Success Stories

We Are a Team of Litigators and Trial Lawyers With a Proven Track Record of Winning.

Read some of our firms success stories to learn how we’ve helped over 5,000 families find solutions to their struggles with debt. We’ve saved over 2,000 homes in South Florida from foreclosure and eliminated over $100 million in mortgage principal and consumer debt, and have recovered millions of dollars on behalf of our clients. Helping our clients move forward with financial stability is our priority, so we fight to win. For experienced and skilled help with bankruptcy matters, get in touch with Loan Lawyers today!

Pro Se Bankruptcy Filer Rescued

Chapter 13 bankruptcy is complex and complicated. Periodically, debtors file for bankruptcy relief pro se, which means they file without attorney representation. The vast majority of those cases get dismissed because the debtor did not file the correct paperwork, submit the appropriate documentation, or devise a confirmable repayment plan. Client started off as a pro se filer, attended two meetings of creditors, which were not conducted by the trustee. Client also proposed a plan that would have done nothing to accomplish her goal (which is to try to save her home), and everyone, including the debtor, lender, and trustee were becoming frustrated in the process. Client retained us and we quickly filed a confirmable amended plan and applied for a mortgage modification. Client is now on track.

For more information about bankruptcy relief, please visit our website at: https://www.fight13.com/bankruptcy-attorney

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. Call us at 1-888-Fight13 (344-4813) or online at: https://www.fight13.com/Contact-Us/

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

Get Rid Of Credit Card Judgment Lien Impairing Homestead

A client filed a chapter 7 bankruptcy case and after three short months, was able to discharge $55,000 worth of debt and get rid of a final judgment lien in a credit card debt case in the amount of $11,000, which was impairing client’s homestead exemption and clouding title. The client was able to clear title by way of a bankruptcy court order, sell her home to buy a comfortable apartment, and get a fresh start.

For more information about bankruptcy relief, please visit our website at https://www.fight13.com/bankruptcy-attorney.

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. Call us at 1-888-Fight13 (344-4813) or online at https://www.fight13.com/Contact-Us/.

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

Client Sold Home During Bankruptcy

A client filed chapter 13 bankruptcy and was confirmed. In the middle of the bankruptcy case, the client decided to sell his home and obtained court approval to do so. Client received over $50,000 from the sale of his home, after closing costs and mortgage payoffs, and completed his bankruptcy repayment plan making the regular monthly payments that he proposed, thereby freeing himself of debt, ready to enjoy his retirement without the stress and burden of being weighed down by debt.

For more information about bankruptcy relief, please visit our website at https://www.fight13.com/bankruptcy-attorney.

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. Call us at 1-888-Fight13 (344-4813) or online at https://www.fight13.com/Contact-Us/.

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

Client Offered Modification After Previous Denials

The clients defaulted on their mortgage over five years ago. They filed bankruptcy previously, canceled four foreclosure sales, applied for mortgage modifications twice previously and the bank denied the modification request both times. Clients continued making good faith mortgage payments to the lender through the chapter 13 case to lower the balance owed on the mortgage. The client subsequently filed another chapter 13 and reapplied for a mortgage modification. This time around, clients were offered a modification and were able to save their family home.

For more information about bankruptcy relief, please visit our website at https://www.fight13.com/bankruptcy-attorney

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. Call us at 1-888-Fight13 (344-4813) or online at https://www.fight13.com/Contact-Us/.

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

Modification of Mortgage for Home Ex-husband Still Liable on

Client came to our office to apply for a modification and file bankruptcy to save her home. She was divorced, her ex-husband quit claimed the property to her as she lived in the home and was awarded the property in the divorce; however, the mortgage and note were still in ex-husband’s name. Since ex-husband was still liable on the loan, the lender previously denied the modification and made it very difficult for the client to get approved. After extensive negotiations at the mediation conference and through electronic communications, submission of documents to satisfy lender’s request, the client was ultimately offered a modification with better terms than she originally had.

Click here for more information on bankruptcy relief.

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. Call us at 1-888-Fight13 (344-4813)

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

Undocumented Client Saved Home With Chapter 13 Bankruptcy

An undocumented immigrant came to our office seeking help to save his home. His mortgage had been paid off in full but he fell behind on the homeowners’ association payments because he was ill and hospitalized, which required him to stop working for a period of time. U.S. Citizenship is not required and legal status does not determine eligibility to file bankruptcy. It would affect the ability to use the Florida (or state) exemptions, but the Federal bankruptcy exemptions may be used. This would have to be examined closely to ensure the client’s assets are protected fully. In this particular case, the client filed chapter 13 bankruptcy, allowing him to enter into a reorganization plan of 5 years to pay his debts and upon completion, obtained his discharge, was current on the homeowners’ association payments and was able to save his home.

Click here for more information on bankruptcy relief.

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. Call us at 1-888-Fight13 (344-4813)

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

Rare Win in the Third District Court of Appeal

This client retained Loan Lawyers in 2013 to defend against a mortgage foreclosure action in Miami-Dade County. Although the trial court entered a final judgment of foreclosure in favor of plaintiff Bank of America, we appealed the foreclosure judgment and won on appeal, a rarity in Florida’s Third District Court of Appeal.

Long before the client came to Loan Lawyers or was even in foreclosure, the client had accepted a loan modification from the lender and paid monthly payments on this loan modification for 18 months. Not once did the client receive any indication from the lender that there was any problem with their payments or the loan modification. Their payments under the loan modification totaled nearly $30,000.

Eighteen months after the client accepted the loan modification and had been making payments on the loan modification, Bank of America then sent the client a default letter alleging that the payment for over one year prior was still due and, further, instructing the client to pay over $40,000 within 30 days to cure the alleged default. The letter did not acknowledge the loan modification agreement.

When Bank of America filed its complaint about foreclosure, it did not reference the loan modification agreement or otherwise allege that the loan had been modified.

The primary issue at trial was whether the parties had entered into a loan modification agreement. The trial court found that no loan modification agreement existed, but it did credit borrowers the nearly $30,000 they had paid over 18 months under what they believed to be a loan modification agreement.

The trial court entered its final judgment of foreclosure. With Loan Lawyers, the client appealed this judgment to the Third District Court of Appeal, which serves Miami-Dade County and Monroe County.

In August 2018, the Third District Court of Appeal issued its opinion, Pijuan v. Bank of America, reversing the final judgment of foreclosure and remanding the case to the trial court for the entry of an order of involuntary dismissal because Bank of America failed to plead and prove the client’s breach of the loan modification agreement.

This is a big win for borrowers all over Florida, as the Third District Court of Appeal adopted the reasoning of the Fifth District Court of Appeal in its 2015 decision, Kuehlman v. Bank of America, and that of the Second District Court of Appeal in its 2016 decision, Nowlin v. Nationstar Mortg., LLC. The Third District Court of Appeal stated as follows: “We follow the persuasive precedent of our sister courts in holding that, when a loan modification has been reached, a lender can foreclose only by both pleading and proving a breach of the modification agreement.”

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.

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

Combination Reinstatement and Loan Modification

This client came to Loan Lawyers in 2017 to defend against a mortgage foreclosure action. The plaintiff ultimately dismissed its case after a Final Judgment of Foreclosure had been entered because the client was able to reinstate his loan and accept a loan modification offer from the plaintiff.

Loan Lawyers was able to negotiate a reinstatement and loan modification for this client based on what he could actually pay now towards reinstatement and what he could pay moving forward. The client had been in a default state for over five years at the time of the reinstatement and modification.

This case was not without its hiccups. With a sale date fast approaching, the client sent full reinstatement funds to the plaintiff, the plaintiff acknowledged its acceptance of the funds, then, a month later, returned all the funds to the client because the plaintiff claimed to have made an error in calculating the reinstatement figures.

Loan Lawyers then requested the corrected reinstatement quote, which turned out to be nearly three times the first reinstatement quote.

The client was able to offer an amount less than the full reinstatement quote, which the plaintiff then accepted and, further, offered a loan modification to the client. The client accepted the loan modification offer.

The plaintiff then filed a motion to vacate the final judgment, dismiss the case, cancel the pending foreclosure sale, and release the lis pendens on the grounds that the loan had been brought current. The court promptly granted the plaintiff’s motion and entered an order dismissing the case.

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. Call us at 1-888-Fight13 (344-4813).

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

Consumer Credit Card Victory

Our client was sued by what is commonly called a “debt buyer”, companies that claim to purchase past-due accounts and then attempt to collect upon them. Debt buyers often file lawsuits against alleged debtors if they do not voluntarily pay the amount sought. Our firm has fought and continues to fight many debt buyers with a great deal of success.

In a recent matter, our client was sued by a debt buyer for an alleged credit card debt. We filed a motion for summary judgment arguing that the debt buyer lacks standing and thus the matter should be dismissed. In the context of a debt buyer case challenging standing is essentially challenging that the debt buyer actually has the right to collect upon the debt. We attended a hearing recently on such a motion and prevailed and the Court agreed that the debt buyer failed to produce sufficient evidence that they actually owned the alleged debt. A summary judgment was entered in our favor and our client no longer needed to fear harassment by the debt collector or worry about the entry of a judgment against them.

However, alongside the summary judgment, we had also filed a counterclaim accusing the debt buyer of harassing our client. Shortly after the entry of the summary judgment, the debt buyer offered to pay a substantial sum to resolve the counterclaim.

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. Call us at 1-888-Fight13 (344-4813).

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