Thursday, November 24, 2011

Shuster & Saben Recovers $8,717.50 from Bank of America.

A previous blog post described how Shuster & Saben, LLC sued Bank of America for violations of the Florida Consumer Collection Practices Act, ( FCCPA) on behalf of a Brevard County foreclosure defense client. The firm filed a separate lawsuit against Bank of America rather than filing a counterclaim in the underlying foreclosure case. After Bank of America failed to show up for Court the firm obtained a default and a default final judgment for $2,000.00 of damages for our client. When Bank of America failed to show up for the fee hearing the firm obtained an award of attorney’s fees, costs, expert witness fees and interest of over $6,700.00. When Bank of America failed to pay the judgments within ten days, firm attorney Richard Shuster, wrote Bank of America’s in-house legal department and threatened to levy on the judgment and seize bank assets in Melbourne, Florida if the judgment was not paid by November 23, 2011. Earlier this week, as the firm prepared to levy on the judgment, a check arrived by Federal Express at the firm’s Melbourne office. Our client will now receive $2,000.00 in damages plus interest for Bank of America contacting the client after a notice of attorney representation was sent to the bank. All of the attorney’s fees and costs for the litigation have been paid by Bank of America. While Bank of America’s foreclosure action against our client continues, our client’s case against Bank of America was won in under six months.

About Shuster & Saben: Shuster & Saben accepts referrals from other law firms whose clients have been directly contacts by lenders and loan servicers after such companies were put on notice that the consumer is represented by counsel. We also co-counsel with firms that have not previously sued banks and loan servicers. Shuster & Saben has a zero tolerance policy for lenders, loan servicers, and bill collectors who harass firm clients with letters or calls. Consumers with questions about the FCCPA or who want calls from bill collectors to stop can contact the firm by E-mail at

Tuesday, November 15, 2011

Shuster & Saben wins another foreclosure case against Bank of America

Shuster & Saben won another foreclosure case against Bank of America subsidiary BAC Home Loans. This victory in Brevard County, follows a trial victory for the firm, in another case against Bank of America pending in Miami-Dade. The firm’s victorious foreclosure client was a family living in Palm Bay. At the onset of the case, the firm diligently assisted the client in submitting a complete loan modification request under HAMP. When the firm’s efforts to reach a reasonable settlement were not countered with a single loan modification offer, firm lawyer Richard Shuster knew it was time to go on the attack. The firm served requests for admission on Bank of America that asked the bank to admit that the bank did not own the note and mortgage on our clients home and did not hold the note.

When Bank of America failed to reply to the requests for admission within thirty days the requests were deemed admitted by operation of law. The firm then filed a motion for summary judgment on behalf of the homeowners. The firm expected that the bank’s lawyers would files responses to the requests for admission prior to the summary judgment hearing but the bank's lawyers never filed responses to the requests for admission. At the hearing on the Defendant / Homeowner's motion for summary judgment, the bank, for the first time made an oral motion for relief from admissions. The motion was untimely and was denied by the Court. The Court then granted Defendants’ Motion for Summary Judgment and adjudicated that Bank of America did not own or hold the loan. Since this was an adjudication on the merits Bank of America will NOT be able to re-file the case. The firm will now seek prevailing party attorney’s fees on behalf of its client to be paid by Bank of America and will commence an action to quiet title to the client's property.

Lawyers and scheduling staff at Shuster & Saben are often told by judges and Court scheduling assistants that very few foreclosure defense lawyers go on the attack and file offensive motions for summary judgment. Often foreclosure defense lawyers are content to simply file a motion to dismiss. Unfortunately, when a motion to dismiss is granted, it is usually either with leave to amend or with leave to re-file a new lawsuit. When a homeowner wins a motion for summary judgment on a pertinent issue, the losing bank will not be able to prosecute a new lawsuit under the principals of res judicata. Shuster & Saben has won other cases with this aggressive strategy and encourages other foreclosure defense lawyers to give this technique a try.

To view a redacted copy of the entire order please click the link below:

About Shuster & Saben: Shuster & Saben, LLC is firm of eight civil litigators, practicing foreclosure defense, insurance litigation, and consumer protection law, from four Florida offices in Miami, Doral, Fort Lauderdale, and Melbourne. The firm passionately defends foreclosure cases pending in counties within two hours drive of the firm’s 4 offices. The firm can be reached by E-mail at

Wednesday, November 9, 2011

Shuster & Saben Celebrates Two Great Years In Firm's Melbourne Office

While Shuster & Saben, LLC was founded in Miami in 2004, the firm opened its third office in Melbourne in October of 2009. The Melbourne office is run by firm co-founder, Richard Shuster who is a resident of Satellite Beach. Since opening firm’s Space Coast office the firm has only lost one foreclosure summary judgment hearing in Brevard County. While there are many law firms that have never obtained a loan modification with a principal reduction, in the last twelve months the Melbourne office had two loan modifications with principal reductions averaging $100,000 (each) for residents of Palm Bay and Indian Habour Beach. For each of these clients, their settlements meant the difference between keeping and losing their homes.

As the firm’s reputation became more well known, the firm was called in to defend a three million dollar foreclosure case in Lee County, that was resolved by short sale with a complete release for the firm’s client. The settlement did not require any out-of-pocket payments by the client to the Plaintiff / Bank or to any second mortgage holder.

Shuster & Saben has never been a firm content to just fight on defense. During the last year, the firm’s Melbourne office sued Bank of America, Chase, CitiMortgage, Fannie Mae, Nationstar, Litton, Ocwen, Strategic Recovery Group, Vantium Capital, Vericrest, and Wells Fargo for claims under the Fair Debt Collection Practices Act, Florida Consumer Collection Practices Act, Real Estate Settlement Procedures Act (RESPA), and Truth in Lending Act (TILA). During the first ten months of 2011, Shuster & Saben sued more banks in Brevard's County Court than any firm in Florida. The firm also went on the offensive by filing motions for summary judgment against banks in foreclosure cases, and used such techniques to win foreclosure cases by summary judgment.

To our Melbourne clients, staff, and the lawyers in the community who referred us their friends and neighbors, we give thanks for opportunity to fight for our neighbors homes and thanks for a great second year.

(Note: clicking any of the colored or grey text links above will take readers to a prior blog post about the case in question).