Temporary Stop for Foreclosure Lawsuits and Sales To Expire Soon

Many federally backed mortgage loans are currently under foreclosure moratoriums.  This means that many loan servicers are unable to file mortgage foreclosure actions against homeowners who have been unable to make their mortgage payments.  For many homeowners already in the foreclosure process, this also means that many homeowners have been spared having their homes sold at a public auction.  However, this is only temporary.  It is only a matter of time before foreclosure lawsuits and sales begin to flood the courts again.

If there is one thing we have learned after representing thousands of Florida homeowners,  it is that the sooner you get assistance from a competent law firm, the better chance you have of saving your home.  Not only that however, but you need to also choose a law firm with the tools and experience to actually save homes.  Many foreclosure defense lawyers who represent homeowners simply kick the can down the road and delay the process to try to keep you in your house temporarily.  At Loan Lawyers, we offer many services that may assist you in saving your house.

For starters, we are a team of trial lawyers.  We do not just kick the can down the road.  If we think we can win your case at trial, we are ready, willing, and able to take your mortgage foreclosure case to trial.  We also have a stellar mortgage modification department where we may be able to help you lower your interest rate and possibly the principal amount owed on your mortgage, resulting in an affordable mortgage payment.

Moreover, we also have an aggressive bankruptcy team where we may be able to save your home through repayment or the bankruptcy mortgage modification program that exists in some bankruptcy courts in Florida.

We have saved thousands of Florida homes from foreclosure and would greatly appreciate the opportunity to speak with you about your personal situation and help you craft a solution that suits your needs.  Kicking the can down the road without any other plan in place is not what you want to do if you find yourself behind on mortgage payments.

Call us right now for your free consultation so that you can get on the path of trying to save your home.  Our attorneys are standing by at 1-888-FIGHT-13, call now.

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What to Do If You’ve Been Sued for Foreclosure

There are several steps in the foreclosure process, and this complexity is part of the challenge for homeowners who end up in foreclosure proceedings. They’re just trying to figure out if they can keep their homes, and all of a sudden, they’re being sued and are up to their ears in legal documents.

This can easily become an overwhelming experience, especially if you’ve rarely or never had to deal with the legal system before.

If you’re facing a foreclosure lawsuit, your first call should be to the foreclosure defense, debt defense, and bankruptcy attorneys at Loan Lawyers. These kinds of cases are all that we do at our firm, giving us an advantage over other firms with a broader focus. We’ve helped residents from South Florida and all across the state slash their debts and keep their homes. We want to help you do the same.

For your free initial consultation, call us today or visit our contact page.

Summons Versus Complaint Versus Lis Pendens: What’s the Difference?

In Florida, most foreclosure proceedings are handled by the courts, and a judge must sign off on any foreclosure sale. Before your lender can foreclose on your home, they will have to file a lawsuit against you.

There are three primary components to any foreclosure lawsuit: the complaint, the summons, and the notice of lis pendens. Let’s break these three elements down:

• Complaint – The complaint is the portion of the lawsuit wherein your lender will outline the basics of their claim against you. This will include the terms of the mortgage, a description of the property to be foreclosed upon (such as your home), when you went into default, how much of the loan is still due, the defendants in the lawsuit (such as you and your family), etc. Your lender will also outline the relief they’re seeking from the court, namely a judgment that allows them to foreclose on your home.
• Summons – When your lender files a foreclosure suit, a summons will go out to all of the defendants listed in the complaint. Typical defendants in a foreclosure suit include the homeowners, any other occupants of the home, any lienholders, etc. The summons will also state that the defendant will have to respond if they wish to contest the lawsuit and will outline how much time they have to respond. In Florida, the typical deadline to respond to a foreclosure suit is 20 days.
• Notice of lis pendens – Lis pendens is a Latin phrase for “suit pending.” When a lender files a foreclosure suit, the notice of lis pendens goes into the property records in whichever county the suit is filed. This notice is intended to let the public know that there’s an impending foreclosure suit involving the property mentioned in the notice. The notice of lis pendens is fairly basic and usually includes a description of the property and a statement that foreclosure proceedings have been initiated.

How to Respond to a Foreclosure Lawsuit: Your Options

At the most basic level, you have two ways you can respond to a foreclosure lawsuit:

• The first option is to not give any answer to the lawsuit. If you do this, you’re essentially giving up any right to contest the foreclosure, and your lender will likely obtain a default judgment against you. Once that happens, they can move to sell your home and quickly run you out of it. If you do not wish to fight the foreclosure, though, this can be a viable option.
• The other way you can respond to a foreclosure suit is to answer the charges listed in the complaint. This is how you contest the suit. Each allegation in the complaint will be an individually numbered paragraph, and if you fight the lawsuit, it’s critical to respond to each allegation in the order that they’re listed.

For each charge, state that you admit the allegation, deny it, or that there’s not enough evidence to admit or deny the allegation. If you admit an allegation, the courts will take that allegation as fact, but your lender must prove any allegation that you deny.

Your response to a foreclosure suit also gives you a chance to offer any defenses you may have to prevent the suit from going forward. For example, you might try to argue that the lender does not own your mortgage and therefore has no standing to bring the lawsuit. Or you might try to show how the lender has not followed proper foreclosure procedure, which can sometimes lead to a suit being dismissed.

When to Call a Foreclosure Defense Lawyer

While you are not required to hire an attorney if you’re sued for foreclosure, it’s always a good idea to hire one. A foreclosure defense lawyer will know all the ins and outs of Florida’s foreclosure statutes, so they can help you mount a stronger defense.

They can also help you gather the evidence you need to support your defense and make sure your reply is filed in a timely manner. If you take too long to file your reply, your lender will obtain a default judgment and will then be able to sell your home out from under you.

Get Help from a Foreclosure Defense Lawyer Now

There’s no overstating the importance of being able to keep your home. Your family deserves safety, security, and shelter, and a foreclosure lawsuit can rip that all away from you. While it’s tempting to believe that if you don’t answer a foreclosure suit, it will just go away, the reality is that doing so will only place your family in greater jeopardy.

Instead, the foreclosure defense lawyers at Loan Lawyers are ready to work tirelessly to keep your family in your home and reduce your debts. To get started on the road to recovery, call us at today or visit our contact page to schedule your free initial consultation.

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The Role of the Receiver in Commercial Foreclosures

The COVID-19 pandemic has been extremely difficult. Even when people are not getting sick or losing a loved one, the sad truth is that many Floridians have been worried about their business all year. Forced lockdowns and a general fear among the public related to doing things as simple as shopping or eating inside a restaurant have hit business owners extremely hard. While homeowners got some relief during the height of the pandemic, commercial business owners did not get much. As such, many of them will likely face foreclosure in the coming months.

Commercial foreclosures are similar to residential foreclosures, but they do have some differences. One of those is that a commercial foreclosure involves a receiver. It is important that business owners understand what a receiver is and the role they will play during the foreclosure process.

The Uniform Commercial Real Estate Receivership Act

Recently, Florida has adopted the Uniform Commercial Real Estate Receivership Act (UCRERA). The vast majority of commercial real estate loan documents allow for the appointment of a receiver in the event the borrower defaults on the loan. However, in Florida, the appointment of a receiver did not happen in every case prior to the adoption of the UCRERA. Instead, it was considered an extraordinary remedy that should only be used with caution, as it is an infringement of the owner’s fundamental right to possess their own property.

The role of the receiver in a commercial foreclosure is to protect the value of the property. The trial court has the discretion to appoint a receiver in a commercial foreclosure case. However, if it is not found that the property is being wasted or otherwise at risk of serious loss, it is an abuse of that discretion for the trial court to appoint one. The courts have largely followed this standard without giving any regard to the language contained within mortgage or loan agreements that provides the absolute right to appoint a receiver.

Florida did not adopt the UCRERA until July of 2020. That made the state the ninth state to enact the legislation along with Utah, Oregon, Nevada, Tennessee, Michigan, Maryland, Arizona, and North Carolina. The fact that Florida has now adopted the Act is important because the appointment of a receiver is helpful to the lender and hurtful to commercial property owners. It was the UCRERA Task Force that decided to implement this piece of law in Florida. Their reason for doing so was to provide a clear standard for appointing a receiver. Up until the law was adopted, according to the UCRERA Task Force, the standards differed from one county to the next on when a receivership was an appropriate remedy.

Potential Litigation Surrounding the UCRERA

The standard for appointing a receiver according to the UCRERA is the potential for serious risk of loss. While this is just one standard, Florida law allows for many different standards when appointing a receiver. This law states that when a property has moved into foreclosure or a lender is trying to enforce a mortgage, the court must consider a number of facts and circumstances, along with certain relevant facts, to determine if they should appoint a receiver for a property.

Those facts and circumstances include:

• Appointing a receiver is necessary to protect the property from loss, waste, or substantial reduction in value,
• The borrower agreed to appoint a receiver after they have defaulted,
• The owner agreed to appoint a receiver after the property had fallen into default,
•  Assets and other collateral held by the lender do not carry enough value to sufficiently satisfy the secured obligation,
• The owner failed to provide the lender with mortgage proceeds or rents the lender was entitled to, or
• The holder of a lien appointed a receiver for the property.

The UCRERA significantly modified the previous standards for appointing a receiver in Florida, particularly Sections 2(b) and (c). As a result, it is expected that Florida will see significant litigation in the coming months. That litigation will likely focus on whether meeting just one factor of Section 2 is enough for the courts to appoint a receiver, or if the courts will have to meet more than one standard.

The language of the law is not always clear. The Florida Statutes state that the court should consider the above facts and circumstances, along with any other relevant information. When this type of language is used, it is generally to allow judges to make their own analysis in any case. The appellate courts, on the other hand, are more likely to focus on the exact standards outlined in the statute. As such, it is crucial that loans and mortgage agreements include language that will trigger section 2(b) and 2(c) of the statute.

It is important that all commercial owners understand the adoption of the UCRERA and what it means to them. Unfortunately, commercial foreclosures are likely to increase in the coming months and the current language of the law allows lenders to become particularly aggressive until an appellate court says otherwise. It is not uncommon in commercial mortgage foreclosures for the receivership appointment to draw an end to a case, which means the business owner will likely lose the property.

A commercial foreclosure defense lawyer will attempt to expand the requirements a court must consider. A lawyer will also remind the trial judge that the language allows the judge to use their own discretion when deciding whether to appoint a receiver or not.

Our Florida Commercial Foreclosure Defense Lawyers can Help with Your Case

No one ever wants to lose their business, or lose the place their business calls home. Sadly, it is expected to happen more often in the coming months. If you are a business owner facing foreclosure, do not go it alone. At Loan Lawyers, our Fort Lauderdale commercial foreclosure defense attorneys can assist with your case. We will explain the law and how it applies to your case, and use the defenses available to build a solid defense and give you the best chance of keeping the property. Call us today at (954) 807-1361 or contact us online to schedule a free consultation with one of our skilled attorneys.

Loan Lawyers has helped over 5,000 South Florida homeowners and consumers with their debt problems, we have saved over 2,000 homes from foreclosure, eliminated more than $100,000,000 in mortgage principal and consumer debt, and have recovered over $10,000,000 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.

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Do Not Avoid Bankruptcy Due to Stigma

Stigmas are very difficult to overcome, and many people believe that bankruptcy has a certain stigma attached to it. It is this perceived stigma that stops many people from taking advantage of bankruptcy and the protection it provides. Bankruptcy, however, is a right provided by the U.S. Constitution. Hundreds of thousands of people realize the benefits bankruptcy brings every year. While there are some stigmas that go along with bankruptcy, they may not be as bad as you think, and a stigma is certainly no reason to put off filing bankruptcy and starting over with a clean slate.

The Social Stigma

The social stigma of filing bankruptcy is often the most concerning for people. Money is an uncomfortable topic for many, and it is very difficult to admit to your friends and loved ones that you have fallen into financial hardship. If it is this social stigma that has kept you from filing, you should know there is little chance people will find out unless you tell them.

Bankruptcy cases go through the court and so, they are a matter of public record. However, very few people go searching through these records just to determine if someone has filed bankruptcy. While your creditors will know that you have filed bankruptcy, no one else will.

If you do feel comfortable enough telling someone you have filed bankruptcy, you may be surprised to learn just how understanding they are and how common it is. Some studies have shown that approximately one in 10 people will file bankruptcy at some point in their life. Someone you know may have already filed bankruptcy and so knows how difficult it is, but that it can also provide a fresh start.

The COVID-19 pandemic has placed millions of people into financial hardship and so, bankruptcies will only become more common in the coming months and years. If you are thinking about filing for bankruptcy, it is important to know you are not alone.

The Emotional Stigma

Although the U.S. Constitution provides the right for people to file bankruptcy, many still feel guilty when they do. Most people want to pay their bills and hate being in debt. They may view bankruptcy as a last resort, and confirmation of the fact that they are financially irresponsible. This is a very difficult stigma for people to wrestle with as they consider bankruptcy.

Guilt is never a pleasant emotion to deal with. That being said, circumstances are not always in your control and while bankruptcy should be used as a last resort, people often end up filing through no fault of their own.

No one could have foretold the pandemic that is currently sweeping the globe. It is placing even the most financially responsible people under a great deal of strain. What’s more, many people file as a result of medical debt or other unforeseen circumstances. Do not feel guilty about filing, and remind yourself you will get back on your feet in the near future.

The Financial Stigma

The financial stigma of bankruptcy is the only one that will have a real impact on you. Once you have filed for bankruptcy, your credit score will drop. How many points your score drops by will depend on what your credit score was prior to filing bankruptcy. The credit scores of people that file for bankruptcy usually tend to hover around the 550 level, regardless of their previous score. However, being prudent and responsible will help you increase your score over time.

The drop in your credit score may make things financially difficult for you at first. For example, you may have difficulty obtaining a loan or a credit card. However, this is not always the case either. It is not uncommon for creditors to offer credit cards to people who have just filed for bankruptcy. This is because they know the borrower cannot file bankruptcy for at least another eight years, so there is little chance they will end up writing off the debt. Also, because of the hit to the borrower’s credit score, a creditor can offer those credit cards at much higher interest rates.

It is true that filing bankruptcy will come with a bit of a financial blow, so this stigma is very real. However, like so many other stigmas, this one is likely not as bad as you are thinking, either.

Considering the Benefits

While there are stigmas associated with bankruptcy, whether real or perceived, it is better to focus on the benefits if you are having financial difficulties. The bankruptcy system was put into place by the federal government to ensure the financial system did not collapse. It provides a way out for borrowers so they do not have debt hanging over them for the rest of their lives.

Using the system as it was intended holds many benefits. Mainly, it allows you to discharge your debt and start again financially. Immediately after you file bankruptcy, an automatic stay is placed on all forms of debt collection and creditors and debt collectors can no longer contact you or continue pursuing the debt. That means you realize the benefits of filing for bankruptcy immediately.

Bankruptcy is also a relatively quick process. A Chapter 7 bankruptcy will take approximately four to six months. Chapter 13 bankruptcies will typically take three to five years before the case is officially over, however, much of that time is spent repaying debt.

Our Florida Bankruptcy Lawyers Can Help with Your Case

The pandemic has pushed millions of people in Florida into financial hardship. If you have been affected and are thinking about filing, call our Fort Lauderdale bankruptcy lawyers today. At Loan Lawyers, we know the benefits of filing and will help you through the process so you realize all of them. Call us today at (954) 807-1361 or contact us online to schedule a free consultation with one of our skilled attorneys and to learn more.

Loan Lawyers has helped over 5,000 South Florida homeowners and consumers with their debt problems, we have saved over 2,000 homes from foreclosure, eliminated more than $100,000,000 in mortgage principal and consumer debt, and have recovered over $10,000,000 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.

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8 Reasons to Hire a Foreclosure Defense Lawyer

After receiving a foreclosure notice, you may think there is nothing to do except wait until the bank forces you out of the home. You may not even think about hiring a Florida foreclosure defense lawyer or realize how much a lawyer could help you. Truthfully, there are many ways a foreclosure defense lawyer may help with your case and the sooner you speak to one, the better chances you will have of a successful outcome. While there are many reasons to hire a foreclosure lawyer to help with your case, the eight main reasons are listed below.

1. An Understanding of the Law

   Without a lawyer, your lender may have violated the law or infringed on your rights and you may not even know it. There are many different laws outlining what actions are and are not legal for a lender to take. The Florida Fair Lending Act and Service Members Civil Relief Act are just two of these. A foreclosure defense lawyer will understand these laws, as well as when the lender has broken them, and can use this as a defense to help you keep your home.

2. An Understanding of the Process

   When facing foreclosure, there are many forms you will have to obtain, fill out, and submit within a certain deadline. You also have only 20 days from the date you receive the foreclosure notice to respond to the complaint. Many homeowners are not aware of the process or what it entails and that lack of knowledge can significantly hurt your case. A foreclosure defense lawyer will know the process because they deal with it every day and can advise on what to expect.

3. They Will Review Your Case for Free

   If you are facing foreclosure, it is likely due to the fact that you fell into hard times financially. You may not think that you can afford to even speak to a lawyer, never mind have one help you through your entire case. However, most foreclosure defense lawyers will review your case free of charge and offer legal advice to help with your case. The right attorney for your case will also always be straightforward and upfront about the costs and fees you will incur throughout your case.

4. Avoid the Rocket Docket

   Florida has been one of the hardest-hit states for foreclosures since the housing crisis in 2008. Florida is a judicial foreclosure state, meaning that lenders have to take homeowners to court so a judge can approve the foreclosure. Combined, these facts have meant that the courts are always backlogged with foreclosure cases. As a result, certain courts attempt what is known as a rocket docket.

   A rocket docket is a way to accelerate the foreclosure process for homeowners that do not have legal representation. This process can result in losing your home in as little as 60 to 90 days. However, if you work with a foreclosure defense lawyer, you can delay that time up to 12 months, or even remain in your home permanently.

5. Help You Seek a Loan Modification

   Just because a lender has started the foreclosure process does not mean you are out of options. When you start early, you may be able to work with your lender and come to an agreement that will allow you to stay in your home. One of these is a loan modification. Through a loan modification, you can change many different terms of your loan including the interest rate, the length of the loan, and even the principal of the loan. These modifications can make it easier to pay your mortgage and stay in your home.

   Loan modifications are not easy to obtain, and lenders must agree to them. A foreclosure defense lawyer will negotiate with the lender and draft a hardship lender to convince the lender to agree to a loan modification.

6. Avoid Dual Tracking

   If you are successful and your lender agrees to a loan modification, the lender has an obligation to stop the foreclosure process. Unfortunately, too many lenders do not abide by this and they continue on with the foreclosure even as they accept the payments made for the loan modification. This is known as dual tracking and it is against the law. A foreclosure defense lawyer will identify when it is happening, put a stop to it, and ensure the lender is upholding your rights.

7. Help with the Bankruptcy Process

   There are times when a homeowner’s only defense to foreclosure is filing for bankruptcy. While a Chapter 7 bankruptcy will likely result in you losing your home anyway, a Chapter 13 bankruptcy can help you restructure your mortgage so it is more affordable for you to pay. This is a very good alternative for some homeowners, but the bankruptcy process is not easy. One small mistake could affect your chances of successfully filing, but a foreclosure defense lawyer will ensure those mistakes do not happen. A lawyer will advise on which type of bankruptcy is right for you, and help you navigate the process to give you the best chance of success.

8. Prepare an Exit Strategy

   You may think that if the bank is successful in foreclosing on your home, the only thing there is for you to do is to vacate it. However, a proper foreclosure exit strategy involves much more than that. A proper exit strategy involves defending you against a deficiency judgment for the balance remaining on the mortgage, which could lead to wage garnishment or other hurtful actions taken against you.

Call Our Florida Foreclosure Defense Lawyers Today

Facing foreclosure is one of the most challenging experiences a homeowner will ever go through. If you are behind on mortgage payments, or your lender has already started the foreclosure process, you do not have to go through it alone. At Loan Lawyers, our Fort Lauderdale foreclosure defense attorneys are here to help. We know how to defend against these cases and will give you the best chance of staying in your home. Call us today at (954) 807-1361 or contact us online to schedule a free consultation.

Loan Lawyers has helped over 5,000 South Florida homeowners and consumers with their debt problems, we have saved over 2,000 homes from foreclosure, eliminated more than $100,000,000 in mortgage principal and consumer debt, and have recovered over $10,000,000 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.

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Debt Buyer vs. Debt Collector: What is the Difference?

Lenders use debt collectors and debt buyers to both relieve themselves of bad debts and so that they can write off debt, which is a liability for them. Many borrowers do not realize there are many differences between debt buyers and debt collectors. Debt buyers purchase old debts from creditors and other companies for a small percentage of what the original lender is owed. Debt collection, on the other hand, is the act of contacting the borrower and making arrangements for them to repay the debt.

If you have borrowed money from a creditor, you will typically only work with that company if you continue to make your payments on time. When the loan goes into default, that relationship between you and the creditor is in jeopardy. At some point, the original creditor will deem it unworthy to continue pursuing the debt and will sell it to someone else. This is where debt collectors and debt buyers come in, and it is important to understand the difference.

The Roles of Debt Buyers vs. Debt Collectors

Most individuals are familiar with debt collectors. They are the individuals who call, sometimes incessantly, trying to collect a debt on behalf of a creditor or other company. On the other hand, debt buyers represent businesses that buy debts from other companies and then attempt to collect on those debts. Debt buyers are sometimes also collection agencies that collect on debts they have bought from another company, or they may give or sell those debts to another debt collection company.

After a creditor has sold the debt to a debt buyer, there is little you can do. From that point on, you will have to work with the debt collector and will no longer be able to work with the creditor or original lender.

Debt Collectors Do Not Pay the Whole Amount

Companies that buy debts from other companies do not pay very much for them. Usually, debt buyers purchase a debt for only pennies on the dollar. For example, they may purchase a $1,000 debt and pay only $50 for it. When borrowers pay the debt in full, then, the debt buyer has made $950 from the debt. Debt buyers also do not only purchase one or two debts from creditors. They purchase hundreds of them, providing them with even more opportunities to make a profit. Even if only a small percentage of borrowers repay their debts, the debt purchaser can still turn a profit because they have spent so little when buying the debt.

The Effect on a Borrower’s Credit Score

After debt buyers purchase debt from creditors, they can report the debt to the credit bureaus. The main three bureaus include TransUnion, Equifax, and Experian. After the debt buyer has reported the debt, it will remain on the borrower’s credit report for the entire credit reporting period and the borrower’s credit score will be negatively affected.

Making payments to a debt buyer does not remove the account from the borrower’s credit report. However, every payment the borrower makes will be added to the report, which can improve the credit score over time, as long as the borrower is timely with other payments they owe.

Due to the fact that debt buyers have purchased the debt for such a small amount, it is sometimes easier to settle a debt for less than the balance on the account. Borrowers can pay only a fraction of the debt and, because debt buyers are still likely to make a profit, they are much more agreeable to settle for less. It is for this reason that when debt buyers contact a borrower about a debt, it is sometimes very worthwhile to settle for paying a smaller amount than the full balance.

The Statute of Limitations on Debt

It is crucial for all borrowers to understand the statute of limitations and what it means for their debt. The statute of limitations is the amount of time debt collectors and buyers have to collect on the debt. While debt collectors may attempt to collect on a debt after the statute of limitations has expired, they cannot take legal action associated with it. This means that they cannot file a lawsuit against the borrower or take action against them such as garnishing their wages or seizing their bank account.

While the statute of limitations often provides borrowers with a great deal of protection, there are times when a borrower may inadvertently start the statute of limitations again. For example, even entering into a payment agreement can extend the statute of limitations. Instead of the statute of limitations expiring soon, a new payment agreement may restart the clock, meaning that debt buyers and collectors have another five years to take legal action against the borrower.

How to Tell if a Debt Has Been Sold

Creditors do not have any obligation to tell borrowers when their debt has been sold. If you have an outstanding debt with a creditor, you may not realize that it has been sold until the debt buyer contacts you. Before paying the debt though, it is important to ask the debt buyer or collector to verify the debt. This is a right you have under the law and if they cannot verify that the debt is rightfully theirs, they have no right to collect on it. They also do not have the right to report the debt to the credit bureaus so it cannot negatively affect your credit report.

Has a Creditor Taken Legal Action? Our Florida Debt Defense Lawyers Can Help

If a creditor, debt collector, or debt buyer has taken legal action against you, it is critical that you speak to a Fort Lauderdale debt defense lawyer as soon as possible. All of these companies have the ability to garnish your wages, seize your bank account, or more if they are successful with their lawsuit. At Loan Lawyers, we know the defenses to these lawsuits and will use them to give you the best chance of a favorable outcome. Call us today at (954) 807-1361 or contact us online to schedule a free consultation.

Loan Lawyers has helped over 5,000 South Florida homeowners and consumers with their debt problems, we have saved over 2,000 homes from foreclosure, eliminated more than $100,000,000 in mortgage principal and consumer debt, and have recovered over $10,000,000 on behalf of our clients due to bank, loan servicer, and debt collector violations. Contact us for a free consultation and find out more about our money back guarantee on credit card debt buyer lawsuits, and how we may be able to help you.

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