Shuster & Saben reaches confidential settlement in Foreclosure Trespass case.

Nearly four years ago a Melbourne, Florida resident in foreclosure left town for the weekend.  Although her home was in foreclosure she continued to live there and run her home based business from the property.  When she arrived home after the weekend away, the lock on her front door had been changed.  A field service agent sent by her loan servicer had broke in the back door, changed the lock on her front door, and left his business card.  When she found her front door locked she went around to the back of the house where she found her broken in back door left wide open.  When she went inside she found that many of her possessions were gone.

The homeowner called the police and a police report was filed.  The police did not arrest anyone and told her that because she was in foreclosure this was a “civil” matter.  Our client did not know if the field service agent took her belongings or merely enabled some other person to take her stuff by leaving the back door unlocked.

The home owner took pictures of her home after the break-in to show that the property was in good repair and could not have been mistaken for an abandoned property.  She asked several different lawyers in the Space Coast to take her case.  Every attorney she spoke to told her the same thing:  that her damages (about $6,000.00 of lost property) were to small and she had no proof that the field service agent left the back door open or took her property.   One lawyer told her “Perhaps the field service agent broke into the property, changed the locks, and locked all the doors and then a thief broke in and left the back door open.”

Shuster & Saben Defaults Bank of America

Banks win most of their cases by default, the legal equivalent of a forfeit in sports. For a bank to win a case by default the homeowner must bury their head in the sand and fail to respond to the lawsuit filed by the bank. When Shuster & Saben, LLC sued Bank of America subsidiary BAC Home Loan Servicing, the shoe was on the other foot, when Bank of America failed to show up for a mandatory pretrial hearing. At the hearing the Court entered a default against Bank of America. A few days later after submission of an affidavit as to damages the Court entered a default final judgment against the bank. The law suit filed on behalf of a foreclosure defense client sought damages for violation of RESPA ( Real Estate Settlement Procedures Act ) and FCCPA (Florida Consumer Collection Practices Act ). Bank of America as the losing party in the litigation will also have to pay all of the homeowner’s legal fees, in addition to the amount of the judgment for damages. Since the bank will have to pay our client’s attorney’s fees the entire judgment amount will go to the client.

To review a redacted copy of the default final judgment please click the link below:
Redacted Default Final Judgment

UPDATE: NEW POST - We Collected on the Judgment

About Shuster & Saben: Shuster & Saben believes the ultimate result of many foreclosure cases can be improved by going on offense and bringing a separate lawsuit for any bank violations of consumer protection laws. Shuster & Saben accepts referrals from other law firms whose foreclosure clients’ rights have been violated where the referring firm does not wish to handle the file alone or would prefer to refer the case to a firm with greater experience suing banks and loan servicers.