaintiff spent a lot of their time focusing on defending these issues and not on the notice address discrepancy.

After Plaintiff rested, I moved for involuntary dismissal because of the wrong notice address. The Plaintiff tried to argue that the Court could take judicial notice of the complaint, which included a copy of the modification (which was never formally introduced into evidence), however the Judge declined to extend judicial notice that far. Plaintiff’s position was that the modification included an acknowledgment that unit 4 and unit 15 are the same. Since the modification was not put into evidence and no other documents were before the court to show unit 4 and unit 15 were the same, the Court granted our involuntary dismissal. This is the second dismissal for this client, concerning the same issue. The client was beyond thrilled.

We first met Allen B. (real name withheld for privacy) in bankruptcy court where he was representing himself. He filed his bankruptcy in order to stop the scheduled foreclosure trial on his home. Allen was surrounded by four creditor attorneys who were objecting to his proposed plan. Despite his best efforts, his case was eventually dismissed, which is often the case when consumers try to represent themselves.

Allen called Loan Lawyers and asked if we could take a look at his foreclosure matter. Upon review of the bank’s complaint and supporting documents, we felt that the bank had not met the required threshold in successfully prosecuting its case. However, despite the bank’s objectionable supporting documents, the court granted judgment in the bank’s favor. Believing that the bank had not met its burden, we filed an appeal so that an appellate level court can review the matter which we felt the court had erroneously ruled upon.

This time around we filed the bankruptcy on our client’s behalf in order to stop the foreclosure sale of his home. There were four secured creditors who claimed to have an interest in the home. The first mortgage had a claim of over one million dollars, the second mortgage had a claim of $150,000, there was a master homeowner’s association lien for $14,000, and a junior homeowner’s association lien for $12,000. Because the value of Allen’s home was less than the balance of his first mortgage, we were successful in stripping off his second mortgage and both homeowners’ association liens.

Removing the second, third and forth liens on the property allowed us to focus on the first mortgage’s million dollar judgment lien. We immediately applied for a loan modification, and used our strong position on the appeal to force the bank to come to the negotiation table. Knowing that there was a good likelihood that we would prevail on appeal, we made it clear to the bank that if they were to offer a generous loan modification for our client, we would drop the appeal. After several months of negotiations, we were able to not only get our client a loan modification with very favorable terms, but we also got the bank to completely eliminate $584,117.61 from his mortgage balance.

A husband and wife, Bob and Lucie T. (real names withheld for privacy), came to Loan Lawyers for a foreclosure trial that was schedule for their home. Their home was worth several million dollars and the clients had about $1,000,000 personally invested in the home. The foreclosure case had been pending for approximately 5 years at that point. The clients were represented by another law firm, but did not feel confident that they had the requisite knowledge or experience to defeat the bank at trial. Their entire life savings was riding on this case and they wanted to make sure they found the best firm they could to fight for their rights.

Unsatisfied with the defenses filed by the previous attorney, we amended the affirmative defenses, got copies of what we needed to defend the case, and geared up to take the case to trial. Having prepared thousands of foreclosure cases for trial, we put our experience to work and after countless hours of digging through thousands of pages of documents from the securitized trust that claimed to own the mortgage, we uncovered several problems that would prevent them from winning the foreclosure case.

The big trial day came in Broward County, and the securitized trust brought one of their best witnesses to trial and sought a $4.5 million foreclosure judgment. As you can imagine from the size of the loan, the trust brought out the big guns and did everything they could to win the case. Despite their valiant efforts to wine the case, they simply were not good enough to defeat Loan Lawyers. In order to foreclose on a property, the plaintiff must establish that it had standing (i.e. the legal ability) to foreclose on the property on the day the initial foreclosure complaint was filed with the court. Loan Lawyers out maneuvered them and we were able to prevent the trust from proving their case in court.

Ultimately the judge found that the securitized trust failed to establish that it had standing to foreclose on this house. The court entered judgment in favor of Loan Lawyers’ clients, thus denying the $4.5 million foreclosure for the trust, and resulting in Bob and Lucie getting to keep their home. Furthermore, as a result of winning our clients case at trial, Loan Lawyers is currently in the process of recovering all of their attorney fees from the trust, resulting in not only a tremendous success for our clients, but one that in the end didn’t cost them a penny to hire us to fight for their rights.

Gina Carvalho and Julio Rameriz-Sanchez are previous clients who have both an investment property and their primary residence. The bank filed a foreclosure action back in 2009. However, we were able to have a final judgment entered for the clients in 2014. The bank refiled their foreclosure action and picked a default date in 2011, so as to stay within the 5 year statute of limitations.

The case proceeded through litigation without any major issues and was set for trial. After reviewing the pleadings, and plaintiff’s trial exhibits, we discovered a major issue with the banks allegations. With the recent Bartram opinion, several statements from the Court hold that a refiled complaint must allege a default date subsequent to the dismissal of the prior action. In this case, because the default date was during the pendency of the prior action, the loan was fully accelerated until the prior case was dismissed, which means the borrower couldn’t have failed to make the 2011 payment when no payment was due. The bank would have picked a default date that our client couldn’t have defaulted on by operation of law, meaning the bank failed to state a cause of action.

At trial, we raised some other minor issues, such as proof of mailing the demand letter and the witness’s knowledge of the policies and procedures of his client and their third party vendors. We were able to win the trial and secure a final judgment for the clients with the Bartram argument.

Another great job in the hands of our foreclosure attorneys!

We Got a Client’s Principle Reduced From $171,609.65 to $73,500.00. That Equates to an Almost 68% Reduction in Principle!

This is the difference having an experienced litigation and foreclosure attorney may make for you.

One of the biggest problems with loan modification is that if your home is significantly upside down, meaning you owe more than its worth, if the bank does not agree to reduce principle, but simply lowers your interest rate, you are essentially renting your home from the bank. It could be 20 years before your home is worth what you owe, especially in South Florida. Agreeing to anything the bank puts in front of you may cost you tens of thousands, or even hundreds of thousand of dollars. If you lost your home and bought a new one in 5 years, by the time 20 years comes around, you will have a home with substantial equity in 20 years and will be a good position for retirement. If you agree to just a interest rate reduction, but you owe 2 or 3 times what the home is worth, maybe you will break even in 20 years, but most likely won’t have any equity. You will not be as good of a position for retirement. Further, you won’t be able to sell your home until you are at least even, so you are stuck with this house for 20 years.

This is where an experienced foreclosure attorney comes in. At Loan Lawyers, we can discuss all of your options with you in our offices located in Broward (Fort Lauderdale / Plantation), Miami-Dade (North Miami Beach / Coral Gables), or Palm Beach (Delray Beach). You have nothing to lose, but a lot to gain, so call us today for your free consultation so that we can discuss how to save your home.

A Client came to our firm in July 2013 for help due to not being able to make their mortgage payments. The client previously secured a loan modification before the start of the foreclosure; however they eventually defaulted and could no longer make the payments, and therefore were not a candidate for another modification. The Client’s only hope at saving their house was for us to take the case to trial. Once the trial started and the bank put on their case and provided their trial exhibits, we discussed the case with the client since it wasn’t looking very good. Because of the prior modification, it appeared that the standing defenses we would want to raise wouldn’t go very far. Having a dismissal granted would turn on whether the Court found that the modification created standing for the Plaintiff.

A client came to our office and was beleaguered by 16 years of litigation surrounding her foreclosure matter. She came to our office with a hearing scheduled to reset her sale and to have the final judgment amended. Thank G-D, after reviewing her file it struck me as odd that there would be an amendment to a judgment which was near 16 years old. When researching further it appeared that the Plaintiff and their counsel had in fact perpetrated a fraud upon the Court for years and the Court had no idea. Our client had in fact cured all of the prior defaults and rather than dismiss the case, the bank simply thought it was good practice to rest on a prior judgment and just amend it from time to time.

Nevertheless, we filed a motion to dismiss and our motion was granted over vehement objection by the Bank and their attorneys. There were no more judgments, no more sales, and no more games. The 16 year battle was now over. Moreover, we now have motions for sanctions against the Bank and their counsel pending. Stay tuned!