Background

As the old saying goes, your home is your castle. Unfortunately, these days too many castles are under attack. In Florida, as in several other states, foreclosures have taken on epidemic proportions.

In days past, foreclosures were relatively rare and the foreclosed homeowner was typically viewed as a “deadbeat". Today, however, more often than not, homeowners are finding themselves in foreclosure for reasons totally out of their control. Naturally a certain portion of the foreclosure cases are due to job loss and illness.  Today however you also have something that has never been seen before in the home mortgage business because over the last 6 to 8 years home mortgages became much more than a simple transaction between the homeowner and the bank.  Hungry securities investors, eager to invest in home mortgages, created a situation resulting in a severe shortage of mortgages to satisfy the appetites of these investors.  As a result, many creative mortgage programs were created so that more mortgages could be sold.  Unfortunately, in many situations, the details of the mortgage programs were not adequately explained to the homeowner if they were explained at all. The positives of these programs were embellished and the negatives were ignored or misstated. Frequently homeowners ended up with mortgages that were totally different from what they sought or thought that they were getting.

In summary, many homeowners entered into mortgages that they never would have entered into had they known all of the facts. It is these homeowners that are the new faces of the “deadbeat” homeowner. It is these homeowners - good, honest people - who were taken advantage of by a system fueled by greed, that are now being threatened with the loss of their homes.

How We Can Help

Our firm handles foreclosure defense cases for homeowners who want to keep their homes and who view foreclosure defense as more than just a stalling tactic. In addition to handling the legal requirements involved in traditional foreclosure defense matters, for each and every client we thoroughly investigate potential violations by their lenders of various state and federal consumer protection laws and causes of actions such as: 

a)    Federal Truth-in-Lending Act (TILA),

b)    Federal Real Estate Settlement Procedures Act (RESPA),

c)    Federal Home Ownership Equity Protection Act (HOEPA),

d)    Predatory Lending,

e)    Reverse Redlining,

f)     Unfair and Deceptive Acts and Practices (UDAP),

g)    Fraud,

h)    Federal Equal Credit Opportunity Act (ECOA),

i)     Federal Fair Housing Act (FHA), and/or

j)     Fair Debt Collection Practices Act (FDCPA).

We would like to help you save your castle!