CASE RESULTS

CASE EXAMPLE #1

HELPING LL REMOVE HER LUGGAGE AND GET ON WITH HER LIFE

CASE EXAMPLE #2

KEEP JT'S FAMILY TOGETHER

LEGAL STRAIGHT:

Our client, LL, owned property with her ex-husband. Due to unforeseen circumstances, she was unable to keep up with her mortgage payments and was sued for foreclosure.

Her ex-husband wanted nothing to do with the house and her attempts to modify her loan were unsuccessful because her income was not sufficient. He decided it was better to move to a smaller place where he wouldn't have to deal with the burden of house maintenance plus a large debt to the bank.



Furthermore, even though the title to the house was in her name, the debt was still joint with her ex-husband and she wanted to sever any connection so she could start over. She came to us for help selling her house and paying off her debts.

SOLUTION:

We negotiated a short sale (which is an alternative to a loan modification) with the lender that included both loans affecting the property.

The house was sold at market value but below the amount owed to lenders. Additionally, we were able to successfully close even though the ex-husband refused to cooperate as he filed for bankruptcy after the divorce.

Both lenders forgave the deficiency (debt balance not covered by the purchase price).

BENEFIT FOR THE CUSTOMER:

LL has one less thing to worry about and can now focus on starting a new life without any ties to the past and, most importantly, without debt to any lender.

LEGAL STRAIGHT:

Our client, JT, crossed the border illegally. She eventually married an American citizen and had three children. The notary who had filled out your visa waiver paperwork made many mistakes and that's why he came to us (with a very short deadline) to correct it and resubmit your waiver application.

SOLUTION:

We quickly resubmitted his resignation, which was immediately approved.

We then proceeded to complete his consular processing application and register him for his visa interview at the United States Embassy in Guayaquil, Ecuador, which he attended and passed. He returned to the United States with his green card.

BENEFIT FOR THE CUSTOMER:

JT was able to reunite with his family in the United States, where they now live together without worrying about the threat of deportation.

CASE EXAMPLE #3

HELP MOM AND SAVE A HOUSE

CASE EXAMPLE #4

FIGHTING FOR WHAT IS FAIR AND SAVING A HOUSE

LEGAL STRAIGHT:

VO and WO stopped paying their mortgage to pay for their mother's medical expenses. They came to us when they received a notice of sale from their bank on their home.

SOLUTION:

We filed a Chapter 13 bankruptcy to stop the sale and quickly requested the loan modification, which was approved. Less than a month after coming to us with a bank foreclosure sale date notice, VO and WO loan modification was approved

BENEFIT FOR THE CUSTOMER:

Both V.O. and W.O. were extremely grateful to be able to help her mother and remain in their home with their new, lower mortgage payment.

LEGAL STRAIGHT:

Our client, RA, received a Notice of Petition/Petition for a Remainder Procedure because her ex-husband was trying to evict her from their home (she currently lives on the property they once shared).



The petitioner was attempting to evict our client based on a Divorce Judgment between the parties which stated that if our client defaulted on the residential mortgage payments, then he would no longer have a right to the property. However, the divorce decree granted our client exclusive use of the marital home.

SOLUTION:

We filed a Motion to Dismiss on behalf of the Defendant. Where we argue that:

The husband did not have standing to evict his ex-wife, since she also owns 50% of the marital home. As the owner of the property, our client could not be evicted by her ex-spouse.



Since our client is a co-owner of the property in question, the 30 Day Notice provided was defective because there was no landlord-tenant relationship between the parties.

Finally, we argue that Petitioner is in violation of the Divorce Decree, which granted exclusive use to our client, and as such, is not entitled to bring this stay action.

BENEFIT FOR THE CUSTOMER:

The case was dismissed and our client remained at home.

CASE EXAMPLE #5

HELPING A FATHER WITH HIS FINAL WISH

CASE EXAMPLE #6

A PARENT'S CITIZENSHIP GRANTED AFTER MORE THAN 10 YEARS

LEGAL STRAIGHT:

Our client, AK, explained to us that as his health steadily deteriorated, all but one of his children abandoned him.



AK worked very hard throughout his life and was able to accumulate significant wealth. He did not want the children who abandoned him to inherit any of his estate. Instead, he wanted his son who was by his side during his illness to inherit all his assets.

Our legal team explained to AK that all of his children would inherit his estate equally if he did not execute a will indicating how he wished to distribute his estate.

SOLUTION:

Our legal team quickly drafted a will in accordance with AK's wishes and it was executed.

BENEFIT FOR THE CUSTOMER:

Unfortunately, AK passed away two months after signing his will. However, his final wish that his estate be passed on as he saw fit was granted. The state did not distribute AK's inheritance to children who did not support him while he battled terminal cancer.

LEGAL STRAIGHT:

Our client, CS, was found inadmissible to the US due to misrepresentation.



USCIS wanted to deny his eligibility for an adjustment of status because, wanting to be as honest as possible during his interview, he admitted to the officer that he had stayed in the country after his visa expired to provide a better future for his minor children.

SOLUTION:

On behalf of CS, we filed an I-601, Application for Waiver of Grounds of Inadmissibility, to demonstrate that his wife would face hardship if CS were removed from the country.

BENEFIT FOR THE CUSTOMER:

Our waiver was approved and C.S. was granted a green card after being without a status for over 10 years of being in the US.

CASE EXAMPLE #7

DEMANDING AN ANSWER AND ENDING A (VERY) BAD DEAL

CASE EXAMPLE #8

SAVING ML AND HIS FATHER AFTER A SERIES OF UNFORTUNATE EVENTS

LEGAL STRAIGHT:

Our client, PN, felt he had been tricked into signing a timeshare contract. However, despite trying to contact the timeshare company shortly after signing it, he was unable to void his contract or even get a direct response from anyone at the company regarding his options. Frustrated with the company and concerned about his credit, he came to us to take charge of communication with the timeshare company.

SOLUTION:

We sent the PN timeshare company a legal representation letter informing them that the terms of the contract were unclear and demanding a full refund of the deposit. The company responded immediately and accepted the cancellation and refund.

BENEFIT FOR THE CUSTOMER:

PN got his full deposit back and no longer had to worry about a timeshare that was a very bad deal and would have hurt his credit if he didn't pay.

LEGAL STRAIGHT:

Our client, ML, and his 72-year-old father lived together in their home in the Bronx. ML suffered a fall at work that left her permanently disabled. This fact caused him to fall behind on his mortgage because he no longer had any income. His house was scheduled by his bank to go on the market at the end of October, so he reached out to us.

SOLUTION:

Because the for sale notice was a “nail and mail” (i.e. a for sale notice was posted on his front door) and ML was entering and leaving the house at the time (and therefore never saw the door sign), we filed an Order to Show Cause (OSC) on their behalf and stopped the sale. The OSC was granted and ML received a cross hearing.

We decided to suspend the cross-hearing for settlement conferences because ML filed a loan modification. He was previously denied because there was a third party on the deed to the house; We file a Quit Claim Deed (QCD) to remove that person.



The next challenge was that his income was going to decrease substantially due to receiving worker's compensation. We were initially denied, but we re-applied for the loan modification on his behalf and got an approval which he accepted.

BENEFIT FOR THE CUSTOMER:

ML and her father can stay in their home with a now lower mortgage payment that she can keep up with (even with less income).

CASE EXAMPLE #9

FIGHT TO HELP MV KEEP HIS HOME AFTER HIS FAMILY IS TREATED BY A NATURAL DISASTER AND PERSONAL LOSS

CASE EXAMPLE #10

USE A HAMP LOAN MODIFICATION TO KEEP THE ENTIRE FAMILY TOGETHER UNDER ONE ROOF

LEGAL STRAIGHT:

A year after Sandy, her husband died of cancer. She came to us after she was sued for foreclosure and the deadline to file an answer had passed. The bank's lawyers refused to accept a late response.

We filed a motion to compel acceptance of our response or for a cross-hearing to determine whether service of process was appropriate.



According to the affidavit, the person notified was JA, a 5’6” woman in her 60s with brown hair. However, MV's mother, MM is 87 years old, white hair and only 4'7. We demand a transversal audience. Around the same time, MV received a flexible modification with low payments. She agreed to a trial plan and now awaits its permanent modification.

SOLUTION:

MV's home in Queens was completely destroyed by Hurricane Sandy. There was five feet of water on the first floor and the property is still uninhabitable. It is currently in the process of demolition to rebuild the house.

BENEFIT FOR THE CUSTOMER:

M.V. and her mother can remain in their home as they continue to rebuild it with lower mortgage payments.

LEGAL STRAIGHT:

JE and her husband live in their Bushwick home along with four grandchildren, including seven-month-old twins. They contacted us when their house went into foreclosure.

SOLUTION:

We attended foreclosure resolution conferences on your behalf for a year. A loan modification request was submitted in December 2015, and although we submitted all required documents, to our surprise, we were denied for missing documents in May 2016. We disputed the reason for the denial and the bank reopened the review. However, they continued to request the same documents over and over again, causing our clients distress.



The bank offered a simplified modification of more than 4 thousand dollars per month. We asked for specific terms, including interest, and never received them. The bank's pattern of delaying, requesting documents at the last minute, and issuing unfair denials was repeated until March 8, 2017, when the bank said the file was denied because HAMP had expired.

We filed a motion in May 2017 requesting a bad faith hearing and requesting $12,000 in sanctions. The following month, we received a trial modification from HAMP with a payment of $3,600 and a 2% interest rate. JE and her husband now have a permanent modification.

BENEFIT FOR THE CUSTOMER:

JE and his family can finally rest assured that they won't have to leave their family home. Now, she and her husband can meet their new monthly mortgage payments.

CASE EXAMPLE #11

FIGHTING THE EM HILL LEGAL BATTLE UNTIL WE WIN

CASE EXAMPLE #12

RECOVER JM AND A PRIMARY FORGIVENESS OF $105,000.00

LEGAL STRAIGHT:

Our client, EM, had a second mortgage of $130,000.00 with Citibank.

SOLUTION:

In December 2016, we successfully negotiated EM debt from $130,000.00 to just $30,000.00. Unfortunately, EM had a change in financial circumstances and no longer had the necessary funds to accept the offer. We tried to renegotiate a smaller amount, but the bank did not budge. The bank also would not handle our loan modification requests. Still, we wouldn't give up. After more back and forth with the bank, the loan was forgiven.

BENEFIT FOR THE CUSTOMER:

EM was extremely grateful and relieved to be able to stay in his home without the additional debt causing his home to have negative equity.

LEGAL STRAIGHT:

JM stopped paying his mortgage in 2016 due to reduced income. He came to us for help when the bank initiated foreclosure proceedings.

SOLUTION:

First, we filed an answer to the foreclosure complaint to preserve our client's defenses. We then requested a loan modification and filed a mediation request to seek judicial oversight of the entire process. Our client was approved for a loan modification with a $1,500.00 reduction in his monthly payment. The terms included a 2% interest rate and principal forgiveness in the amount of $105,000.00.

BENEFIT FOR THE CUSTOMER:

Our client was able to save his home because he can now afford the new reduced mortgage payments.

CASE EXAMPLE #13

A PRIMARY FORGIVENESS OF $423,000.00 SAVED OUR CLIENTS' HOME

CASE EXAMPLE #14

A $200,000 FORGIVENESS AND HEALING PRINCIPLE

LEGAL STRAIGHT:

Due to unforeseen changes in the economy, clients D.C. and H.B. fell behind on their mortgage payments and could no longer afford their home. 

SOLUTION:

We represented DC and HB in negotiations with their mortgage servicer. We overcame numerous delays in reviews and mishandling of documents by the bank and ultimately forced a staged review by the bank supervisor. We are proud to say that our legal team achieved a significant DC and HB mortgage loan modification

BY THE NUMBERS:

Monthly payment before: $4,166.34Monthly payment after: $2,199.02Interest rate before: 8.62%Interest rate after: 2.00%

BENEFIT FOR THE CUSTOMER:

A reduction in your interest rate and monthly payment by $1,967.00 and total forgiveness of $423,000.00.

LEGAL STRAIGHT:

When Mr. and Mrs. L came to our office in Union City, New Jersey, they were 3 years behind on their Federal Housing Administration (FHA) loans and needed a loan modification to avoid foreclosure. mortgage.

SOLUTION:

The process of helping the Ls modify their loan began without a problem, but then Mr. L passed away. Understandably, Ms L was devastated. However, just when he had given up hope of staying home, Cabanillas' team received a letter approving a testing plan.



After three monthly payments, Ms. L received a permanent modification with loan forgiveness of over $200,000 toward her debt and a new 2% interest rate locked in for the life of the loan. As a result, Ms. L was able to maintain the family home that she and Mr. L built together.

BY THE NUMBERS:

Monthly payment before: $3,531.14Monthly payment after: $2,333.07Interest rate before: 6.50%Interest rate after: 2.00%

BENEFIT FOR THE CUSTOMER:

Interest rate and monthly payment reduction by $1,198.01 and total forgiveness of over $200,000.