Going Beyond What is Expected: A Modification in the Face of a Denial

Client was more than four (4) years behind on this mortgage and he came to us for assistance in saving his home from foreclosure. Over the course of those four (4) years he had made countless attempts to save his home; however, those attempts were unsuccessful.

Our client filed Chapter 13 bankruptcy with us in mid-September 2021. Through his Chapter 13, we indicated that Debtor was going to participate in the Mortgage Modification Mediation Program (the “MMM”).  Understanding that if the MMM was denied we would need as much time as possible to cure and maintain the mortgage, we promptly submitted the documents request by the mortgage company for consideration for mortgage modification. Despite our best efforts, the modification request was unfortunately denied on the basis that the mortgage company could not come up with a lower payment.

In compliance with the Court’s rules, we promptly amended the plan to cure and maintain the mortgage. The Chapter 13 plan payments were on the high side, but Debtor was willing to do just about anything to save his family home. This includes working a total of three (3) jobs. Our client’s wife was also employed full-time. His children, who resided in the home, pitched in to assist in making the Chapter 13 plan payments. Seeing how hard our client and his family were fighting to save his home, we could not and would not give up on them. So to work we went. We attended the mediation set for the review of the mortgage modification- a move that was seemingly a waste of time when there was a denial already issued. During the mediation, we dug into the reason for the denial. The mortgage company made it clear that it could not propose a lower payment than our client already had. We acknowledged that and made the argument that we were not concerned about the payment being somewhat higher. We further noted that our client and his family were making the plan payments that were higher than mortgage payments. We noted that our client and his family just want to save their home. Eventually, we reached an agreement with the mortgage company to resubmit the modification paperwork and we are happy to report that the modification request was granted. To make the outcome even better, trial mortgage payment was only $300 higher than our client’s current monthly mortgage payment.

Our client and his family are incredibly happy, and we are incredibly happy for them.

Loan Lawyers has helped over 7,000 South Florida homeowners and consumers with their debt problems, we have saved over 3,000 homes from foreclosure, eliminated $100 million in mortgage principal and consumer debt, and have recovered over $25 million 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

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Pitfalls to avoid if you have a Reverse Mortgage: Occupancy Issues

Reverse mortgages are offered by Federal Housing Administration (FHA) approved lenders to people that are 62 years old or older who have equity in their homes. The homeowner and the property have to meet all the requirements outlined by the lender to get approved for the reverse mortgage. Reverse mortgages allow homeowners to use some of the equity in the home to augment their income. For many seniors with equity in their homes who need supplementary income, reverse mortgages are a great way to support themselves as they approach or enter retirement.

What is the catch? Although there certainly are benefits for those that qualify for reverse mortgages, there are also several pitfalls that homeowners need to be aware of before they become reverse mortgage borrowers. There are quite a few ways that these reverse mortgage borrowers can end up involved as Defendants in a foreclosure lawsuit by defaulting on these reverse mortgages. Becoming a defendant in a foreclosure lawsuit puts these seniors at risk for losing the homes they worked hard for their entire lives.

What are some ways that these homeowners expose themselves to the risk of a foreclosure lawsuit? One way a reverse mortgage borrower can default on the reverse mortgage loan is by failing to certify their occupancy ever year. The terms of reverse mortgages require borrowers to occupy and use the property as their principal residence. On an annual basis, reverse mortgage lenders will require these homeowners to verify their occupancy. Typically, a certificate is sent to the borrower to complete and return to the lender in order to comply with this certification process. If the homeowners fail to meet this requirement this can trigger a foreclosure lawsuit.

How could a reverse mortgage borrower fall into this category of default? If the borrower forgets to complete and return the certification to the lender, the lender will interpret the failure to send in the certification as a breach of the terms of the reverse mortgage and accelerate the loan. Sometimes these senior reverse mortgage borrowers become ill or need additional care which puts them in a situation where they have to leave their home for extended periods and take up residence with a friend or family member, or perhaps at an assisted living facility to be able to attain the support that they need. When this situation occurs, the home ceases to become the principal residence of the borrower. At that point, the situation can also trigger a foreclosure lawsuit.

How do I avoid this pitfall? If you or someone you know is contemplating the pro and cons of a reverse mortgage or already has a reverse mortgage, keep this requirement in mind so that the certification requirements are complied with.

If you find yourself in a situation wherein you have already defaulted on the reverse mortgage and you are looking for a way to avoid foreclosure or a way out of foreclosure, contact us for a free consultation to see how we may be able to help you. Loan Lawyers has helped over 7,000 South Florida homeowners and consumers with their debt problems, we have saved over 3,000 homes from foreclosure, eliminated more than $100 million dollars in mortgage principal and consumer debt, and have recovered over $25 million dollars on behalf of our clients due to bank, loan servicer, and debt collector violations.  Give us a call today.

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Sued by Debski & Associates, P.A.? Here is What You Need to Do

Learning that someone has taken legal action against you is very scary. You will likely have concerns about what the future holds, wonder what to do next, and you may not even know what the lawsuit is about. These are things our Fort Lauderdale debt defense lawyers hear very often and in many cases, it is Debski & Associates, P.A. that has filed the lawsuit against a client.

If this law firm has taken legal action against you, it is important to know you are not alone. Below, our attorney advises on the most important actions to take if you have received notice of a lawsuit filed by Debski & Associates, P.A.

Understand the Nature of the Complaint

Many people who have learned that Debski & Associates, P.A. has filed a lawsuit against them wonder why, especially since they have never heard about the law firm before that time. Debski & Associates, P.A. is a law firm located in Jacksonville, Florida. The firm opened in 2002. At that time, the firm opened under the name Rubin & Debski, P.A. but the name was changed to Debski & Associates, P.A. in 2014.

Michael Thiel Debski is listed as the shareholder/partner on the firm’s own website. According to the Florida Bar, Debski has been licensed to practice law since 1996 and he does not have any actions regarding discipline filed against him in the past ten years.

The law firm is not accredited with the Better Business Bureau. However, the agency has provided them with an “A+” rating regardless of the fact that the firm has had two complaints filed against them since 2018. Under the old name of Rubin & Debski, P.A., the firm had seven complaints filed against it, according to the Consumer Financial Protection Bureau (CFPB).

The majority of lawsuits filed against people by Debski & Associates, P.A. involve debt collection. The law firm represents debt collectors and creditors who are owed debt by consumers and they hire the firm to file a lawsuit so they can collect on the debt.

Attend the Hearing

Many people are tempted to ignore a lawsuit filed against them by Debski & Associates, P.A., with the hopes that it will go away. It will not. If the law firm has filed a lawsuit against you, they have every intention of pursuing it and using every resource they have against you so they can win their case. Ignoring the lawsuit will only make this much easier for them.

If you ignore the lawsuit, an attorney from Debski & Associates, P.A. will appear at a hearing. When you do not show up, they will seek a default judgment against you and they will likely win their case. After obtaining the default judgment, the firm will then be able to garnish your wages, freeze your bank account, or take other action that will help them recover the debt you owe to their client.

Depending on how much debt you owe, there are different types of courts in which your hearing may be scheduled. If your case will be heard in small claims court, you will have to appear at a hearing known as the case management conference. If you are required to appear in county or circuit court, you will have 20 days to file a written response from the day you are served with the papers related to the lawsuit. If you do not appear at your hearing, or you do not file a response, the law firm will be able to obtain a default judgment.

To avoid a default judgment, it is imperative that you appear at your hearing or file a proper response. This is the first step in defending yourself and giving yourself the best chance of a successful outcome with the case.

Review the Documentation Carefully

You will receive a lot of paperwork that will be used against you in the lawsuit. Too many people simply assume these records are accurate and they do not even give them a second glance. This is a mistake.

By the time a lawsuit involving debt collection has gotten to the point where it is about to go to court, the debtor’s account has changed hands many times. During that time, the paperwork has also changed hands several times and important documentation may have gotten lost along the way. Or, the documents may not be accurate and may show that you do not owe the debt, or that the amount is wrong. When the paperwork is inaccurate, it could provide a defense that could help you win your case.

Review Your Options

It may not seem as though you have many options when a lawsuit is filed against you, but that is not true. If you can afford to settle the debt for a smaller amount than what you actually owe, that may be an option. Or, you may be able to file for bankruptcy and you will not be responsible for paying the debt at all. A Fort Lauderdale debt defense lawyer can advise you on the options available and recommend the one that is right for your case.

Negotiate and Settle

If a debt settlement is your best option, you will have to negotiate an amount to pay. For most people, this is very difficult, which is why it is usually recommended that individuals work with a lawyer. An attorney will have the necessary experience to negotiate a fair settlement amount and will draft the agreement, as putting it in writing is crucial so the company or firm does not raise a dispute in the future.

All Our Consumer Debt Lawyer in Florida Today

If Debski & Associates, P.A. has filed a lawsuit against you, it is important that you speak to a Florida debt defense lawyer instead of going it alone. At Loan Lawyers, we will advise you of your options and represent you throughout the entire case to give you the best chance of a positive outcome. Phone us today at (954) 523-4357 or connect with us online to request a free review of your case.

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Sue LVNV/CACH for Debt Collection Harassment

If you have been harassed by any debt collection company, it is important to know they may have broken the law. When that is the case, you can file a lawsuit against them to recover certain damages. Filing your own lawsuit against any debt collector that uses harassing or threatening tactics is important. Not only will it ensure you are not the victim of such tactics again, but it will hold the company accountable and help ensure they do not take such action again.

Two debt collection companies that are often named in harassment lawsuits are LVNV/CACH. If you have received letters or phone calls from this company and you believe they were harassing you, there are things you can do to make it right. Below, our Florida debt defense lawyer advises on what those are and can help you through the process.

What is LVNV/CACH?

LVNV is a debt collector that is based out of Charleston, South Carolina. Even though they are not based in the state of Florida, they still file thousands of lawsuits against Floridians, and against other borrowers throughout the country, every year. LVNV Funding also works with Resurgent Capital Services to collect on their debt.

CACH, on the other hand, is a debt collection company based out of Denver, Colorado. This debt collector also goes by the name SquareTwo Financial. Regardless of whether you have been contacted by LVNV or CACH, they are likely trying to collect on a debt. Both of these companies, and other debt collectors in Florida, purchase debt from banks, credit card companies, healthcare providers, and more for pennies on the dollar. Once they have bought the debt, they can then try to recover the whole amount. Any difference between what they paid for the debt and what they are able to recover is then pure profit for them.

Credit Reporting Errors Involving LVNV and CACH

Many people think that when LVNV, CACH, or other debt collectors sue them or report them to the credit bureaus, the information they provide is accurate. These companies have been known to make mistakes though, and that includes reporting borrowers to the credit bureaus when they do not have the right to do so.

If LVNV or CACH has wrongfully reported you to any credit bureau, such as TransUnion or Equifax, you do have the right to file a dispute with the bureau. The credit bureau will conduct an investigation, forward all documents to the debt collection company, and report back to you with the results. The only exception to this is when the credit reporting agency determines that the dispute is frivolous. Even when that is the case, the bureau must notify you within five days that they have made that determination.

If the credit reporting bureau finds that the information is inaccurate, the debt collector will have 30 days to remove the information from your report. If they do nothing to correct the error, you may then be able to file a lawsuit against the debt collector. A consumer debt lawyer can help you file this lawsuit and provide the sound legal advice you need.

Suing for Violations of the Fair Debt Collection Practices Act (FDCPA)

The Fair Debt Collection Practices Act (FDCPA) is federal legislation that governs the actions of debt collectors such as LVNV and CACH. The law was enacted to ensure that debt collectors treated borrowers fairly and respectfully when they are trying to recover the debt owed to them.

Just a few of the acts that are prohibited under the law include:

• Threaten you with legal action, negative credit reporting, or of garnishing your wages without actually intending to carry out those threats
• Contact anyone who does not owe the debt and speak to them about the details of it
• Contact your employer or contact you at your place of employment if you have asked them not to do so
• Call at unreasonable times, such as before 8:00 in the morning or after 9:00 at night
• Use obscene or profane language during phone calls with you
• Send letters of collection that appear to be from a government office or from a court

You can file a lawsuit against any debt collector who has broken the law and harassed you. However, it is essential that you confirm the debt collector has violated the law before you file your lawsuit. If a court believes you filed the lawsuit in bad faith, that is while knowing the debt collector did not commit any violations, a judge will not look kindly on you and that will hurt your case.

It is for this reason that it is critical you collect as much evidence as possible before filing your lawsuit. This evidence may include harassing letters the debt collector has sent you, and detailed notes about conversations you have had with the debt collector and what was said during those discussions. Without this evidence, even a legitimate lawsuit may be dismissed, which will mean you will not receive the damages you are likely entitled to.

Damages Available in Debt Collection Harassment Lawsuits

If you file a lawsuit against a debt collector such as LVNV or CACH and are successful, you may be able to recover certain damages. You can pursue damages for any losses you actually sustained. For example, if your employer fired you because the debt collector would not stop calling the place of business, you can pursue damages for your lost income.

The law also allows you to claim $1,000 in statutory damages if a debt collector harasses you. These damages are in addition to the compensation you can recover for your actual losses.

Our Consumer Debt Lawyers in Fort Lauderdale Can Help with Your Lawsuit

Whether you are defending yourself in a lawsuit filed by a debt collector, or you need to file your own on the grounds of harassment, our Fort Lauderdale consumer debt lawyers can help. At Loan Lawyers, we have helped thousands of clients successfully beat their debt collection lawsuits and obtain the damages they deserve and we want to help you, too. Call us today at (954) 523-4357 or contact us online to schedule a free consultation.

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Scholarship Winner Announcement

After reviewing the many persuasive submissions, Loan Lawyers is pleased to announce the winners of our 2021 Scholarship Essay Contest. 

Congratulations to the winners of our 2021 scholarships:

Abigayle Wilson (Lumberton High School)

Gabrielle Kelly (Western Governors University)

Our winners discussed what financial freedom means to them and how they will achieve it in the future. 

Abigayle attends Lumberton High School but hopes to attend Sam Houston State University in Huntsville, Texas, for college to study business management. She enjoys reading books on government and politics in her free time. Above all, Abigayle strives to make everyone around her feel included. She describes financial freedom as going “hand in hand with not living paycheck to paycheck.” Her plan for financial freedom includes getting as much scholarship support as possible for her college education. She also plans to work part-time throughout college.

Gabrielle is pursuing her Bachelor’s in Accounting through Western Governors University. She believes that financial freedom is the ability to take of yourself and your family now and in the future. Her plan is to live frugally now in all aspects of life, including groceries, gas, clothing, and other expenses. She states, “I believe that I can obtain such a life as long as I work hard now to be able to sow the fruits of my labor later.” Gabrielle’s hobbies include music, art, reading, and spending time with her family.

Why Loan Lawyers Sponsored the 2021 Scholarship Essay Contest

Loan Lawyers knows that no one wants to be in debt, but sometimes there are circumstances out of our control. This can put even the most financially responsible into debt. If you’ve found yourself in debt you cannot handle, we’re here to help. However, it’s important to us that our youth learn financial freedom now so that they don’t end up in debt later. 

That’s why we’ve encouraged young people to apply for our scholarship and consider what efforts they can make now and in the future to be financially responsible. Forming good habits now will lead to good habits in the future.

About Loan Lawyers’ Annual Scholarship

Our winners submitted 800-1,000 word essays answering the following questions:

• What does financial freedom mean for you?
• How can you achieve it in the future?

Our two winners will receive $750 to go towards their educational expenses. Loan Lawyers looks forward to seeing how Abigayle and Gabrielle continue to grow and learn financial literacy. 

Find Financial Security with Loan Lawyers Law Firm in Fort Lauderdale, FL

You may still find yourself in debt even when you plan everything perfectly. Loan Lawyers is here to find the best financial solution for our clients. As one of the best Foreclosure Defense, Debt Defense, and Bankruptcy Law Firms, we will pursue every option we can to get you back on your feet and financially free. 

If you need debt relief, contact us today for your free consultation.

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How Long Does it Take to Stop a Foreclosure?

If you have been notified by your mortgage lender that they are going to start the foreclosure process because the home loan is in default, you are likely wondering if you can stop the foreclosure. Due to the fact that the foreclosure process is sometimes a long and stressful one, you also probably want to stop it as soon as possible.

You can try and stop the foreclosure from proceeding at any point in the process, even after the home has been sold at a foreclosure auction. Different phases of the process will take different periods of time and to understand when you can stop the foreclosure, you must first know what those are. Our Fort Lauderdale foreclosure defense lawyer explains when and how to stop a foreclosure below.

Stopping the Process During Pre-Foreclosure

Stopping the foreclosure process during the pre-foreclosure phase is ideal because foreclosures are stressful, time-consuming, and can even be quite expensive. During the pre-foreclosure phase, the lender must notify you that the home loan has fallen into default. However, at this time, the lender has not yet filed a foreclosure lawsuit with the court.

The length of time the pre-foreclosure stage takes will depend on the facts of the specific situation. Still, under the Dodd Frank Act, you have at least 120 days. This is known as the loss mitigation period and lenders are prohibited from filing a foreclosure lawsuit during that time. The 120 days start from the date of the first missed mortgage payment.

Once the 120 days have expired, the lender can usually start the foreclosure process by publishing a notice of default and eventually selling the home at an auction. In some cases, it is possible to extend the 120-day period. You must contact the bank and ask for a loss mitigation package. After you fill out this paperwork and submit it to your lender, they are required to inform you of whether you are eligible for loss mitigation. Even if you are not, the length of time it takes the lender to review your paperwork can delay the foreclosure process from moving forward.

You can stop the foreclosure from happening at any point during the pre-foreclosure phase. As long as you can pay the deficiency and bring the loan current, this is enough to stop the foreclosure immediately.

Stopping the Foreclosure Sale

If your case proceeds to the point where the lender has filed a notice of default and submitted their complaint to the court, the foreclosure lawsuit will proceed. If the lender is successful with their case, the home will then be sold during a foreclosure auction. The lawsuit will take anywhere between 180 and 200 days, on average, and that is if you do not contest it. The lawsuit will take longer if you contest the lawsuit by raising an appropriate defense.

Some of the most common defenses used in foreclosure cases are as follows:

• Lack of standing: Lenders must have legal standing to file a foreclosure lawsuit. Essentially, this means the lender must have been harmed by your failure to make mortgage payments. If the lender was not harmed, they do not have standing and this could be enough for a judge to dismiss the case.
• Insufficient notice: Most mortgage loans require the lender to notify you of the foreclosure before they file a lawsuit, and that notice must be given within a certain period of time. If your lender did not provide adequate notice, it can serve as a defense.
• Unclean hands: To prove the lender has unclean hands, you must show the bank took action that caused or contributed to the foreclosure. For example, if the lender agreed to delay some of your mortgage payments but then foreclosed on the property after you did not pay, that would be considered unclean hands.
• Failing to properly account for mortgage payments: There are very specific rules under both state and federal law lenders must follow when applying payments and charges to mortgage loans. If the lender did not comply with these laws, it could serve as a defense to foreclosure.
• Non-compliance with HUD requirements: The U.S. Department of Housing and Urban Development (HUD) offers many loan counseling options to homeowners. Lenders are required to inform borrowers of these options and when they do not, it can serve as a foreclosure defense.

A Fort Lauderdale foreclosure defense lawyer will review the facts of your case to determine which defense is best. The amount of time it will take to stop the foreclosure will depend on which defense is used.

The Right of Redemption

Using the right of redemption does not necessarily stop the foreclosure because before you can exercise this right, the foreclosure must have already gone through. However, the right of redemption can help you get your home back after the foreclosure auction.

The statutory right of redemption allows you to reverse a foreclosure sale after the auction was held and the home was sold. Under the law, you can pay off the total debt, including the principal balance, interest, and other costs and keep your home. You only have a limited amount of time to do this, though. Usually, borrowers are only given ten days to exercise their right of redemption. The amount of time you have will depend on the order from the foreclosure court, or the filing of the certificate of sale, whichever is later.

Our Foreclosure Defense Lawyer in Fort Lauderdale Can Help You Stop the Process

If your lender has notified you that they will begin the foreclosure process, your biggest concern is likely how to stop it. At Loan Lawyers, our Fort Lauderdale foreclosure defense attorneys know the defenses available that can help you stop the process and give you the best chance of keeping your home. Call us today at (954) 523-4357 or fill out our online form to schedule a free case review and to learn more about your legal options.

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Cooling and Winter, LLC – Stop Wage Garnishment and Lawsuits

If you have received a letter or legal documents from Cooling and Winter, LLC, you may not understand the legal jargon within, or if you do, you may be worried about your financial future. Receiving documentation from this law firm may mean that they have filed a lawsuit against you, and that they want to take further legal action, such as garnishing your wages. It is important that you respond to the lawsuit right away, so you can defend yourself and avoid legal action. A Fort Lauderdale debt defense lawyer can prepare the defense that will give you the best chance of a positive outcome.

 

Cooling and Winter, LLC Represents Creditors

Cooling and Winter, LLC, is a law firm that is located in Marietta, Georgia. The law firm represents creditors such as Bank of America and Capital One, so if you have a debt with either of these institutions, or any other, and it is in default, there is a good chance Cooling and Winter, LLC will be the law firm to contact you. While Cooling and Winter, LLC does represent some of the biggest financial institutions in the country, they also represent debt collection companies and companies that purchase defaulted student loans.

Companies that retain Cooling and Winter, LLC as their legal representation have typically tried to recover the debt from borrowers on their own without success. As such, even if you have not heard from the law firm yet, but you do have unpaid credit card debt or a student loan that has fallen into default, it is important to know that you may hear from Cooling and Winter, LLC at some point in the future.

Cooling and Winter, LLC May Try to Garnish Your Wages

As a borrower, it is important to understand that after a credit card company or student loan lender hires a law firm such as Cooling and Winter, LLC, they are trying to obtain a court order to collect on that debt. Once they Cooling and Winter, LLC, the law firm will take the necessary steps to petition the court to garnish your wages or your bank account.

If they are successful with trying to garnish your wages, your employer will legally have to take up to 25 percent of your wages off of every paycheck. The wages they garnish will go towards the amount of debt you owe and the company will continue to garnish your wages until the debt is completely paid off. If the company is successful with their case and they are able to garnish your bank account, they can take whatever is owed to them directly from that account.

Why is Cooling and Winter, LLC Calling You?

There are a number of reasons why Cooling and Winter, LLC may be calling you. However, if they are phoning or sending you letters, you may face legal action at some point in the future. If the law firm is calling, they are likely preparing to sue you, are in the process of suing you, or they have already filed their lawsuit and obtained a successful outcome.

You may think Cooling and Winter’s attempt to contact you constitutes harassment because they are calling so often. If you feel as though the law firm is harassing you, it is also natural to wonder if you can take action against them. The answer to that question remains unclear. The debt collectors that Cooling and Winter, LLC represents are required to comply with the Fair Debt Collection Practices Act (FDCPA). This piece of federal legislation prohibits debt collectors from calling at certain times, contacting you several times a day, and other unfair debt collection practices.

However, the FDCPA largely only pertains to debt collectors. Prior to 1986, the Act included a statutory exemption for attorneys, meaning there was no question that the law did not apply to lawyers and law firms. In 1986 though, the law was amended to remove that statutory exclusion. Since that time, many lawyers have become the target of lawsuits that cite violations of the FDCPA.

Some courts have allowed these lawsuits to proceed while others have thrown them out, claiming that lawyers are not debt collectors and so, not subject to the FDCPA. If you feel as though Cooling and Winter, LLC is harassing you, it is important to speak to a Fort Lauderdale debt defense lawyer that can advise on your case.

Respond to Any Lawsuit Filed By Cooling and Winter

Many times when Cooling and Winter, LLC files a lawsuit against a borrower, the debtor ignores it and does not appear in court. This is the easiest way for Cooling and Winter, LLC to win their case. If you do not respond to the lawsuit and do not appear in court, the law firm will ask the judge for a default judgment in their favor, which the court will likely grant. Then, the law firm will pursue the wage garnishment and there will be little you can do about it.

A Fort Lauderdale debt defense lawyer can prepare a defense that will give you a good chance at winning your lawsuit. There are several defenses in these cases, such as if the statute of limitations expired or the debt collector Cooling and Winter is representing cannot prove that they own the debt. In some cases, a lawyer may also negotiate a payment plan with Cooling and Winter, LLC. This can stop the wage garnishment while allowing you to repay the debt in a manner that is more affordable for you.

Call Our Fort Lauderdale Debt Defense Attorney Today

If you have been contacted by Cooling and Winter, LLC, it is important to speak to our Fort Lauderdale debt defense lawyer today. At Loan Lawyers, our skilled attorney will review the facts of your case to determine the best defense, or negotiate with the law firm on your behalf to give you the best chance of avoiding a wage garnishment and other negative legal actions. Call us today at (954) 523-4357 or fill out our online form to schedule a free case review.

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