Another happy Miami-Dade foreclosure client. Our foreclosure defense lawyers beat Specialized Loan Servicing (“SLS”) at last week’s Miami-Dade foreclosure trial. The plaintiff was Wells Fargo as trustee of some securitized trust, but SLS was the servicer. I actually thought that this case would be an easy win, but we had to work really hard to achieve this result. The foreclosure trial went on for many hours. We were successful in keeping out much of the bank’s evidence, but they got in much of what they needed to win the case.
The bank still had to admit the loan payment history and the default letter. They were both prepared by the prior loan servicer, Bank of America. The bank’s witness worked for SLS, not Bank of America. He was very honest and admitted he did not know anything about Bank of America’s business practices. Based upon this, our foreclosure lawyers argued to that the loan payment history is hearsay and inadmissible. The bank argued that it was admissible under the “business records exception”. I pointed out to the court that these were the records of Bank of America, not SLS and without testimony and Bank of America’s record keeping practices the loan history is inadmissible. I argued case that support my position such as Glarum and Yang. The court disagreed with my position (much to my surprise) and allowed in the loan payment history. Things looked pretty bleak at that point because the last thing the bank needed to win was to get the default letter into evidence and if the court allowed in the loan payment history prepared by Bank of America, it seemed likely she would admit the default letter. However, like any good trial lawyer, you never give up.
After my voir dire of the witness on the default letter, much to my delight, the court kept it out of evidence. This was the last few minutes of the trial and was a huge victory. Without this letter in evidence, the bank could not prove that it met the condition precedent. The bank did not take a voluntary dismissal at that point and they rested their case. I asked the court to involuntarily dismiss the case because they failed to prove that they properly accelerated the loan. The court agreed and involuntarily dismissed the case.
By the way, when you read other attorneys’ website who claim to be foreclosure fighters, how many of them actually post the court’s findings so you can see for yourself?
The best part of this case is that my client is an 88 year old woman. How in the world could I ever break the news to this elderly woman she has to leave her house because the bank won? Thank G-d I did not have to tell her that I got to share the great news that we won! There’s no questions about it, I love representing homeowners. Of our 5 trials so far this year, we have won/dismissed 4 of them. I head to Flagler County for trial tomorrow. This is going to be a busy year for trials!
This was actually my second trial last week with SLS. On the first trial, the bank knew they had evidentiary problems, so rather than risk a loss, they took a voluntary dismissal.
If you have a trial set on your foreclosure case, you need to find a great trial lawyer NOW. Do not go to trial on your own, you will almost certainly lose. If you have an foreclosure defense attorney, make sure that they are a trial attorney who knows their way around a courtroom. Our foreclosure lawyers are available for a free consultation in Broward, Miami-Dade and Palm Beach. Call us NOW at (844) 344-4813.