tag:blogger.com,1999:blog-35543095166673630092024-03-13T07:26:46.810-04:00Florida Foreclosure Defense BlogFlorida Foreclosure Defense Blog is the Blog of Foreclosure Defense department of Shuster and Saben, LLC a law firm of nine attorneys with offices in Satellite Beach, Miami, Jacksonville and St. Petersburg, Florida. We defend homeowners facing foreclosure the Space Coast and Central Florida and prosecute consumer litigation claims on a state wide basis. We offer a free initial consultation and reasonable monthly fees.
To contact the Blog authors please E-mail foreclosuredefenselaw@gmail.comAnonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.comBlogger104125tag:blogger.com,1999:blog-3554309516667363009.post-16771072747706134262017-11-17T23:55:00.001-05:002017-11-18T00:04:38.176-05:00Firm Sues Bank of America For Wrongfully Charging Attorney’s Fees in a Foreclosure ActionShuster & Saben, LLC filed suit against <a href="https://www.bankofamerica.com/" target="_blank">Bank Of America</a>
(BofA) on behalf of an Orange County, Florida homeowner. In
2012, Bank of America filed a foreclosure action against our client. The client hired a Tampa based lawyer
to defend the foreclosure action.
In 2014, the judge of the foreclosure division entered summary judgment
in favor of the homeowner and against Bank of America. Pursuant to <a href="http://www.leg.state.fl.us/STATUTES/index.cfm?App_mode=Display_Statute&URL=0000-0099/0057/Sections/0057.105.html" target="_blank">Florida Statute 57.105(7)</a>
when a bank loses a foreclosure action the bank cannot recover the attorney’s
fees it paid its lawyer or the filing fees it paid to the court. Nonetheless, even after Bank of America
lost the foreclosure action it continued to send monthly mortgage statements
that lumped in the past attorney’s fees into the total amount due.<br />
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Shuster & Saben, filed suit against Bank of America for
violation of the Florida Consumer Collection Practices Act (FCCPA) for
attempting to collect sums that Bank of America had no right to collect. The lawsuit also alleged violation of
the Fair Debt Collection Practices Act because Bank of America’s statements
failed to adequately disclosure the nature of the changes it sought to collect,
and failed to adequately explain that the charges included in the statement
were attorney’s fees and costs incurred in the prior foreclosure action.
Finally, the firm brought RESPA claims for Bank of America’s failure to timely
respond to a Qualified Written Request submitted on behalf of the client. To
read a r<a href="https://thetruthaboutloanmodification.files.wordpress.com/2017/11/suitvsbofa_scan_nov20171.pdf" target="_blank">edacted copy this lawsuit click here</a>. </div>
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About Shuster & Saben: At Shuster & Saben consumer protection law does not end with defending consumers from foreclosure actions and debt collectors. We sue banks, loan servicers, junk debt buyers, and debt collectors who violate the Fair Debt Collection Practices Act (FDCPA) or who call the consumers cell phone without permission in violation of the TCPA. </div>
Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com01516 Hillcrest St #207, Orlando, FL 32803, USA28.5519489 -81.36069650000001728.5515129 -81.361327000000017 28.5523849 -81.360066000000018tag:blogger.com,1999:blog-3554309516667363009.post-17683593222822998362017-02-24T22:14:00.000-05:002017-02-24T23:03:53.292-05:00Firm Sues Fingerhut For TCPA ViolationsThe lawyers at Shuster & Saben filed suit in Orange County, Florida
against Bluestem Brands, Inc. a company that does business as <a href="https://www.fingerhut.com/" target="_blank"><span style="color: blue;">Fingerhu</span>t</a> on
behalf of a Orlando resident. The
suit alleges that <a href="https://en.wikipedia.org/wiki/Fingerhut" target="_blank">Fingerhut</a> called our client 59 times in a mere 19 days. The lawsuit was filed under the
<a href="https://www.fcc.gov/general/telemarketing-and-robocalls" target="_blank"><span style="color: blue;">Telephone Consumer Protection Act</span></a>, a/k/a the TCPA. The TCPA prohibits any company from calling a consumer’s
cell phone using automated dialing systems unless the consumer has given the
company permission to make such calls.<br />
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Fingerhut is widely known for its practice of allowing
customers to purchase goods on credit and pay for the items on a monthly installment
basis over a course of several months.
The firm’s client purchases a grill from Fingerhut after seeing a
television advertisement offering the grill for a modest monthly price. The client made payments on the
grill until she lost her job. She was then inundated with calls from Fingerhut
and often received three or four calls in a single day. Fingerhut’s calls became increasingly
aggressive and the bill collectors urged the consumer to borrow money from
friends, family, or other sources to make a payment on the grill. The consumer explained that she told
Fingerhut to stop calling her but Fingerhut refused. This lawsuit seeks damages for $1,500.00 per call for at least
59 calls, which equates to $88,500.00. </div>
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<a href="https://thetruthaboutloanmodification.files.wordpress.com/2017/02/redacted-fingerhut-complaint2.pdf" target="_blank"><span style="color: blue;">Click here to view a redacted copy of the lawsuit complaintfiled against Bluestem d/b/a Fingerhut</span></a>. </div>
Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com01413 S Patrick Dr #7, Satellite Beach, FL 32937, USA28.1710594 -80.6054705000000240.35270189999999957 -121.91406450000002 55.9894169 -39.296876500000025tag:blogger.com,1999:blog-3554309516667363009.post-20805514642967414582016-04-25T23:46:00.000-04:002016-04-26T14:03:47.253-04:00Firm Sues Caliber Home Loans for Dual Track Violation and Wrongful Foreclosure<div class="MsoNormal" style="background: white; margin-bottom: 0.0001pt;">
<span style="color: #333333; font-family: Palatino; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">When a <st1:place w:st="on"><st1:placename w:st="on">Satellite</st1:placename> <st1:placetype w:st="on">Beach</st1:placetype></st1:place> resident received a loan
modification offer from Caliber Home Loans, she thought her foreclosure ordeal
was finally over. While Ocwen, the prior servicer of the homeowner’s loan,
had commenced a foreclosure action against her years earlier before the
scheduled foreclosure sale, Caliber offered the homeowner a trial loan
modification. </span><span style="color: #333333; font-family: Georgia; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<tr><td class="tr-caption" style="text-align: center;">Sued for Dual Track Violations and Wrongful Foreclosure </td></tr>
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<span style="color: #333333; font-family: Palatino; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">On November 12 , 2015,
Caliber offered the <st1:place w:st="on"><st1:placename w:st="on">Satellite</st1:placename>
<st1:placetype w:st="on">Beach</st1:placetype></st1:place> resident a trial
loan modification. The homeowner accepted and began making payments on the loan
modification. She made her first trial payment prior to its December 1,
2015 due date and made her second trial payment before a January 1, 2016 due
date. She was then sent an agreement to turn the trial modification into
a permanent modification. She then timely signed the agreement and
returned it to Caliber. Caliber’s lawyers, when the consumer was at the
early stages of the loan modification process, rescheduled the foreclosure sale
date to January 6, 2016. The homeowner, who did not have a lawyer at the
time, trusted Caliber when they told her that as long as she made her payments
she did not need to worry about the foreclosure action. </span><span style="color: #333333; font-size: 12pt;"><o:p></o:p></span></div>
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<span style="color: #333333; font-family: Palatino; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">On Thursday, December
31, 2015, Caliber’s lawyers filed a motion to re-schedule the sale that was set
for just three business days later on Wednesday January 6, 2016.
Unfortunately, after Caliber’s lawyer waited until New Years Eve, just three
business days before the scheduled sale, they never obtained a hearing on their
motion to cancel the foreclosure sale. A judicial foreclosure auction was
held on January 6, 2016 and the plaintiff in the foreclosure action was the
winning bidder. </span><span style="color: #333333; font-size: 12pt;"><o:p></o:p></span></div>
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<span style="font-family: "palatino"; font-size: 12.0pt;"><span style="color: #333333; font-family: Palatino; font-size: 12pt; line-height: 115%;">When the homeowner called Caliber to make her
next loan modification payment, Caliber informed her that they completed the
foreclosure on her home and would not be able to modify her loan. At this
point, the homeowner hired Shuster & Saben to vacate the foreclosure sale
and sue Caliber violation of a Federal law that prohibits “Dual Tracking” and
makes it illegal for a loan servicer to continue to prosecute a foreclosure
action while the homeowner in making payments pursuant to a trial loan
modification. This federal law is found at 12 Code of Federal Regulations
1024.41, also referred to as 12 C.F.R 1024.41. </span>. The firm’s three count complaint against Caliber seeks
damages for violation of 12 C.F.R. 1024.41, for breach of the loan modification
agreement, and violation of the Fair Debt Collection Practice Act. <a href="https://thetruthaboutloanmodification.files.wordpress.com/2016/04/redacted_caliber_complaint1.pdf" target="_blank">To review a redacted copy of the lawsuit failed against Caliber please click here</a>. In the underlying foreclosure action </span><span style="background-color: white; color: #333333; font-family: Palatino; font-size: 12pt;">the firm has stopped Caliber from executing on
a writ of possession and moved to vacate the foreclosure
sale. Hopefully, in the near future, a </span><st1:place style="background-color: white; color: #333333; font-family: Palatino; font-size: 12pt;" w:st="on"><st1:placename w:st="on">Brevard</st1:placename> <st1:placetype w:st="on">County</st1:placetype></st1:place><span style="background-color: white; color: #333333; font-family: Palatino; font-size: 12pt;">
jury will be able to award our client appropriate damages against Caliber Home
Loans.</span><br />
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Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com0Satellite Beach, FL, USA28.1761233 -80.59005189999999228.1201358 -80.67073289999999 28.2321108 -80.5093709tag:blogger.com,1999:blog-3554309516667363009.post-42383265673063493632015-10-21T22:45:00.000-04:002015-10-26T12:06:10.600-04:00Five Year Foreclosure Case Settled with Permanent Loan Modification<div style="text-align: justify;">
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In 2010, a Palm Bay homeowner in the building and
construction trade hired Shuster & Saben, to defend the foreclosure J.P.
Morgan Chase filed against his home.
At the time, things did not look good for our client. After new construction came to a stand
still, his small business was nearly wiped out and his income was cut by more
than half. He owed more than
double the value of home and had no way of catching up the year of payments he
missed before the foreclosure was filed.
Further, since J.P. Morgan, the original lender, was servicing the loan
for Freddie Mac, the loan servicer was prohibited by U.S. Treasury regulations
from reducing the principal balance.</div>
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We defended the case through the rest of 2010, and all of
2011, 2012, and in 2013 we defeated
JP Morgan’s motion for summary judgment.
While we defended the case, we also submitted several loan modification
packages to JP Morgan Chase but each time our client was turned down. Our client was turned down for
insufficient income, too many missed payments, and with each successive package
there was a new reason why our client did not qualify. In 2014, Freddie Mac transferred servicing of the loan from JP Morgan Chase to Seterus. By 2014, Freddie Mac had also expanded the number of
different loan modification options available on Freddie Mac loans and
decreased the number of requirements and the amount of paperwork required to
qualify for a new type of loan modification known as a Streamlined HAMP. </div>
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When Seterus, the new servicer requested that we submit a
new loss mitigation package in 2015, our client was quite a bit skeptical. Our client asked, “Why should I submit
another package? I have already been turned down at least four times.” I responded that “the worst thing
Seterus could do was say no. Perhaps after five years without receiving one mortgage payment Freddie
Mac and Seterus will be ready to make a deal rather than come duke it out at
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Our client collected the documents we requested and I went
over the submission carefully to make sure it was complete and that the client's
expense ratios were in line with program guidelines. By 2015 our client’s income was moderately higher than it
was 2010 which also improved his chance at getting a loan modification. After submission of the package our
client was approved for a trial modification. Once we mailed in the first trial payment, we called the
lender’s counsel who agreed to continue the trial that was already set in this
case. In October of 2015, after making four
trial payments, our client was approved for a permanent
loan modification. The permanent
loan modification will cut our client's principal and interest payment nearly in
half. Our client's new principal and
interest payment is $943.23, and his new interest rate is 4%. While our client still owes a little
more than his home is worth, his
total monthly payment with taxes and insurance included is $1,547.77, which is
far less than the cost of renting a similar 3,000 square-foot premium newer home in Palm Bay. <a href="https://thetruthaboutloanmodification.files.wordpress.com/2015/10/redacted-12-page-seterus-mod-2015.pdf" target="_blank"> </a><a href="https://thetruthaboutloanmodification.files.wordpress.com/2015/10/redacted-12-page-seterus-mod-2015.pdf" target="_blank">To review the redactedfinal loan modification agreement click here. </a></div>
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<span style="mso-spacerun: yes;">About Shuster & Saben: For most foreclosure clients if the firm does not win their case outright we settle the file with a loan modification. Bank lawyers who know our work and track record understand why we get so many great loan </span>modifications. We study how loan modifications are underwritten including Fannie Mae's most recent and often changing servicing guidelines. We help clients avoid mistakes which can ruin a loan modification and follow-up with banks and their lawyers until the loss mitigation package is complete. Bank lawyers know that if there is no loan modification our firm will not hesitate to take a case to trial and they know we will walk away from "crappy" loan modification offers. Bank representatives know that without a loan modification they will have to fly (or drive) in for both a deposition and eventually a trial. </div>
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Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com0Palm Bay, FL, USA28.0344621 -80.58866460000001627.8101146 -80.911388100000011 28.2588096 -80.26594110000002tag:blogger.com,1999:blog-3554309516667363009.post-35498267815017895302015-10-19T23:58:00.002-04:002015-10-20T00:08:40.028-04:00Trial Victory: Firm Defeats HSBC & Clarfield Okon Law Firm<div style="text-align: justify;">
On September 21, 2015, I went to trial against HSBC Bank at
the Brevard County Courthouse.
Representing HSBC Bank was the Christopher Pennington of the law firm
<a href="http://www.cosplaw.com/" rel="nofollow" target="_blank"><span style="color: blue;">Clarfield, Okon, Solomone and Pincus, P.L</span></a>. When the trial began, counsel for the bank was quick
to point out that our client had not made a mortgage payment since September of
2008. The bank’s lawyers commented
in opening statement to the effect “it has been over SEVEN YEARS since Mr.
Shuster’s client has made a mortgage payment.” </div>
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Not being one to be pushed around by bank counsel, I
responded, that the reason our clients had gone seven years without a mortgage
payment was the prior servicer never offered a loan modification and the first
foreclosure action filed against our client was dismissed. I countered that the evidence would
show that loan servicer failed to send a proper notice of default and the
plaintiff would be unable to prove standing at the inception of the case. Today, HSBC will lose its second
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In this trial the notice of default was sent out in 2008 by
the prior servicer, IndyMac. The
servicer who appeared at the trial for HSBC was the current loan servicer,
<a href="http://www.ocwen.com/" target="_blank"><span style="color: blue;">Ocwen</span></a>. Our clients’ mortgage, like
just about every mortgage, required the lender to send any notices to the
borrower to the property address unless the borrower notifies the lender in
writing to send all notices to some other address. At trial, Ocwen presented the IndyMac notice of default sent
in 2008 to an address other than the property address. Ocwen did not provide the Court with a
copy of any written notice from the borrower to change the notice address to an
address other than the property address.
It appeared to me that Ocwen and their lawyer did not realize that the
prior loan servicer sent the notice to an address that was different than the
property address. After the
plaintiff rested I pointed out the plaintiff’s failure to come forward with any
proof that the notice address was ever changed. The plaintiff (HSBC) and their lawyers never knew what hit
them. They had failed to prove
their case. All they had show the
court was that a notice was mailed to an address other than the address of the
mortgaged property without even showing who lived at the address where the
notice was sent. While they
alleged that the notice was sent certified mail they further lacked a “Green
Card” to show who, if anyone, signed for the notice.</div>
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At trial the court reserved ruling. In early October we received the
attached ruling in our favor from Judge Rhoda Babb. <span style="color: red;"><a href="https://thetruthaboutloanmodification.files.wordpress.com/2015/10/redacted-final-judgment_trial_2015.pdf" target="_blank">To read the entire judgment with our client's name redacted click here</a>.</span> </div>
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<i>About Shuster & Saben, LLC</i>:<span style="mso-spacerun: yes;"> </span>Foreclosure is a problem. Feet dragging is not a solution.<span style="mso-spacerun: yes;"> </span>If our client wants to keep their home then the our goal is
to get them a great loan modification or win their case.<span style="mso-spacerun: yes;"> </span>It has been our experience that banks
make the <a href="http://floridaforeclosuredefense.blogspot.com/2012/06/enormous-principal-reduction-loan.html" target="_blank"><span style="color: blue;">best loan modification offers</span></a> when their lawyers know that the
homeowner’s counsel is ready, willing, able and PREPARED to take the case to
trial.<span style="mso-spacerun: yes;"> </span>Bank lawyers remember the
small handful of foreclosure defense firms like ours the regularly beat them at
trial.<span style="mso-spacerun: yes;"> </span></div>
Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com0Satellite Beach, FL 32937, USA28.179854 -80.59383300000001828.0678745 -80.755194500000016 28.2918335 -80.43247150000002tag:blogger.com,1999:blog-3554309516667363009.post-29980292189206007982015-05-09T10:38:00.000-04:002015-05-09T11:02:01.137-04:00Firms Wins Foreclosure Trial for Brevard Legal Aid<div class="MsoNormal" style="text-align: justify;">
Yesterday, I went to trial for a
client referred to our firm by<span style="color: #990000;"> <a href="http://www.brevardcountylegalaid.org/" target="_blank">Brevard Legal Aid.</a> </span> Since the client came do us from legal aid,
he hired our firm on a "pure contingency fee" basis which means if we
did not win his case we would not get paid at all and if we won we would seek a
court ordered fee to be paid by the losing bank. </div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgWHGer1HI6p3Ct-3Jx-itpFkzQIZECTCPJAxKkhHxXmaFoio-pBwhfZ9XKcv81BbfgZqJXn6S8ZfPo0bGiqeYMBfxKlxyu4nyvzUsG82Bc2hWH5uZhDK-EAVdCsGsmylNjSChityL_Mnw/s1600/RED1412040171_large.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgWHGer1HI6p3Ct-3Jx-itpFkzQIZECTCPJAxKkhHxXmaFoio-pBwhfZ9XKcv81BbfgZqJXn6S8ZfPo0bGiqeYMBfxKlxyu4nyvzUsG82Bc2hWH5uZhDK-EAVdCsGsmylNjSChityL_Mnw/s200/RED1412040171_large.jpg" width="190" /></a></div>
Our client tried valiantly to
modify his loan with Bank of America.
When his income began to falter in the great recession, Bank of America
put him in a temporary forbearance plan in which he was to make a modified
payment of slightly under $500.00 per month.
The plan was supposed to last up to three months. During this time he was supposed to be
evaluated for a permanent loan modification.
The three months of forbearance turned into 24 months in limbo, and
during this period the client sent Bank of America a check <span style="color: #20124d;">every </span>month.
According to the client he sent Bank of America every document they asked
for. Then in the twenty fifth month,
they sent his check back and refused to accept his payments. At trial, I put the client on the stand, and
put copies of all twenty four checks into evidence. It
appeared that Bank of America never said Yes or No and rather than make up
their mind they just elected to stop taking his payments. Bank of America waited years from the time they
stopped taking his payments to file a foreclosure action. Along the way, the original note was lost. </div>
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At trial, the new servicer
Nationstar alleged that Bank of America lost the note. In a lost note case, the Plaintiff must show
that the entity who lost the note was entitled to enforce the note at the time
the note was lost. While Bank of America
was the original lender on the loan, Bank of America sold the loan to a
securitized trust shortly after the loan was made. An assignment of mortgage from Bank of
America to the securitized trust was executed in 2012, this showed that Bank of
America lost the right to enforce the note and mortgage in 2012. At trial documents obtained in discovery
including a bailee letter, showed that Bank of America was still in possession
of the note as late as 2013 at a time when Bank of America did not own the loan
and has assigned the right to enforce this mortgage. After the Plaintiff rested the Court found
for the Defendant that the Plaintiff Bank failed to prove an element of their
case. </div>
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Our client who was laid off from
his job, did battle with three huge financial institutions, each worth billions
of dollars, that hired enormous law firms to take his home away. <a href="http://en.wikipedia.org/wiki/Bear_Bryant" target="_blank"> Bear Bryant</a> once said <span style="color: blue; font-size: large;">"It's not the
size of the dog in the fight; it's the size of the fight in the dog." </span> We work our cases very hard, even for our
clients who don't pay us. If we can't
get you a great loan modification and if it is in your best interest we will
take your case to trial. If you want a
law firm that has your back and will defend your foreclosure with passion, come
see us. </div>
Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com01300 Florida A1A, Satellite Beach, FL 32937, USA28.1755478 -80.5908423999999852.6535133 -121.89943639999998 53.6975823 -39.282248399999986tag:blogger.com,1999:blog-3554309516667363009.post-40465031224343964212015-03-01T21:10:00.000-05:002015-03-01T21:17:09.211-05:00Richard Shuster beats Douglas Zahm, P.A., SunTrust and Seterus at Trial.Firm attorney Richard Shuster won another trial against
Douglas Zahm, P.A., a firm widely regarded as one of the toughest firms that
represents banks and loan servicers in Florida foreclosure cases. The trial was conducted in Brevard
County, Florida. This foreclosure
case was originally filed by SunTrust but after two years of litigation Seterus
replaced SunTrust as the servicer.
The Zahm firm knew that our firm was not one to surrender. Since our firm beat the Zahm firm in
another trial in late 2014, they took an additional precaution of bringing two
witnesses to trial, one from the new servicer Seterus (who traveled from
Oregon) and another witness from SunTrust.<br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZWuWuXjOd_-QmT1_EXdwMxJCyYadT2wcQoUxYEOtdbJY4xCFMSoABZhlv6ZAFJur2gJCNTF9JyS5qrxoCY01HkOe8dfFLUXSPhOUbw69E54Ppy4MwlR1Mtg9vezz3wRTXuouyjZGJ-k8/s1600/DSC_1571.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZWuWuXjOd_-QmT1_EXdwMxJCyYadT2wcQoUxYEOtdbJY4xCFMSoABZhlv6ZAFJur2gJCNTF9JyS5qrxoCY01HkOe8dfFLUXSPhOUbw69E54Ppy4MwlR1Mtg9vezz3wRTXuouyjZGJ-k8/s1600/DSC_1571.jpg" height="320" width="277" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Firm attorney Richard Shuster</td></tr>
</tbody></table>
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Our firm won the case on two separate issues: First because the original note had an
endorsement that was not contained on the copy of the note attached to the
complaint the Court sustained our objection to the original note being admitted
into evidence. The Court also
agreed that the notice of default sent by SunTrust was legally inadequate and
did not comply with paragraph 22 of the mortgage. After the Plaintiff put on their case at trial and rested,
firm attorney Shuster moved for involuntary dismissal, which the Court
granted. </div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhafIlJ5FXBGXclQVluLsA8Zqq6hAKLw3pbKr02Nks_wFYyQodD55zqNAOEZOg6XGAemInHhIFCemYHNviY5tV1Eyc9TPFSInH4FWP8C-V8vjZv0607PHkJtgk5SesbmIYSsDLmkmxKh08/s1600/Redacted_Feb2015_TrialWin+E+J.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhafIlJ5FXBGXclQVluLsA8Zqq6hAKLw3pbKr02Nks_wFYyQodD55zqNAOEZOg6XGAemInHhIFCemYHNviY5tV1Eyc9TPFSInH4FWP8C-V8vjZv0607PHkJtgk5SesbmIYSsDLmkmxKh08/s1600/Redacted_Feb2015_TrialWin+E+J.jpg" height="234" width="320" /></a></div>
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Our clients in this matter are a Space Coast family with
school age kids that suffered the loss of a good job due to disability.<span style="mso-spacerun: yes;"> </span>Our client’s household income
after the job loss, is less than half the amount necessary to qualify for loan
modification.<span style="mso-spacerun: yes;"> </span>Had our firm lost
the trial our clients were at risk of being homeless.<span style="mso-spacerun: yes;"> </span>As with every trial, our firm was All In.<span style="mso-spacerun: yes;"> </span>We conducted extensive discovery,
deposed the corporate representative who testified at trial, and searched high
and low to find weaknesses in the bank’s case.<span style="mso-spacerun: yes;"> </span>The night before the trial, our client got an E-mail, just a
few minutes before midnight to let him know his lawyer was finally going home
and was ready.<span style="mso-spacerun: yes;"> </span>Thankfully our
efforts paid off. </div>
Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com01300 North SR-A1A, Satellite Beach, FL 32937, USA28.1755478 -80.5908423999999850.35881230000000031 -121.89943639999998 55.9922833 -39.282248399999986tag:blogger.com,1999:blog-3554309516667363009.post-49947635639528286452015-02-01T22:01:00.002-05:002015-02-01T22:28:57.694-05:00Firm Sues Wells Fargo For Breach Of Settlement Agreement And Failure To Pay Agreed Cash For Keys<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7fkLRJk6ZwiUrf6ceskGAMFo7fvBhZwb2m9fb59Yqwn9ovJvbOTUci17nuMitWXs6oX2QoKFVvDZn3Vdlu3m70uL2ueE3LMGRiZWHRfEefI0YygiOc86x3_c4dFtmLBDmYDcDPgN8yTU/s1600/RED1412040226_large.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7fkLRJk6ZwiUrf6ceskGAMFo7fvBhZwb2m9fb59Yqwn9ovJvbOTUci17nuMitWXs6oX2QoKFVvDZn3Vdlu3m70uL2ueE3LMGRiZWHRfEefI0YygiOc86x3_c4dFtmLBDmYDcDPgN8yTU/s1600/RED1412040226_large.jpg" height="213" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Firm Attorneys Purvi Patel and Richard Shuster are suing Wells Fargo again.</td></tr>
</tbody></table>
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After keeping our disabled client his home for nearly four
years, after Wells Fargo filed a foreclosure action against him, we reached a
settlement to resolve his foreclosure case. Our client, due to his disability, was not a viable candidate
for a loan modification and Wells Fargo had a very strong case. As such, when we conveyed Wells Fargo’s
settlement offer to the client of a waiver of deficiency, 120 day sale date,
and $3,500.00 cash-for-keys, it was clear that the settlement was in the
client’s best interest. After the
client instructed us to accept the offer, we executed the settlement documents
which were then counter-signed by Wells Fargo’s law firm, Ronald Wolfe and Associates, and
filed with the Court. Our client
did his part by moving out of his home shortly before the sale date and leaving
the property in good condition. We
waited patiently for the check to arrive, then some two months later started
with polite reminders by E-mail and phone. Several more months past, and the bank’s lawyers assured us
that the matter was being “escalated” and that we would have a check in a few
weeks. After the bank’s lawyer’s
pants caught fire we knew we had to do something.<br />
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Our first line of attack was to file a motion for sanctions
to enforce the settlement agreement.
We wanted the foreclosure judge to see the nearly ten pages of E-mails
requesting payment and the multiple broken promises from Wells Fargo and and their lawyers. When we filed the motion for sanctions the bank’s lawyers shot back an E-mail asserting that the Court has lost
jurisdiction because it had been more than thirty days since final judgment of
foreclosure had been entered.
Rather than debate that point we simply filed a new lawsuit against
Wells Fargo to collect the $3,500.00 of cash for keys together with interest
and attorney’s fees. To see a redacted copy of the <a href="https://thetruthaboutloanmodification.files.wordpress.com/2015/02/cash4keys_compliant_redacted.pdf" target="_blank">law suit we filed and many of the E-mails we sent click here</a>.
Our new case is in County Court where judges only deal with civil cases
involving disputes of less than $15,000.00. Three thousand dollars might not be a bid deal to Wells
Fargo but it is a big deal to a disabled veteran. </div>
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We realize that banks and loan servicers often fail to pay cash-for-keys in a timely manner.
We have had many cases where it took numerous calls and e-mails to
obtain cash for keys checks and many more where we had to file a motion to
enforce the settlement agreement in order to get our clients paid. We regularly hear complaints about this
from other foreclosure defenses lawyers and from Pro Se litigants. So we are
going to do something about it.</div>
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Starting today, our firm will sue banks and loan servicers
that breach cash-for-keys agreements even if we did not handle the underlying
foreclosure case.<span style="mso-spacerun: yes;"> </span>Since our
firm has offices in <a href="https://www.google.com/maps/place/4770+Biscayne+Blvd+%231030,+Miami,+FL+33137/@25.8188126,-80.1884989,17z/data=!3m1!4b1!4m2!3m1!1s0x88d9b15891ab5925:0x425ab3d084645fa8?hl=en" target="_blank">Miami</a>, Fort Lauderdale, <a href="https://www.google.com/maps/place/1300+A1A,+Satellite+Beach,+FL+32937/@28.1755478,-80.5908424,17z/data=!3m1!4b1!4m2!3m1!1s0x88de1a885ea69b5b:0xb9088551eeec546f?hl=en" target="_blank">Satellite Beach</a>, <a href="https://www.google.com/maps/place/2210+Central+Ave+%23300,+St+Petersburg,+FL+33712/@27.770775,-82.663377,17z/data=!3m1!4b1!4m2!3m1!1s0x88c2e2315c4da65b:0x84f54e49ddda8b9d" target="_blank">St. Petersbur</a>g and
<a href="https://www.google.com/maps/place/10245+Centurion+Pkwy,+Jacksonville,+FL+32256/@30.23886,-81.5429951,17z/data=!3m1!4b1!4m2!3m1!1s0x88e5ca91356de4a9:0xf166e6f15846d41c?hl=en" target="_blank">Jacksonville</a> we can handle such cases in most Florida counties. We will accept
such cases on a pure contingency fee basis, where the only fee we receive is a
bank paid fee as ordered by the Court.<span style="mso-spacerun: yes;">
</span>Under such a retainer the client will still receive 100% of their agreed
cash for keys settlement.<span style="mso-spacerun: yes;"> </span>We will
also accept referrals from other foreclosure lawyers who don’t enjoy suing
banks as much as we do. </div>
Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com01300 North SR-A1A, Satellite Beach, FL 32937, USA28.1755478 -80.5908423999999850.35279729999999887 -121.89943639999998 55.9982983 -39.282248399999986tag:blogger.com,1999:blog-3554309516667363009.post-58226628886471054732015-01-30T01:09:00.000-05:002015-01-30T09:18:49.725-05:00Firm Sues Mortgage Contracting Services, LLC and JP Morgan Chase for Trespass, Breaking & Entering, and Theft.<div class="MsoNormal">
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Imagine that you left for a trip to visit your child who attends college across the state. Imagine that when you returned home, your were locked out of your own home, and found that your lender had broke into your home, changed your locks, and disconnected your water and applicances. This is what was reported to our firm by a <st1:city w:st="on">Palm Bay</st1:city>, <st1:state w:st="on">Florida</st1:state> resident who returned
from a trip to F.S.U., to find her home had
been "winterized" by <span style="color: blue;"><a href="http://www.mcs360.com/" target="_blank">Mortgage Contracting Services</a></span>. The
homeowner also reported that valuables such as a flat screen television,
jewelry, S.D. Cards with the family's digital pictures, and musical instruments had been taken. The homeowner reported the incident to the <st1:city w:st="on">Palm Bay</st1:city> police
department who is investigating the theft.</div>
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The homeowner was only a few weeks behind on her mortgage
with <a href="https://www.chase.com/" target="_blank">JP Morgan Chase</a>. No foreclosure
action had even been filed when a field service contractor entered the home on
Chase's behalf. In almost all mortgages, including the mortgage
of this homeowner, is a clause that allows the lender or loan servicer to enter
the property if the property is abandoned (or appears abandoned) for purposes
of preserving and protecting the property.
The homeowner asserts that no reasonable person would think her property
was abandoned since her lawn was regularly mowed, her mail was picked up, and
her possessions were still in the home. </div>
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The homeowner consulted with a prominent board-certified civil
trial lawyer in <st1:place w:st="on"><st1:city w:st="on">Melbourne</st1:city>, <st1:state w:st="on">Florida</st1:state></st1:place> who was familiar with our firm's
track record of successfully suing lenders, loan services, and field service
companies for wrongfully breaking into consumers' homes. That lawyer referred the
homeowner to Shuster & Saben's Space Coast office. Firm attorney, <a href="http://www.avvo.com/attorneys/32937-fl-richard-shuster-1239573.html" target="_blank">Richard Shuster</a>, filed suit
against the loan servicer, JP Morgan Chase and the vendor it hired, Mortgage
Contracting Services, LLC, in <a href="http://brevardclerk.us/" target="_blank">Brevard County, Circuit Court</a>. The suit was filed less than two weeks after
the homeowner first consulted with the firm.
To review a <a href="https://thetruthaboutloanmodification.files.wordpress.com/2015/01/j-v-jp-morgan.pdf" target="_blank">redacted copy of the complaint click here</a>.</div>
Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com0Palm Bay, FL 32907, USA28.0181548 -80.68817179999996427.9060123 -80.849533299999962 28.130297300000002 -80.526810299999966tag:blogger.com,1999:blog-3554309516667363009.post-62213191907706518152014-10-29T10:03:00.000-04:002014-10-29T10:08:35.758-04:00$20,000 Cash for Keys – Deed In Lieu with Nationstar <div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiiaqNJxy_zD2-inFViLMyvwKtxCeTDULvXgv30CXPlHfN7n2SQA71muGWXLLzv27Xcv5QKFsw-SYPFeaGqGLzULok74GLEPfzN4OhWSHvm9k-tpUAXOaK02jZxjoPzYogkW626EHFovmA/s1600/NationstarLogo.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiiaqNJxy_zD2-inFViLMyvwKtxCeTDULvXgv30CXPlHfN7n2SQA71muGWXLLzv27Xcv5QKFsw-SYPFeaGqGLzULok74GLEPfzN4OhWSHvm9k-tpUAXOaK02jZxjoPzYogkW626EHFovmA/s1600/NationstarLogo.jpg" height="128" width="320" /></a></div>
<br />
Our client told us on day one, we do not want to keep the
house, it has mold. We already
moved out. We have already bought
another home. We want to give the
house back and avoid personal liability because we are well over $100,000.00
upside down. The first week we had
the case we wrote the bank’s lawyers and offered them a deed in lieu of
foreclosure if the bank would waive the deficiency. Our offer was refused.
When the bank changed law firms we asked their new law firm if they
would agree to a waiver of deficiency.
Again our request fell on deaf ears. When the bank changed loan servicers, we again approached
counsel about a waiver of deficiency and were told that a waiver of deficiency
would not be approved because of a lien held by the second mortgage
holder. I then reached out to Bank
of America who held the second mortgage and obtained a satisfaction of mortgage
from Bank of America who realized their position was completely underwater and
therefore worthless.<br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinCb7u6yA90x1bi0qGEk677sKj-N_7vTMVjxJ1jp1Vb6NQuUQZ24sOUkSlR9jatzKWah7XdEprEnOLMtYCAUG-yUuQzcBT06GveNC4O0NYBNiD2lRKOgIBO1ss8WMnplLcumLSEL4v7l0/s1600/20kexcerptJPEG.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinCb7u6yA90x1bi0qGEk677sKj-N_7vTMVjxJ1jp1Vb6NQuUQZ24sOUkSlR9jatzKWah7XdEprEnOLMtYCAUG-yUuQzcBT06GveNC4O0NYBNiD2lRKOgIBO1ss8WMnplLcumLSEL4v7l0/s1600/20kexcerptJPEG.jpg" height="76" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Excerpt of Actual Cash For Keys Agreement</td></tr>
</tbody></table>
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After the second mortgage was satisfied we again reached out
the <a href="https://www.nationstarmtg.com/" target="_blank">Nationstar</a> but were unable to obtain a waiver of deficiency. With the case heading to trial, I
changed our plan. We are going to
take this case to trial and beat you, is what I told Nationstar’s counsel. Our firm had won other cases against
Nationstar’s counsel based on problems with notices of default sent by a prior
servicer. Nationstar’s counsel
knew that they had a real possibility of losing and requested the judge to
refer the parties to mediation.
Prior to mediation a settlement was reached. Since the settlement did not have a confidentiality
agreement I can tell you about it.
Nationstar agreed to waive the deficiency and pay our client $20,000.00
cash for keys a new cash for keys record for our firm. Great results like this one do
not happen by accident. Great
results happen when banks know that a homeowner has retained one of the small
fraction of foreclosure defense lawyers who regularly take cases to trial. To see the <a href="https://thetruthaboutloanmodification.files.wordpress.com/2014/10/redacted_20k_cash4keys.pdf" target="_blank">entire cash for keys agreement in redacted form click here</a>. </div>
Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com01300 Florida A1A, Satellite Beach, FL 32937, USA28.1759367 -80.590424628.1758822 -80.5905036 28.175991200000002 -80.5903456tag:blogger.com,1999:blog-3554309516667363009.post-64391895518872435882014-10-10T14:26:00.003-04:002014-10-10T14:26:46.421-04:00Watch Me In Trial In Brevard County - Friday October 10, 2014Homeowners who want to see just about every foreclosure defense lawyer in Brevard County in action should come to Courtroom 2A of the Brevard County Courthouse today, Friday, October 10, 2014. It is game day. The Court will have about 40 cases set for trial on the morning docket and another 30 trials in the afternoon. I have one case set on the 9:00 a.m. docket and another special set for 2:30 p.m. docket. Please come watch me. Hopefully, I will keep our near perfect 2014 trial record intact ( I have lost one trial so far in 2014). If I do not I will go down swinging and with the record well preserved should our client wish to to appeal. What I will not do is consent or surrender.<br />
<br />
If you are wondering how the Court can conduct forty trials between 9:00 a.m and Noon, the answer is, it can't. As you might expect the banks will win about 20 of the cases when nobody shows up. What you probably would not expect, and something that is worth coming to Court to see, is that most lawyers who call themselves "foreclosure defense lawyers" will not try cases. Even among the clients that have lawyers, most will enter a consent judgment wherein the lawyer surrenders in exchange for the homeowner getting 120 more days in the home and perhaps a waiver of deficiency. If the bank's case is perfect and the homeowner has no change of winning, consenting to judgment is not a bad thing to do. Unfortunately, there are lawyers who NEVER take foreclosure cases to trial. Some lawyers simply do not know how to take cases to trial. Some lawyers are simply to afraid to take a case to trial. Perhaps some lawyers don't want to do the hard work of getting a case ready for trial. To me watching one lawyer after another surrender just makes me nauseous.<br />
<br />
Thankfully in our cases the bank's cases are not perfect. Hopefully we will prevail. In both cases we have defended our clients for more than for years. We are ready. It is time for battle. Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com1tag:blogger.com,1999:blog-3554309516667363009.post-29886873332635521562014-10-02T22:09:00.001-04:002014-10-02T22:18:00.312-04:00Why you can’t get a Loan Modification from Flagstar<!--[if gte mso 9]><xml>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6i1wPT8f_YW3mT8wH9S4KS4SunNQy07HkacGyIOUnZKMGbyXLvM4VhjpU86makMRzyzKwrdJ7aQP7dF645oSjlCAE372YbNjriREp-YW901b2WEBzyqL_w7z9bDBJzm7hyphenhyphenh66Rpkdn0M/s1600/Flagstar-logo.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6i1wPT8f_YW3mT8wH9S4KS4SunNQy07HkacGyIOUnZKMGbyXLvM4VhjpU86makMRzyzKwrdJ7aQP7dF645oSjlCAE372YbNjriREp-YW901b2WEBzyqL_w7z9bDBJzm7hyphenhyphenh66Rpkdn0M/s1600/Flagstar-logo.png" height="100" width="200" /></a></div>
<div class="MsoNormal">
<span style="font-family: Georgia,"Times New Roman",serif;"><span style="font-size: small;">If you couldn’t get a loan modification from Flagstar you
are not alone. Flagstar is a big
bank. Their website and filing with the
Securities Exchange Commission, says that that have nearly 10 Billion dollars
of assets and are one of the top ten savings banks in the United States.</span></span></div>
<div class="MsoNormal">
<span style="font-family: Georgia,"Times New Roman",serif;"><span style="font-size: small;">In September the Consumer Financial Protection Bureau (CFPB)
fined Flagstar Ten Million Dollars for failing to property modify home
mortgages serviced by Flagstar. How bad
were things at Flagstar. At Flagstar
they had 13,000 files in which a homeowner had applied for loan
modification. Those 13,000 files were
assigned to just 25 staff members. That
is more than 500 files per staffer. </span></span></div>
<div class="MsoNormal">
<span style="font-family: Georgia,"Times New Roman",serif;"><span style="font-size: small;">Flagstar was also cited for:</span></span></div>
<ul>
<li><span style="font-size: large;"><span style="line-height: 115%;">25 Minute
Average Hold Time</span></span></li>
<li><span style="font-size: large;"><span style="line-height: 115%;">50% Call
Abandonment</span>. </span>( Call where
Flagstar hung up on the borrower, the borrower got lost in a maze of voice
prompts, or the borrower just gave up trying to reach a human). </li>
<li><span style="font-size: large;"><span style="line-height: 115%;">Failure to
Alert Borrowers of Incomplete Applications.</span></span></li>
<li><span style="font-size: large;"><span style="line-height: 115%;">Failure to
timely convert trial modifications to permanent modifications</span>.</span></li>
</ul>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGYttrmifK7UMemURLPmBd6qYqyOuFjrAOJDxb8AOi0ahBgZpRD7vp3Uhv16UrFIqX1zfAzlM-QJg5hHX4BdveGmVjY4J7fSBKq8Bf6RQ7BqpDQSkWq9oD5sfa68GJCzshsw_vGbON3Mw/s1600/CFPB.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGYttrmifK7UMemURLPmBd6qYqyOuFjrAOJDxb8AOi0ahBgZpRD7vp3Uhv16UrFIqX1zfAzlM-QJg5hHX4BdveGmVjY4J7fSBKq8Bf6RQ7BqpDQSkWq9oD5sfa68GJCzshsw_vGbON3Mw/s1600/CFPB.jpg" height="137" width="200" /></a></div>
<div class="MsoNormal">
<span style="font-family: Georgia,"Times New Roman",serif;"><span style="font-size: small;">Flagstar has agreed to not only pay a ten million dollar
fine they will pay twenty-seven million dollars of restitution to loan
modification victims. For complete
details from the <a href="http://www.consumerfinance.gov/newsroom/cfpb-takes-action-against-flagstar-bank-for-violating-new-mortgage-servicing-rules/" target="_blank">CFPB website click here</a>.</span></span></div>
<span style="font-family: Georgia,"Times New Roman",serif;"><span style="font-size: small;">
<span style="line-height: 115%;"> </span></span></span><br />
<span style="font-family: Georgia,"Times New Roman",serif;"><span style="font-size: small;"><span style="line-height: 115%;">If you live in Florida and Flagstar failed to
respond to your loss mitigation package submitted after January 1, 2014,
Shuster & Saben, LLC is available to file suit on your behalf against
Flagstar on a pure contingence fee basis.
Our firm not only defends homeowners in foreclosure, we regularly sue
banks, loan servicers, and bill collectors for violating consumer protection
laws. </span></span></span>Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com0Palm Bay, FL, USA28.0344621 -80.58866460000001627.8101146 -80.911388100000011 28.2588096 -80.26594110000002tag:blogger.com,1999:blog-3554309516667363009.post-30463349102278592002014-09-24T10:25:00.001-04:002014-09-24T10:25:32.335-04:00Twisting Bank of America’s Arm to Modify Client’s Mortgage<!--[if gte mso 9]><xml>
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Bank of America turned down our Satellite Beach client for
loan modification at least thee times between 2010 and 2014.<span style="mso-spacerun: yes;"> </span>The client was turned down when he first
applied for loan modification before a foreclosure action was filed against
him.<span style="mso-spacerun: yes;"> </span>We obtained dismissal of the first
foreclosure lawsuit filed against the client by Bank of America and collected a
substantial amount of attorney’s fees from Bank of America following the
dismissal of the first case.<span style="mso-spacerun: yes;"> </span>From the
attorney fee recovery we were able to refund to the client a substantial
portion of the attorney’s fees he previously paid our firm.</div>
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<a href="https://thetruthaboutloanmodification.files.wordpress.com/2014/09/redacted_bofa_mod.pdf" target="_blank"><img alt="https://thetruthaboutloanmodification.files.wordpress.com/2014/09/redacted_bofa_mod.pdf" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6rb3uolhjCvN9Ny1e_ft709RG0jQyQqo3aAHnspqFn3imMvtbbTkqZWVu6xxqTzNUoDlcv6UJOZnr2riQ71AkIMJy8RwctmZz7B-kxBwZR-HneRTJRrYwwUI78MhDg5Lt9Lx-K9Xo3_M/s1600/bank_of_america_logo_medium.jpg" /></a></div>
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In 2012 Bank of America (BofA) filed a second foreclosure
case against our client and he once again retained our firm to defend the
case.<span style="mso-spacerun: yes;"> </span>We helped the client submit a
second loan modification package and again the request for modification was
denied.<span style="mso-spacerun: yes;"> </span>In 2014 we received a letter from
Bank of America indicating that our client might be eligible for loan
modification of the mortgage on his family’s Space Coast home.<span style="mso-spacerun: yes;"> </span>Once again the client gathered and I reviewed
and personally submitted a complete loss mitigation packing include a Uniform
Borrower Assistance Form (Form 710), pay-stubs, bank statements, profit and loss
statements for the client’s self-employment income, tax returns, utility bills
and other documents requested by Bank of America.<span style="mso-spacerun: yes;"> </span>The client was once again turned down.<span style="mso-spacerun: yes;"> </span>The client had now been turned down for just
about every reason imaginable including an incomplete package (from before he
retained counsel), to little income, to much income and to many missed
payments. </div>
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The client’s second case was eventually set for trial.<span style="mso-spacerun: yes;"> </span>I prepared his case for trial hoping to beat
Bank of America a second time but the on the date of trial there were over 40
cases before the client’s on the docket and the case did not get reached.<span style="mso-spacerun: yes;"> </span>In June of 2014, I won a trial against Bank
of America for another Brevard County foreclosure client.<span style="mso-spacerun: yes;"> </span>In that case the Court found that Bank of
America’s notice of default did not comply with paragraph 22 of the mortgage. </div>
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In August of 2014, I took the deposition of Bank of
America’s corporate representative at our Satellite Beach office.<span style="mso-spacerun: yes;"> </span>After the deposition I showed the corporate
representative the final judgment from the case we won against BofA in June and
showed the representative that in both this case and the case we won in June
BofA used nearly identical language on the notice of default. </div>
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I explained to the corporate representative and BofA’s
attorney that what our client wanted was not to obtain a second dismissal only
to be sued by Bank of America a third time.<span style="mso-spacerun: yes;">
</span>What our client wanted was a great loan modification that would allow
them to keep the only home their children has ever known.<span style="mso-spacerun: yes;"> </span></div>
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Since the loan was serviced by Bank of America but owned by
Freddie Mac, U.S. Treasury rules that prohibit Freddic Mac from reducing
principal limited the range of options available for loan modification.</div>
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I explained to Bank of America that what our client wanted
was a <a href="https://www.youtube.com/watch?feature=player_detailpage&v=dU-EU2JM5SU" target="_blank">Streamlined HAMP</a>.<span style="mso-spacerun: yes;"> </span>I requested that
Bank of America put the underwater portion of the client’s loan in a
non-interest bearing balloon so that our client would only have to pay interest
on the actual value of the home.<span style="mso-spacerun: yes;"> </span></div>
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Without the submission of any additional documents, Bank of
America agreed to modify the loan.<span style="mso-spacerun: yes;">
</span>Apparently they did so using the very same paystubs and bank statements
from the previously rejected loss mitigation package. </div>
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On August 30, 2014, Bank of America gave us what we asked
for.<span style="mso-spacerun: yes;"> </span>The client was offered and accepted
a loan modification offer that put $176,000 of the client’s loan balance into a
non-interest bearing balloon.<span style="mso-spacerun: yes;"> </span>The client
would now pay interest on the remaining $195,413 of his loan balance.<span style="mso-spacerun: yes;"> </span>This brought the client’s payment for
principal and interest down to $816.72 and with escrows of $746.54 the client’s
total monthly payment will be $1,563.26.<span style="mso-spacerun: yes;">
</span>The client’s new mortgage payment is at or below the cost to rent a
similar home. Most importantly the new payment is a one that our client can
afford for the long term and will keep the family in their home.<span style="mso-spacerun: yes;"> </span></div>
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To review the <a href="https://thetruthaboutloanmodification.files.wordpress.com/2014/09/redacted_bofa_mod.pdf" target="_blank">redacted loan modification package click here</a>.
</div>
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About <a href="http://www.attorneyforeclosuredefense.com/" target="_blank">Shuster & Saben, LLC</a>:<span style="mso-spacerun: yes;"> </span>At Shuster & Saben, our files and clients
get individualized attention.<span style="mso-spacerun: yes;"> </span>Bank
lawyers know that our firm is ready, willing and able to take foreclosure cases
to trial.<span style="mso-spacerun: yes;"> </span>Most Florida foreclosure firms
that represent banks have lost a few cases to our firm.<span style="mso-spacerun: yes;"> </span>If our client’s objective is loan
modification or deed in lieu of foreclosure we let opposing counsel know this
early and often and stay focused on our clients achieving our objectives.<span style="mso-spacerun: yes;"> </span></div>
Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com01300 Florida A1A, Satellite Beach, FL 32937, USA28.1759367 -80.590424628.1758822 -80.5905036 28.175991200000002 -80.5903456tag:blogger.com,1999:blog-3554309516667363009.post-8861419269657027352014-09-19T20:23:00.001-04:002014-09-19T20:27:09.433-04:00Largest Principal Reduction In Firm History!<style>
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<span style="color: blue;"><span style="font-size: large;">Old Loan Balance: $1,310,000</span></span></div>
<div class="MsoNormal">
<span style="color: blue;"><span style="font-size: large;">New Loan Balance: $ 755,000</span></span></div>
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<br /></div>
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Firm attorney Richard Shuster has obtained the largest
principal reduction in firm history and a loan modification that is likely the
largest principal reduction on any Brevard County residential property.<span style="mso-spacerun: yes;"> </span>After our client made no mortgage payments for
over five years on an oceanfront property in Melbourne Beach the homeowner’s
unpaid loan balance reached 1.3 million dollars.<span style="mso-spacerun: yes;"> </span>As a result of a principal reduction loan
modification agreement our client’s new loan balance has been reduced to
$755,000.00.<span style="mso-spacerun: yes;"> </span>Our client’s loan balance
was reduced by over $555,000.00.<span style="mso-spacerun: yes;"> </span>The
client’s interest rate was reduced from nearly 8% to 4.1%. </div>
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<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6pmk8EYeCZdZIkbGb9VK4NowDeYXV8FuSlnvuwkadMetqfV-ko7mc394y7g5h9Q_0YCHdhs0j57AZ53AqlAn9_Yi5RxT2xb9Gc6CBbcKZ3Z5hsF4-58VwG2ZKWC9yfCrE8y6ZAe8VMNE/s1600/Gmail_Loan_Mod.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6pmk8EYeCZdZIkbGb9VK4NowDeYXV8FuSlnvuwkadMetqfV-ko7mc394y7g5h9Q_0YCHdhs0j57AZ53AqlAn9_Yi5RxT2xb9Gc6CBbcKZ3Z5hsF4-58VwG2ZKWC9yfCrE8y6ZAe8VMNE/s1600/Gmail_Loan_Mod.jpg" height="200" width="400" /></a></div>
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Shuster & Saben, LLC defended the homeowner in this
matter since 2010.<span style="mso-spacerun: yes;"> </span>One week before a
scheduled trial in the client’s foreclosure case, the loan servicer, Ocwen
advised it wanted a complete financial package from our clients.<span style="mso-spacerun: yes;"> </span>The client’s business suffered greatly during
the 2008-2011 recession bus has since had a substantial recovery.<span style="mso-spacerun: yes;"> </span>The clients did not want to provide the loan
servicer with complete financials as they were worried that they might make to
much to qualify.<span style="mso-spacerun: yes;"> </span></div>
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<br /></div>
<div class="MsoNormal">
Fortunately, the firm had fully prepared the case for trial
and was ready, willing and able to take the case to trial.<span style="mso-spacerun: yes;"> </span>One month earlier, attorney Richard Shuster,
defeated the same Plaintiff<span style="mso-spacerun: yes;"> </span>(Deutsche
Bank), the same servicer (Ocwen), and same law firm (Clarfied Okon) in a nearly
identical case.<span style="mso-spacerun: yes;"> </span>During negotiations, the
loan servicer and their counsel were reminded that if the case went to trial
they would probably lose this case in the same fashion that our firm defeated
them the month before.<span style="mso-spacerun: yes;"> </span></div>
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Three days before the trial, the bank’s lawyers asked for a
continuance to allow more time to evaluate our client for loan
modification.<span style="mso-spacerun: yes;"> </span>Shuster’s response was
rather blunt: “Give our client a loan modification that they love or we are
going to trial.”<span style="mso-spacerun: yes;"> </span>On the day before trial
bank counsel advised by E-mail that our client, without submission of any
financial documentation had been approved for a principal reduction loan
modification.<span style="mso-spacerun: yes;"> </span></div>
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A great personal injury lawyer once said that if you prepare
a case for trial, you may end up with a great settlement when the insurance
company knows that you are ready, willing, and able to take the case to
trial.<span style="mso-spacerun: yes;"> </span>The settlement offers are even
bigger when the insurance company or its lawyers are scared to go to trial
against a prepared, experienced, trial advocate.<span style="mso-spacerun: yes;"> </span>We have found this same principle usually
applies in foreclosure cases. To see the <a href="http://thetruthaboutloanmodification.files.wordpress.com/2014/09/redacted_ocwen_loan_mod_15sept2014.pdf" target="_blank">final loan modification agreement click here</a>. </div>
Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com0Melbourne Beach, FL 32951, USA27.9541342 -80.51606079999999127.7297442 -80.838784299999986 28.1785242 -80.1933373tag:blogger.com,1999:blog-3554309516667363009.post-45079158825302885202014-06-10T05:11:00.001-04:002014-07-06T07:29:12.303-04:00Firm Defeats Bank In Less Than 4 Months<style>
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In February of 2014 a Space Coast homeowner came to our
office with a nearly five year old foreclosure case.<span style="mso-spacerun: yes;"> </span>The family had a dark cloud of uncertainty
hanging over their heads since a foreclosure action was filed against them in
March of 2009.<span style="mso-spacerun: yes;"> </span>For part of the that time
they had another lawyer who was not an expert in foreclosure and for part of
that time they had no lawyer at all.<span style="mso-spacerun: yes;"> </span>Now
their case was about to have a Case Management Conference (CMC) which would be
followed by a trial.<span style="mso-spacerun: yes;"> </span>They knew that
without professional help they would soon lose their home.</div>
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<br /></div>
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At our initial consultation, they brought a thick notebook
of documents.<span style="mso-spacerun: yes;"> </span>After looking through
every page I looked up with an ear-to-ear grin.<span style="mso-spacerun: yes;">
</span>“Why are you smiling?” they asked.<span style="mso-spacerun: yes;">
</span>“I am smiling because we are going to win your case.”<span style="mso-spacerun: yes;"> </span>In their file was the letter the bank sent
them which did not comply with paragraph 22 of the homeowner’s mortgage.<span style="mso-spacerun: yes;"> </span>I told them right away what the proposed
litigation plan would be if they hired our firm.<span style="mso-spacerun: yes;"> </span>“Here is what we are going to do.<span style="mso-spacerun: yes;"> </span>We will file a notice of appearance and an
amended answer to replace your old answer right away.<span style="mso-spacerun: yes;"> </span>We will them wait for your case to be over
five years old such that if we win, you can reassert a statute of limitations
defense if the bank attempts to file a new lawsuit.<span style="mso-spacerun: yes;"> </span>We will then move for summary judgment and
win your case.”<span style="mso-spacerun: yes;"> </span>I told them, “Hopefully
in six months this will all be over.”<span style="mso-spacerun: yes;">
</span>Less than four months later, I called them from the parking lot of the
courthouse to tell them we just won your case.<span style="mso-spacerun: yes;">
</span>I love making calls like that. </div>
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<br /></div>
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If you are wondering how we won the case let me share with
you some of the details.<span style="mso-spacerun: yes;"> </span>Paragraph 22 of
most residential mortgages spells out that when the homeowner<span style="mso-spacerun: yes;"> </span>misses mortgage payment before the bank can
accelerate the debt and file a foreclosure action they have to send the
homeowner a special letter called a notice of default.<span style="mso-spacerun: yes;"> </span>In Florida paragraph 22 of the mortgage
requires the bank to give the borrower 30 days notice before filing suit,
inform the borrower that the borrower can reinstate the loan while the foreclosure is pending, and that the borrower can assert defenses in the foreclosure case.<span style="mso-spacerun: yes;"> </span>The notice sent to our client by FNBN I, the
bank we defeated, was defective because it did not properly advise the client
of the right to reinstate or the right to assert defenses in the foreclosure
case.<span style="mso-spacerun: yes;"> </span>When I told the client about these
deficiencies the client also pointed out that the bank only waited three weeks
(Not 30 days) between sending the letter and filing suit.<span style="mso-spacerun: yes;"> </span>The bank’s lawyers jumped the gun.<span style="mso-spacerun: yes;"> </span>They were overzealous.<span style="mso-spacerun: yes;"> </span>Rapper Young M.C. in the song <a href="http://www.azlyrics.com/lyrics/youngmc/bustamove.html" target="_blank">Bust A Move</a>,
said it best, “You get shot down when you’re overzealous.”<span style="mso-spacerun: yes;"> </span>NBC New Brian Williams "raps" this song below. </div>
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<br /></div>
<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/NCm2XccttBQ?feature=player_embedded' frameborder='0'></iframe><br />
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On May 30, 2014, I got to shoot down the bank’s
case by obtaining final summary judgment for the homeowner.<span style="mso-spacerun: yes;"> </span><a href="http://thetruthaboutloanmodification.files.wordpress.com/2014/06/redactedmsjwin30may2014.pdf" target="_blank">To see a redacted copy of the order clickhere</a>.<span style="mso-spacerun: yes;"> </span>Our firm has filed a motion for
attorney’s fees against the bank and will look forward to recovering attorney’s
fees to put money back in our client’s pocket.<span style="mso-spacerun: yes;"> </span></div>
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<div class="MsoNormal">
<span style="mso-spacerun: yes;">About Shuster & Saben: Shuster & Saben is a twelve lawyer litigation firm with offices in Satellite Beach, Miami, Fort Lauderdale, St. Petersburg, and Jacksonville. We like warm hugs, huge principal reductions and beatings banks at summary judgment and trial. </span></div>
Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com01300 Florida A1A, Satellite Beach, FL 32937, USA28.1759367 -80.590424628.1758822 -80.5905036 28.175991200000002 -80.5903456tag:blogger.com,1999:blog-3554309516667363009.post-39061053419807132332014-06-06T10:26:00.000-04:002014-06-06T10:31:52.653-04:00Firm Wins Another Brevard Foreclosure Trial <!--[if gte mso 9]><xml>
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<img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjbDelf3VbwAjrNOupBaOE_LcxdR2ejGNldoC6kdCDXSWEGEk6WO4HtihnBoBx-ArntwJxp39OOpJR3MADlTt_h3GPf9RSfwBGLKtnFWyaSWFepgm_0isaiJkKb1euXzkfDolWvGCmLw1U/s1600/ForeclosureTrialWinColJ.jpg" height="127" width="400" /></div>
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On Thursday, June 4, 2014, the Space Coast office of Shuster
& Saben had five cases set on the Brevard County Foreclosure Trial
Docket.<span style="mso-spacerun: yes;"> </span>One case settled and one
of our client’s filed bankruptcy leaving me to prepare three cases for
trial.<span style="mso-spacerun: yes;"> </span>I was up until 1:45 in the
morning making sure every case was 100% ready.<span style="mso-spacerun: yes;"> </span>Courtroom 2A was so packed with lawyers for the various
banks and homeowners that Judge Maxwell had to ask his bailiff to call the
court administrator to crank up the air.<span style="mso-spacerun: yes;">
</span></div>
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First the Court took consent judgments.<span style="mso-spacerun: yes;"> </span>In a consent judgment the homeowner, or
worse the homeowner’s lawyer, agrees to a judgment of foreclosure usually in
exchange for a 90 or 120 day sale date.<span style="mso-spacerun: yes;">
</span>Sometimes additional consideration is thrown in such as a wavier of
deficiency or cash for keys.<span style="mso-spacerun: yes;">
</span>Sometimes a consent judgment is in the client’s best interest but there
are many lawyers who hold themselves out to the world as foreclosure defense
lawyers who have never tried a foreclosure case or who have never tried a
foreclosure case and won.<span style="mso-spacerun: yes;"> </span>I
felt a little nauseous watching so many lawyers surrender their cases to the
banks.<span style="mso-spacerun: yes;"> </span>Then came a case where the
judge’s clerk announced that there was no note and mortgage in the file.<span style="mso-spacerun: yes;"> </span>The bank’s lawyer then had to present
evidence of a lost note.<span style="mso-spacerun: yes;"> </span>Now I
just felt sick.<span style="mso-spacerun: yes;"> </span>How could
that homeowner’s lawyer consent in a case where the note was lost.<span style="mso-spacerun: yes;"> </span>What a great case to defend.<span style="mso-spacerun: yes;"> </span>Apparently that lawyer <a href="http://rapgenius.com/Jay-z-99-problems-lyrics#note-17565" target="_blank">would not bust a grape in a fruit fight</a>. </div>
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After the judge took the consent cases, there were seven
quick trials where the bank lawyer and witness were present but the homeowner
(or their lawyer if they had one) did not show up.<span style="mso-spacerun: yes;"> </span>Two hours after the morning docket started the court was
ready for its first contested case.<span style="mso-spacerun: yes;">
</span>When the Judge called our case my client joined me at the defense table
and it was Game On.<span style="mso-spacerun: yes;"> </span>Bank of
America sued our client in 2009 and now nearly five years later, it was our day
in Court.</div>
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<div class="MsoNormal">
I am not a fan of a shotgun defenses where a lawyer throws a
bunch of junk at the other side hoping that something will stick.<span style="mso-spacerun: yes;"> </span>If a lawyer is armed for battle with a
knife, a squirt gun, and a shoe, if his attack on the other side’s case with
the knife fails, by the time he starts throwing shoes the judge will know he is
grasping for straws.<span style="mso-spacerun: yes;"> </span>I told the
Court “Judge this is a one issue case.”<span style="mso-spacerun: yes;">
</span>The question before you is whether Bank of America’s Notice of Default
complied with paragraph 22 of the mortgage.<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal">
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<div class="MsoNormal">
The notice of default that Bank of America-Countrywide sent
our client in 2009 stated “Further you may have the right bring a court action
to assert the non-existence of a default or any other defense you may have to
acceleration and foreclosure.”<span style="mso-spacerun: yes;"> </span>The
mortgage required Bank of America to tell the homeowner that they could assert
their defenses in the foreclosure action filed by the bank.<span style="mso-spacerun: yes;"> </span>I argued that Bank of America misled
the homeowners by telling them they had to file their own lawsuit to assert
their defenses.<span style="mso-spacerun: yes;"> </span>The Court agreed
and after a half and hour of argument before a packed courtroom, the Court
entered judgment in our favor.<span style="mso-spacerun: yes;"> <a href="http://thetruthaboutloanmodification.files.wordpress.com/2014/06/redactedtriawinjune2014.pdf" target="_blank">To View Complete Judgment Click Here</a>. </span>With this victory the firm’s Space Coast office record in 2014 contested
foreclosure trials improved to 6 and 0 (Six wins, Zero losses).<span style="mso-spacerun: yes;"> </span></div>
<!--EndFragment-->Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com0tag:blogger.com,1999:blog-3554309516667363009.post-25830666867526106202014-03-31T23:14:00.004-04:002014-03-31T23:33:03.601-04:00Firm Obtains $65,523.75 judgment against HSBC<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span class="Apple-style-span" style="margin-left: auto; margin-right: auto;"><a href="http://thetruthaboutloanmodification.files.wordpress.com/2014/04/redacted_feejudgment_vhsbc.pdf" target="_blank"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgmZ_JS-QL888I1alK0ADQKYuKBhqfJHgx1-pWXSyyFooTHrQzvacMAIWA7qJLqdgcIVTjUpeWiGpbEnAlSEifqVnzLT1rxPS0fLuHvCV5wwmrN6xw7z1-_2g2TZURUQkRx_ueSL-J6NSQ/s1600/Redacted_Fee+ExcerptJ.jpg" height="195" width="400" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="http://thetruthaboutloanmodification.files.wordpress.com/2014/04/redacted_feejudgment_vhsbc.pdf" target="_blank">Excerpt from 5 page Final Judgment for Attorney's Fees & Costs</a></td></tr>
</tbody></table>
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Shuster & Saben has obtained what is believed to be the
largest 2014 attorney fee judgment awarded in a Brevard County foreclosure
action.<span style="mso-spacerun: yes;"> </span>The award was
entered in favor of our client, a Space Coast homeowner, whose foreclosure action
the firm defended since the action was filed in early 2010.<span style="mso-spacerun: yes;"> </span>The firm spent over 100 hours defending
the case before ultimately defeating HSBC Mortgage Services and their counsel,
<a href="http://www.alaw.net/" target="_blank">Albertelli Law</a>, P.A.<span style="mso-spacerun: yes;"> </span>After we
obtained judgment on the pleadings against HSBC, the bank appealed the case to
the <a href="http://www.5dca.org/" target="_blank">Florida’s Fifth District Court of Appeal</a>.<span style="mso-spacerun: yes;"> </span>The Fifth District Court of Appeal dismissed HSBC’s appeal
after the bank failed to pay an appellate filing fee after being ordered to do
so by the Appellate Court.<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
At the inception of the case, we asked <a href="http://www.us.hsbc.com/" target="_blank">HSBC</a> to modify our
client’s loan.<span style="mso-spacerun: yes;"> </span>As a foreign
bank<span style="mso-spacerun: yes;"> </span>H.S.B.C. (stands for <u>H</u>ong Kong
<u>S</u>hanghi <u>B</u>ank of <u>C</u>hina ) did not receive TARP bailout money so they had no
obligation to the U.S. Treasury to make loan modifications under HAMP.<span style="mso-spacerun: yes;"> </span>HSBC denied our request for loan
modification and advised that our client’s income exceeded income thresholds for
their internal loan modification program.<span style="mso-spacerun: yes;">
</span>Once diplomacy failed it was time for firm to do everything in our power
to keep the client in his home.<span style="mso-spacerun: yes;">
</span>Our fight came to end nearly four years later after we defeated HSBC in the
trial court and again on appeal. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Our client hired our firm under a partial contingency fee
agreement in which the client paid for the first hour we worked on his case
each month.<span style="mso-spacerun: yes;"> </span>All of the rest of the
hours the firm worked were on a pure contingency fee basis.<span style="mso-spacerun: yes;"> </span>If we did not win this case our firm
would have been paid for less than half of the hours we spent on the case.<span style="mso-spacerun: yes;"> </span>True foreclosure defense meaning
defending a case with a goal of winning the case at trial takes far more work
than engaging in mere stall tactics that are commonly employed by some general
practitioners who “handle” foreclosures from time to time.<span style="mso-spacerun: yes;"> </span>By using a partial contingency fee
agreement our firm can offer services that are affordable to the consumer but still
get paid for the huge investment of time that goes into winning a foreclosure
case.<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
When our firm collects on this judgment our client will
receive over $20,000.00 from the recovery and will get almost all of the money
he paid our firm back.<span style="mso-spacerun: yes;"> </span>Our client
remains in his Palm Bay home.<span style="mso-spacerun: yes;"> </span>Now
that the time for HSBC to appeal the attorney fee judgment has expired our firm
will levy on the judgment by having the Sheriff seize the bank's assets if the
judgment in not paid within a reasonable time. To view a redacted copy of the
judgment <a href="http://thetruthaboutloanmodification.files.wordpress.com/2014/04/redacted_feejudgment_vhsbc.pdf" target="_blank">click here</a>.</div>
<!--EndFragment-->Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com01300 Florida A1A, Satellite Beach, FL 32937, USA28.1759367 -80.590424628.1758822 -80.5905036 28.175991200000002 -80.5903456tag:blogger.com,1999:blog-3554309516667363009.post-71763480609313353102014-03-18T09:14:00.002-04:002014-03-18T09:19:01.101-04:00Free Home Likely After Firm Defeats CitiMortgage<style>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPo-v9fx4QVkFwqNp-R5heUF75TMy9N7IQpcXrz1dSjtwTmtWy38gn_7VkIvFtDcmDmdTbI8ItnzXwTl8bvQo_HTBEKoKb4vXeO8yaLFXXK1yU5ke2BT-N5Iw5Z0hNZ2xo1p8QlgPKhfU/s1600/FJExcerpt1J.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPo-v9fx4QVkFwqNp-R5heUF75TMy9N7IQpcXrz1dSjtwTmtWy38gn_7VkIvFtDcmDmdTbI8ItnzXwTl8bvQo_HTBEKoKb4vXeO8yaLFXXK1yU5ke2BT-N5Iw5Z0hNZ2xo1p8QlgPKhfU/s1600/FJExcerpt1J.jpg" height="245" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">When our firm won this foreclosure case the bank had less than two weeks to refile. </td><td class="tr-caption" style="text-align: center;"><br /></td></tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
When a Rockledge, Florida resident came to discuss his
foreclosure case with me in 2009 he had already interviewed several
attorneys.<span style="mso-spacerun: yes;"> </span>At our first meeting the
homeowner asked “How long can you stretch out my case.” What an odd
question I thought.<span style="mso-spacerun: yes;"> </span>“Why are you asking
I replied.”<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The client explained, “one lawyer I spoke to told me he can
keep me in the house for about a year.<span style="mso-spacerun: yes;">
</span>The other lawyer told me he could keep me in the home for two years.”<span style="mso-spacerun: yes;"> </span>I inquired, “did they tell you how they would
do this?" No.<span style="mso-spacerun: yes;"> </span>"Did they tell you why they
felt delaying your case would be to your benefit?<span style="mso-spacerun: yes;">" </span>No.<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
“I think they just assumed that it was their job to delay
the case.” the prospective client explained.<span style="mso-spacerun: yes;">
</span>Finally I asked “Did they tell you what their strategy would be to win
the case?” “Win the case … what are you talking about” the puzzled prospect
shot back.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
For a lawyer to ask you to hire him with no plan, and no
strategy is the same thing<span style="mso-spacerun: yes;"> </span>as a doctor
giving you medicine with no examination and no diagnosis.<span style="mso-spacerun: yes;"> </span>What a lawyer is going to do to defend the
case has to be based on the facts of the case and the client's objectives.<span style="mso-spacerun: yes;"> </span>Would you go to a doctor who prescribed the
same drugs to every patient.<span style="mso-spacerun: yes;"> </span>Let’s take
a look at your case together and see if the bank that sued you had any right to
do so.<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
When I reviewed the lawsuit against the homeowner I found
that CitiMortgage the bank that sued the homeowner was not the original lender
and the copy of the note attached to the complaint did not have an endorsement
to CitiMortgage or a blank endorsement.<span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>“CitiMortgage lacks standing to
sue you,” I explained.<span style="mso-spacerun: yes;"> </span>“But I am been
sending them mortgage payments for years” the prospect countered.<span style="mso-spacerun: yes;"> </span>“Does not matter, to sue you they need to be
the owner or the holder of the note at the time the lawsuit was filed.<span style="mso-spacerun: yes;"> </span>They were not.<span style="mso-spacerun: yes;"> </span>You have a winnable case.”</div>
<div class="MsoNormal">
<br /></div>
<a name='more'></a><br />
<div class="MsoNormal">
“How long will it take you to win my case?”<span style="mso-spacerun: yes;"> </span>Now there is a good question.<span style="mso-spacerun: yes;"> </span>Finally, a client whose expectations are higher
than losing slowly.<span style="mso-spacerun: yes;"> </span>I explained,
standing is a fixable problem.<span style="mso-spacerun: yes;"> </span>This case
should be dismissed because there was no endorsement on the note at the time
suit was filed.<span style="mso-spacerun: yes;"> </span>If this case gets
dismissed and they go out and get a new endorsement they can sue file a new
lawsuit against you so long as the statute of limitations has not expired.<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
When does the statute of limitations expire?<span style="mso-spacerun: yes;"> </span>Generally in an action for breach of a
written contract or to foreclose on a mortgage the statute of limitations is five
years from the breach.<span style="mso-spacerun: yes;"> </span>In the world of
foreclosure there is a spirited debate as to when the five years starts to run,
does it start when the first payment is missed, when the bank accelerates the
debt, or when the first foreclosure action is filed?<span style="mso-spacerun: yes;"> </span>If you ask three lawyers you may get three
different answers. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
I can try to win your case in six months or we can try to
score the winning touchdown in the final minute of the forth quarter.<span style="mso-spacerun: yes;"> </span>I advise.<span style="mso-spacerun: yes;">
</span>You decide.<span style="mso-spacerun: yes;"> </span>The client got
it.<span style="mso-spacerun: yes;"> </span>Try win the the case at a date
that is so late they do not get to sue me again. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The client hired me in 2009.<span style="mso-spacerun: yes;"> </span>More than four years later, when his case
was more than four years and 11 months old, after a hearing on our motion for
summary judgment and a Court ordered evidentiary hearing the Court entered final
judgment for our client.<span style="mso-spacerun: yes;"> </span>In the month
that followed the bank did not appeal and the bank did not re-file.<span style="mso-spacerun: yes;"> </span>It has now been well over five years since
the original lawsuit was filed.<span style="mso-spacerun: yes;"> </span>It
appears that the statute of limitations ( the time limit) for any bank to bring
a new action has expired.<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;">After we collect attorney's fees and costs from the bank we will commence an action to quiet title for our client. </span></div>
Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com0tag:blogger.com,1999:blog-3554309516667363009.post-34584504906701003572014-03-13T01:05:00.001-04:002014-03-13T01:13:04.762-04:00New Video: Continuances in a Foreclosure Defense Case<div class="separator" style="clear: both; text-align: center;">
<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/AedmOO-eAwg?feature=player_embedded' frameborder='0'></iframe></div>
<br />Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com01300 Florida A1A, Satellite Beach, FL 32937, USA28.1759367 -80.590424628.1758822 -80.5905036 28.175991200000002 -80.5903456tag:blogger.com,1999:blog-3554309516667363009.post-24630690062695166762014-02-16T23:02:00.000-05:002014-02-16T23:04:14.984-05:00Firm Wins Case When Bank's Lawyer Misses Trial<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal" style="text-align: justify;">
While our firm has won a large number of foreclosure trials,
firm associate Purvi Patel recently won a trial in Vero Beach in a most unusual
fashion.<span style="mso-spacerun: yes;"> </span>At the client’s scheduled
trial in January of 2014, counsel for the Plaintiff, U.S. Bank failed to appear
for the scheduled trial at the Indian River Courthouse.<span style="mso-spacerun: yes;"> </span>After U.S. Bank’s counsel failed to
file a witness list as required by Court order, the firm became aware of the possibility
that neither a witness nor a lawyer for the bank would be present for the
trial.<span style="mso-spacerun: yes;"> </span>The firm still had to
prepare the case with the expectation that the bank would be present and ready
for trial.<span style="mso-spacerun: yes;"> </span>When the bank and their
counsel failed to appear foreclosure magistrate Julie Oldehoff, did not require
our firm to put on its case, instead the case was dismissed for the bank’s
failure to appear at trial.<span style="mso-spacerun: yes;">
</span>Following dismissal of the case the firm filed a motion for attorney’s
fees and will seek to obtain a recovery from the Bank to reimburse our client’s
legal expenses. </div>
<div class="separator" style="clear: both; text-align: justify;">
</div>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfIp28A5wwf8k8eGNYYpxZ-gN586KklYElxTUTMfDrjxg-yPpgFmtpaNFy6PZNBByMzfhC_8uAuotm710sgLUKqzkYStezPmg3SE55iB3No_UX_Shoq9YPFKObjDfKTIKWWkToBKeko7I/s1600/Purvi&OrderJ.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfIp28A5wwf8k8eGNYYpxZ-gN586KklYElxTUTMfDrjxg-yPpgFmtpaNFy6PZNBByMzfhC_8uAuotm710sgLUKqzkYStezPmg3SE55iB3No_UX_Shoq9YPFKObjDfKTIKWWkToBKeko7I/s1600/Purvi&OrderJ.jpg" height="170" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Except from Order Firm Associate Purvi Patel</td></tr>
</tbody></table>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
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</div>
<div class="MsoNormal" style="text-align: justify;">
Shuster & Saben understands that when we can stop a bank
form winning its case by default or summary judgment, to only remaining way for
the bank to take our clients home is by trial.<span style="mso-spacerun: yes;"> </span>Trial involves real risks for banks that might be unable to
prove an element of their case.<span style="mso-spacerun: yes;">
</span>Banks also lose trials when they overlook procedural errors.<span style="mso-spacerun: yes;"> </span>When faced with an aggressive, diligent
and persistent defense, a bank will have more opportunities to make
mistakes.<span style="mso-spacerun: yes;"> </span>With focused attention
to detail, our firm tries to catch every mistake and convert such mistakes into
dismissals, trial victories, or into leverage to achieve substantial principal
reduction settlements. </div>
<!--EndFragment--><br />
<!--EndFragment-->Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com0tag:blogger.com,1999:blog-3554309516667363009.post-34559317254934087882013-10-28T22:44:00.000-04:002013-10-28T23:18:35.838-04:00Firm defeats JP Morgan Chase in Brevard Foreclosure Case<div class="separator" style="clear: both; text-align: center;">
<img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwS4HQ9GE067v-6tf2HdoM_OBKp6t385eavlVkDr2ke0dk8PrMOYA6pIWj_MZn4UBRnyAfb27rvu5FekXPoIylp8R3p6Z8EQUIsblUAOkMsZa6p768ek7T3KzkBBk8gmCzKBLk8b7EaPE/s1600/RedactedMSJWinJp.jpg" height="190" width="400" /></div>
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<div class="MsoNormal">
Shuster & Saben was not the first law firm hired by a
Viera, Florida homeowner to defend their foreclosure case.<span style="mso-spacerun: yes;"> </span>Their first lawyer handled their bankruptcy case
but when JP Morgan’s counsel began to aggressively move the case toward trial
their bankruptcy counsel suggested they consult with our firm to obtain counsel
that would fight their case through trial.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
While the firm prepared for war by serving discovery requests
and conducting a thorough investigation of the case we also tried to make peace
by extending settlement offers.<span style="mso-spacerun: yes;"> </span>Our
position was that since the client discharged the debt in bankruptcy, JP Morgan
could still take the house but could not take the client’s money.<span style="mso-spacerun: yes;"> </span>The client owned nearly twice what their
house was worth.<span style="mso-spacerun: yes;"> </span>Before the client hired
our firm JP Morgan put the client in a terrible loan medication that locked the
client into a fixed rate of nearly 7% and removed the variable interest rate
feature of the mortgage less than a year before it would have adjusted to a
lower rate.<span style="mso-spacerun: yes;"> </span>We reasoned that if getting
the house was the best JP Morgan could ever do, a principal reduction loan
modification that would give JP Morgan a mortgage balance substantially above
the current value of the home but substantially lower than the current loan balance
would be a reasonable compromise and a win-win settlement.<span style="mso-spacerun: yes;"> </span>JP Morgan
rebuffed our efforts to settle by making only one take-it or leave-it offer
with a tiny interest rate reduction and no principal reduction.<span style="mso-spacerun: yes;"> </span>JP Morgan told us it was their way or the
highway.<span style="mso-spacerun: yes;"> </span>It was time to prepare for
battle.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
On September 11, 2013, after JP Morgan’s attorney’s Choice
Legal Group failed to respond to requests for admission, our firm filed a
motion for summary judgment in favor of the Defendant homeowner.<span style="mso-spacerun: yes;"> </span>The motion for summary judgment was scheduled
for October 17, 2013.<span style="mso-spacerun: yes;"> </span>Choice Legal, even
after getting the motion for summary judgment failed to respond to the requests
for admission.<span style="mso-spacerun: yes;"> </span>When the motion was set
for hearing they continued to do nothing.<span style="mso-spacerun: yes;">
</span>On October 17, 2013, the Court adjudicated our motion for summary
judgment.<span style="mso-spacerun: yes;"> </span>Since JP Morgan Chase never
responded to our requests for admissions the Court deemed that it was admitted
that JP Morgan did not own or hold the note.<span style="mso-spacerun: yes;">
</span>The Court entered summary judgment and final judgment based on the
admissions.<span style="mso-spacerun: yes;"> </span>Our client has won the case
and has proven that JP Morgan does not own or hold the note.<span style="mso-spacerun: yes;"> </span>The Court’s order provides that JP Morgan
shall take nothing from this action meaning they will not get our client’s home
or one thin dime of our client’s money.<span style="mso-spacerun: yes;">
</span>Our client as the prevailing party will recover attorney’s fees from JP
Morgan. <span style="color: blue;"> </span><a href="http://thetruthaboutloanmodification.files.wordpress.com/2013/10/redactedmsjwinvjpmorg1.pdf" target="_blank"><span style="color: blue;">To read the entire order click here</span>. </a></div>
<div class="MsoNormal">
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<div class="MsoNormal">
About Shuster & Saben,LLC… Shuster & Saben aggressively
litigates foreclosure cases.<span style="mso-spacerun: yes;"> </span>Our active counter-attacks
on banks and loan servicers give foreclosure mill attorneys plenty of chances
to drop the ball.<span style="mso-spacerun: yes;"> </span>Lawyers whose goal is
delay might be content to wait for the bank’s lawyers to pick up the ball.<span style="mso-spacerun: yes;"> </span>Not us.<span style="mso-spacerun: yes;">
</span>We play to win.<span style="mso-spacerun: yes;"> </span>We know its our
job to recover the fumble and head for the end zone. That is how we win cases
like this one. <span style="mso-spacerun: yes;"> </span></div>
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<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
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Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com0tag:blogger.com,1999:blog-3554309516667363009.post-67827246706595466112013-10-08T00:20:00.000-04:002013-10-08T08:45:43.609-04:00Homeowner Wins... Firm Defeats Astoria Federal Savings & Loan<!--[if gte mso 9]><xml>
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<div class="MsoNormal">
When a Melbourne, Florida resident hired our firm to defend
the foreclosure action filed in 2010 against her home she never expected to win
her case.<span style="mso-spacerun: yes;"> </span>The recession had wiped
out the client’s employment, savings and the value of her home.<span style="mso-spacerun: yes;"> </span>The client owned well over twice what
her home was worth, and without her regular employed and quickly depleting
savings, she could no longer afford her mortgage.<span style="mso-spacerun: yes;"> </span>The client’s attempts to obtain a real loan modification
from Astoria were unsuccessful.<span style="mso-spacerun: yes;">
</span>The client felt that her back was up against the wall and that she had
no choice but to stop paying her mortgage.<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal">
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span class="Apple-style-span" style="margin-left: auto; margin-right: auto;"><a href="http://thetruthaboutloanmodification.files.wordpress.com/2013/10/redacted_win_against_astoria.pdf" target="_blank"><img border="0" height="186" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSPQ4MtB27Aor1a-ZJhmsnqfTBUSRmP1rbFFgjo1r7dWEfo_kkMlGMyHW9Ywc3MZWQtn79AhoaCbqrQkaMzALCJnXDIgMxrL6UygfkLIke9RpqzLxeJ-wF2LehfY0-VwFnbHd2dndbxrI/s1600/AstoriaJP.jpg" width="400" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><i><a href="http://thetruthaboutloanmodification.files.wordpress.com/2013/10/redacted_win_against_astoria.pdf" target="_blank">What it looks like when a bank loses a foreclosure action. </a></i></td></tr>
</tbody></table>
<br />
<br /></div>
<div class="MsoNormal">
After extensive research to find skilled and compatible
foreclosure defense attorney, she ultimately interviewed multiple attorneys
before choosing the Space Coast office of Shuster & Saben to defend her
case.<span style="mso-spacerun: yes;"> </span>Her goal in 2010, was to
simply stay in the home as long as possible.<span style="mso-spacerun: yes;"> </span>While aggressively litigating the case, we tried to obtain a
loan modification with principal reduction or a waiver of deficiency but
Astoria wanted the client’s home and either her money or a deficiency
judgment.<span style="mso-spacerun: yes;"> </span>Astoria Bank would not
be backing down.<span style="mso-spacerun: yes;"> </span>Now our back was
against the wall to.<span style="mso-spacerun: yes;"> </span>Time to work
hard and hit harder.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
When the client interviewed various law firms to choose the
right attorney, one of the things that impressed her about Shuster & Saben,
were the issues and defenses our firm spotted during the initial consultation,
that were missed by other lawyers (or paralegals) at other firms she consulted
with.<span style="mso-spacerun: yes;"> </span>One of the issues that later
arose in her case was the fact that the demand letter (also known as a notice
of acceleration) did not tell the homeowner how much to pay to bring the
account current.<span style="mso-spacerun: yes;"> </span>The letter merely
instructed the homeowner to call Astoria to find out how much to pay.<span style="mso-spacerun: yes;"> </span>Paragraph 22 of the homeowner’s
mortgage required that the Notice Specify (a) the default; and (b) the action
required to cure the default… </div>
<div class="MsoNormal">
<br /></div>
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<div class="MsoNormal">
I filed a motion for summary judgment against Astoria, that
asserted that their Notice / Demand Letter was not good enough because the
“action required to cure default” was not picking up the phone and calling
Astoria, rather it was writing a check.<span style="mso-spacerun: yes;">
</span>I argued that for the letter to comply with the requirements of the
mortgage it had to tell the borrower how much to pay.<span style="mso-spacerun: yes;"> </span>Any letter that did not include such information could put
the borrower in a Catch-22 where the borrower could call and be given any
number or could pay the amount they were told only to have their check sent
back and be told they had to pay more.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
On July 29, 2013, I faced off against Astoria Bank’s law
firm Gladstone Law Group at a summary judgment hearing before Brevard Circuit
Judge O.H. Eaton, Jr.<span style="mso-spacerun: yes;"> </span>While
I had moved for summary judgment for the Defendant, Gladstone had moved for
summary judgment for Astoria.<span style="mso-spacerun: yes;"> </span>The
granting of either side’s motion for summary judgment would mean that side
would win and trial would be unnecessary. Gladstone Law Group argued that the
demand letter sent by Astoria substantially complied with the mortgage which is
lawyer speak for saying that close enough is good enough.<span style="mso-spacerun: yes;"> </span>The Court did not rule at the hearing
rather the Court took the issue under advisement and deferred ruling.<span style="mso-spacerun: yes;"> </span>A week later the Court entered a
written Order that was mailed to counsel.</div>
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<div class="MsoNormal">
The Court granted our motion for summary judgment, finding
“... the exact amount due to cure default must be specified in writing in the
acceleration notice.”<span style="mso-spacerun: yes;"> </span>The Court
rejectd Astoria’s substantial compliance holding “The plaintiff has argued that
the notice, if not perfect is in substantial compliance with the requirements
of Paragraph 22 of<span style="mso-spacerun: yes;"> </span>the
mortgage.<span style="mso-spacerun: yes;"> </span>It is not.”</div>
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To read the complete order with our client’s information
redacted click here:<span style="mso-spacerun: yes;"> </span><a href="http://thetruthaboutloanmodification.files.wordpress.com/2013/10/redacted_win_against_astoria.pdf" target="_blank">link to order</a>. </div>
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About Shuster & Saben:<span style="mso-spacerun: yes;"> </span>A homeowner with depleted or strained financial resources
versus a bank with virtually unlimited resources.<span style="mso-spacerun: yes;"> </span>David versus Goliath.<span style="mso-spacerun: yes;">
</span>On the financial battlefield a foreclosure action is likely the biggest
fight you will ever have.<span style="mso-spacerun: yes;">
</span>Knowledge is power.<span style="mso-spacerun: yes;"> </span>Come
arm yourself in a free consultation with at attorney who has left quite a few
bank lawyers laying flat on their backs.<span style="mso-spacerun: yes;"> </span>We love finding the weak spots in the bank’s case that
other lawyers miss.<span style="mso-spacerun: yes;"> </span>If you understand
the difference between a custom defense and cookie-cutter stall tactics… (or
want us to explain the difference) please give us a call or E-mail <a href="mailto:foreclosuredefenselaw@gmail.com">foreclosuredefenselaw@gmail.com</a></div>
<!--EndFragment-->Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com1tag:blogger.com,1999:blog-3554309516667363009.post-6921462506286202302013-08-17T15:28:00.000-04:002013-08-17T15:56:26.138-04:00Shuster & Saben obtains $18,500.00 fee judgment against U.S. Bank<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjNF9lsmKzyX1-SDDxNv5AIUm19IdjUiwknEaCbFPJ_ROLTGdsKy4QoKKf3juDBoK5BtS2IFJd7hnGRR0n71MoZBKhM3iWbD2jqU4WvIs3n4vffYJmMOOkkxeNuRNZIzpvgwkU1YaRchLc/s1600/RedactedFeeAugJPE.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjNF9lsmKzyX1-SDDxNv5AIUm19IdjUiwknEaCbFPJ_ROLTGdsKy4QoKKf3juDBoK5BtS2IFJd7hnGRR0n71MoZBKhM3iWbD2jqU4WvIs3n4vffYJmMOOkkxeNuRNZIzpvgwkU1YaRchLc/s1600/RedactedFeeAugJPE.jpg" height="240" width="400" /></a></div>
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Firm attorney, Richard Shuster was not the first lawyer
hired by a Brevard family to defend the foreclosure case filed against their
million-dollar riverfront home.<span style="mso-spacerun: yes;"> </span>The
first lawyer hired by the family was a flat-fee lawyer whose objective was to delay
foreclosure.<span style="mso-spacerun: yes;"> </span>After the case was several
months old the bank moved for summary judgment and the flat-fee attorney
suggested to the homeowners that the end was near.<span style="mso-spacerun: yes;"> </span>The flat fee lawyer thought the only option
was to cut a deal where the homeowners would give up their home in exchange for
an extended sale date that would get them three or four extra months in the
home. </div>
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The homeowners happened upon a family friend at a popular
beachside restaurant who was a prior foreclosure defense client of Shuster
& Saben.<span style="mso-spacerun: yes;"> </span>The client told the homeowner,
how Shuster & Saben successfully resolved their case and suggested that
they get a second opinion with firm attorney Richard Shuster.<span style="mso-spacerun: yes;"> </span>At first, the homeowner was hesitant over
the fact that hiring Shuster & Saben would be significantly more expensive
than what they had paid to hire the flat fee lawyer.<span style="mso-spacerun: yes;"> </span>After several weeks of delay, the homeowner
called the Space Coast office of Shuster & Saben for a free foreclosure
defense consultation.<span style="mso-spacerun: yes;"> </span>During the
consultation, attorney Shuster found a significant mistake made by the bank
that had been overlooked by the flat-fee lawyer. During the consultation,
Shuster explained the strengths and weaknesses of the bank’s case and laid out
a plan of attack that would be implemented if the homeowner hired the
firm.<span style="mso-spacerun: yes;"> </span>Ater sleeping on the issue for one
night the couple hired Shuster & Saben, the day after the
consultation.<span style="mso-spacerun: yes;"> </span>Shuster went to work on
the case immediately, implementing the plan laid out in the consultation.<span style="mso-spacerun: yes;"> </span>In less than six months<span style="mso-spacerun: yes;"> </span>Shuster obtained an order dismissing the
case.<span style="mso-spacerun: yes;"> </span>U.S. Bank then moved for rehearing
which was denied by the Court. After Shuster won the foreclosure case, he
timely moved for attorney’s fees and costs to recover money from US Bank to
reimburse legal expenses previously paid for by the client and pay for work
done by the firm that the client was not charged for.</div>
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On August 13, 2013, the Court entered a <a href="http://thetruthaboutloanmodification.files.wordpress.com/2013/08/redactedfeejudgusbank_aug2013.pdf" target="_blank">final judgment</a> for
attorney’s fees and costs against US Bank, ordering the bank to pay $18,500.00
for attorney’s fees and costs.<span style="mso-spacerun: yes;"> </span>To view a
redacted copy of the order <a href="http://thetruthaboutloanmodification.files.wordpress.com/2013/08/redactedfeejudgusbank_aug2013.pdf" target="_blank">click here</a>.<span style="mso-spacerun: yes;"> </span>When
the judgment is paid, the firm’s client will receive thousands of dollars
back.<span style="mso-spacerun: yes;"> </span></div>
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The Court’s final judgment reflects a finding that attorney
Richard Shuster reasonably spent 41 hours in the defense of the foreclosure claim.<span style="mso-spacerun: yes;"> </span>If a $1,500.00 flat-fee foreclosure defense
lawyer spent 41 hours on a case that would equate to under $37.00 per
hour.<span style="mso-spacerun: yes;"> </span>Shuster & Saben’s client first
retainer agreement calls for the client to pay for the first hour worked each
month and the rest of the time spent is on a pure contingency fee basis where
the firm only gets paid if the case is won.<span style="mso-spacerun: yes;">
</span>With such a fee structure, Shuster & Saben, can afford to pull out
all the stops in an effort to win. </div>
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The clients are no longer in foreclosure and continue to
enjoy their waterfront estate home.<span style="mso-spacerun: yes;"> </span>When
the clients referred one of their friends to the firm their advice from
experience was “<b>when your home and biggest asset is on the line, hire the best
lawyer you can find</b>.”<span style="mso-spacerun: yes;"> </span></div>
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About Shuster & Saben:<span style="mso-spacerun: yes;">
</span>The lawyers at Shuster & Saben defend foreclosure cases with
experience, attention to detail, and enthusiasm.<span style="mso-spacerun: yes;"> </span>The firm is one of a select few that has won
foreclosure cases but at trial and on appeal to a District Court of
Appeal.<span style="mso-spacerun: yes;"> </span>The firm regularly tries
cases.<span style="mso-spacerun: yes;"> </span>In 2012 the firm’s fee judgment
against U.S. Bank for over $46,000.00 was the largest foreclosure fee judgment
for a homeowner in Brevard County. The firm is equally proud of its many loan
modification settlements which allow clients to keep their homes and make
payments they can afford.<span style="mso-spacerun: yes;"> </span></div>
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Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com0tag:blogger.com,1999:blog-3554309516667363009.post-83153664969288721442013-07-30T22:40:00.001-04:002013-07-30T22:43:09.501-04:00Video Blog: Making The Banks PayIn this video firm attorney Richard Shuster, answers a blog visitor's question about why this blog features copies of checks from cases where the bank lost the case and was ordered to pay attorney's fees.<br />
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<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/TiiEsMx11R4?feature=player_embedded' frameborder='0'></iframe></div>
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Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com0tag:blogger.com,1999:blog-3554309516667363009.post-56791202889662635692013-07-30T21:37:00.002-04:002013-07-31T23:35:37.974-04:00Richard Shuster to teach Foreclosure Defense Law, October 17, 2013<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9wjPpibkBT8MbXCLho45o9wZHKforTOMrOz2ETZ82CbsTjuRGauilUb2t6Ur_nUw0MNHoP3PIy7jQdPY6jyS9me2gEcbJlTZAAfK975YuQsN0vQQZFzI91ucAXP9MUpXsu18jdDIh80Y/s1600/logo+SCClaw.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9wjPpibkBT8MbXCLho45o9wZHKforTOMrOz2ETZ82CbsTjuRGauilUb2t6Ur_nUw0MNHoP3PIy7jQdPY6jyS9me2gEcbJlTZAAfK975YuQsN0vQQZFzI91ucAXP9MUpXsu18jdDIh80Y/s1600/logo+SCClaw.jpg" height="112" width="320" /></a></div>
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For the second year in a row, firm attorney Richard Shuster,
has accepted the Brevard Bar Foundation’s invitation to present a lecture at
the Space Coast Community Law School.<span style="mso-spacerun: yes;">
</span>Shuster will present this free lecture on foreclosure defense at the
Brevard Courthouse in Viera, Florida on October 17. 2013.<span style="mso-spacerun: yes;"> </span>The seminar is designed to educate consumers about the
foreclosure process, how to avoid default, how to answer a foreclosure
complaint, legal defenses to foreclosure, conducting discovery, foreclosure
mediation, loan modification,<span style="mso-spacerun: yes;">
</span>summary judgment, and trial. Homeowners interested in the Space Coast
Community Law School visit <a href="http://www.spacecoastcommunitylawschool.com/">www.spacecoastcommunitylawschool.com</a><br />
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<!--EndFragment-->Anonymoushttp://www.blogger.com/profile/08659929537638259816noreply@blogger.com0