Fort Lauderdale Foreclosure Defense, Bankruptcy, and Loan Modification Lawyers

We were hired by our client to defend a lawsuit filed against them to collect the deficiency of an auto loan. Our client was alleged to have purchased a vehicle and not made all payments on the vehicle, resulting in the vehicle being repossessed. Allegedly, the vehicle was then sold at auction, leaving a balance due on the vehicle. Our client was not sued by the lender, but by a company who claimed to have purchased the vehicle from the lender. We vigorously defended our client’s rights in this matter. The amount sought in the case was substantial. Creditors such as the plaintiff in this case generally buy debts for small sums. The plaintiff in the case realized that the costs involved in fully proving their case were so cost prohibitive as to make pursuing our client a loss for them and ultimately agreed to stop pursuing our client.

Client was facing foreclosure from his HOA for failure to pay past due assessments. We defended this foreclosure, filed the appropriate Answer and Affirmative defenses, and filed a Motion for Mediation. Our client did in fact fail to pay his homeowners assessments, but it was obvious the HOA did not want to litigate against our firm and agreed to attend the mediation. At the mediation, we successfully negotiated a huge reduction in what the HOA claimed was due and owing. Our client was very happy and continues to live in his house due to our hard work. If you or someone you know is facing foreclosure by a HOA, please contact us immediately. There is a lot of work that has to occur right off the bat in order to properly posture the case to either dismiss the HOA’s foreclosure case or enter into a very favorable settlement with the HOA in lieu of a foreclosure judgment.

Client retained us to assist her and her family in a foreclosure lawsuit in August 2012 when she was initially served. During the summer of 2014, final judgment was entered against her with a sale date. After cancelling her sale date multiple times, which we were able to do for almost a year, client received a trial modification and was extremely grateful for everything we did for her and her family.

We represented a borrower in a foreclosure action which resulted in the bank voluntarily dismissing the foreclosure action in 2014. Notwithstanding, after the conclusion of the foreclosure, the bank’s loan servicer hired a third-party to go to the borrower’s house repeatedly to demand information about the borrower. The borrower claimed that many statements made by the third-party were false and threatening. We sued the loan servicer under the FDCPA and FCCPA for harassment and for contacting a represented borrower. After a hard-fought battle, the loan servicer agreed to resolve the case for a monetary settlement. The loan servicer has since seized making contact with the borrower on her property. Our client can now have peace and quiet, and the nice check she received from the settlement was an added bonus!

A client came to our office with a letter from Chase specifying that there was an adjustment due on his loan in the amount of $184.78. The letter was deficient as to the reasons for the adjustment and whether it was a debit or a credit, a one-time adjustment or a monthly adjustment. The client was fearful that he may end up owing Chase more money than he originally believed was owed. We sent a request for information to Chase to inquire about the adjustment. Chase failed to provide a response indicating why there was an adjustment and how it came to be. We sued Chase under the Real Estate Settlement Procedures Act, 12 U.S.C. § 2605. As a result, we were able to determine what the adjustment was for and ensure that the client was not being overcharged for any purported amounts due. In addition the client walked away with a nice settlement check, and the best part of it all was that we handled the case on a contingency fee basis, so it didn’t cost the client anything. Another win-win situation!