CASE STUDIES
If you are unsure whether having an attorney on your side can really make a difference, rest assured that we pride ourselves on achieving meaningful results for our clients.
Through counseling and litigation, our team is responsible for helping hundreds of families improve their legal or financial situation, even when things seem hopeless.
We work tirelessly to ensure our clients' livelihoods are secure and we have many satisfied clients to prove it.
Case example # 1
HELPING L.L. TO REMOVE SOME BAGGAGE AND GO ON WITH THEIR LIFE
LEGAL ISSUE
Our client, L.L., owned a property with her ex-husband. Due to unforeseen circumstances, she was unable to keep up with her mortgage payments and she was sued for foreclosure.
Her ex-husband wanted nothing to do with the house and his attempts to modify his loan were unsuccessful because his income was insufficient. He decided it was better to move to a smaller place where he did not have to deal with the burden of housekeeping plus a large debt to the bank.
Also, even though the title to the house was in her name, the debt was still jointly with her ex-husband and she wanted to cut off any connection so she could start over. She came to us for help in 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 home was sold at market value but below the amount owed to the lenders. Also, we were able to successfully close despite the ex-husband's refusal to cooperate as he filed for bankruptcy after the divorce.
Both lenders forgave the deficiency (debt balance not covered by the purchase price).
BENEFITS FOR THE CLIENT:
L.L. she has one less thing to worry about and now she can focus on starting a new life with no ties to the past and, most importantly, no debt to any lender.
Case example # 2
KEEP J.T'S FAMILY TOGETHER
LEGAL ISSUE
Our client, J.T., crossed the border illegally. She eventually married an American citizen and had three children. The notary who had filled out his visa waiver paperwork made a lot of mistakes and so he came to us (with a very short deadline) to correct it and resubmit his waiver application.
SOLUTION
We quickly resubmitted his application, which was immediately approved.
We then proceeded to complete your consular processing request and register you for your visa interview at the United States Embassy in Guayaquil, Ecuador, which you attended and approved. He returned to the United States with his green card.
BENEFITS FOR THE CLIENT:
J.T. she 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 SAVE HER HOUSE
LEGAL ISSUE
V.O. and W.O. She stopped paying his mortgage in order to pay for his mother's medical expenses. They came to us when they received a notice of sale from their bank on their home.
SOLUTION
We filed for Chapter 13 bankruptcy to stop the sale and quickly applied for the loan modification, which was approved. Less than a month after coming to us with a foreclosure sale date notice from the bank, V.O. and the loan modification of W.O.
BENEFITS FOR THE CLIENT:
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.
Case example # 4
FIGHTING FOR WHAT IS FAIR AND SAVING A HOUSE
LEGAL ISSUE
Our client, R.A., received a Notice of Petition / Petition for a holdover 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 defaults on the maintenance of the mortgage payments on the residence, then he would no longer be entitled to the property. However, the divorce decree granted our client exclusive use of the marital home.
SOLUTION
We file a Motion to Dismiss on behalf of the Respondent. Where we argue that:
The husband did not have the 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 delivered 30-Day Notice was faulty because there was no landlord-tenant relationship between the parties.
Finally, we argue that the petitioner is violating the Divorce Decree, which granted exclusive use to our client and, as such, does not have the right to initiate this suspension action.
BENEFITS FOR THE CLIENT:
The case was dismissed and our client remained at his home.
Case example # 5
HELPING A FATHER WITH HIS FINAL WISH
LEGAL ISSUE
Our client, A.K., explained to us that while his health was constantly deteriorating, all of his children abandoned him except one.
A.K. she worked very hard during 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 of his assets.
Our legal team explained to A.K. 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 A.K. and was executed.
BENEFITS FOR THE CLIENT:
Unfortunately, A.K. He passed away two months after signing his will. However, he was granted his final wish that his estate be passed on as he saw fit. The state did not distribute the inheritance of A.K. to the children who did not support him as he battled terminal cancer.
Case example # 6
A PARENT'S CITIZENSHIP GRANTED AFTER MORE THAN 10 YEARS
LEGAL ISSUE
Our client, C.S., was found inadmissible to the US due to misrepresentation.
U.S.C.I.S. wanted to deny his eligibility for 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 the minor children of him.
SOLUTION
On behalf of C.S., we filed an I-601, Application for Waiver of Grounds of Inadmissibility, to show that your wife would face hardship if C.S. was expelled from the country.
BENEFITS FOR THE CLIENT:
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 A RESPONSE AND ENDING A (VERY) BAD DEAL
LEGAL ISSUE
Our client, P.N., felt that 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 over communication with the timeshare company.
SOLUTION
We ship to P.N. a letter from legal representation 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.
BENEFITS FOR THE CLIENT:
P.N. he 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 did not pay.
Case example # 8
SAVINGS M.L. AND HIS FATHER AFTER A SERIES OF UNFORTUNATE EVENTS
LEGAL ISSUE
Our client, M.L., and his 72-year-old father lived together in their home in the Bronx. M.L. she suffered a fall at work that left her permanently disabled. This fact caused her to fall behind on the mortgage because she no longer had an income. Her house was scheduled by her bank to go up for sale in late October, so she reached out to us.
SOLUTION
Because the notice of sale was a "nail and mail" (that is, a notice of sale was posted on his front door) and M.L. He was in and out of the house at the time (and therefore never saw the sign on the door), we filed an Order to Show Cause (OSC) on his behalf and stopped the sale. The OSC and M.L. received a cross-sectional audience.
We decided to suspend the cross hearing for the conciliation conferences because M.L. filed a loan modification. Previously it was denied because there was a third party on the house deed; We file a Waiver Claim Deed (QCD) to remove that person.
The next challenge was that his income was going to drop substantially due to receiving worker's compensation. We were initially denied, but we reapplied for the loan modification on his behalf and obtained an approval which he accepted.
BENEFITS FOR THE CLIENT:
M.L. and her father can stay in her house with a now lower mortgage payment that she can keep up with (even with less income).
Case example # 9
FIGHT TO HELP M.V. KEEP YOUR HOME AFTER YOUR FAMILY HAS TREATED TO A NATURAL DISASTER AND PERSONAL LOSS
LEGAL ISSUE
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 file a motion to compel acceptance of our response or for a cross-sectional hearing to determine if service of process was adequate.
According to the affidavit, the notified person was J.A., a 5'6 ”60-year-old woman with brown hair. However, M.V.'s mother, M.M. He is 87 years old, white hair and only 4'7. We demand a transversal audience. Around the same time, M.V. received a flexible modification with low payments. She accepted a test plan and now awaits permanent modification from her.
SOLUTION
The house of M.V. in Queens it 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 being demolished to rebuild the house.
BENEFITS FOR THE CLIENT:
M.V. and her mother de ella can remain in their home as they continue to rebuild it with lower mortgage payments.
Case example # 10
USE A LOAN MODIFICATION TO KEEP THE WHOLE FAMILY TOGETHER UNDER ONE ROOF
LEGAL ISSUE
J.E. and her husband live in their Bushwick home with four grandchildren, including seven-month-old twins. They contacted us when her house went into foreclosure.
SOLUTION
We attend foreclosure resolution conferences on your behalf for one year. A loan modification request was submitted in December 2015, and although we submitted all required documents, to our surprise we were denied due to missing documents in May 2016. We disputed the reason for 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 $ 4,000 a month. We ask for the specific terms, including interest, and we never receive 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 penalties. The following month, we received a trial modification from HAMP with a payment of $ 3,600 and an interest rate of 2%. J.E. and her husband now have a permanent modification.
BENEFITS FOR THE CLIENT:
J.E. and his family can finally rest assured that they will not have to leave their family home. Now she and her husband can meet their new monthly mortgage payments.
Case example # 11
FIGHTING IN THE COLINA LEGAL BATTLE OF E.M. UNTIL WE WIN
LEGAL ISSUE
Our client, E.M., had a second mortgage of $ 130,000.00 with Citibank.
SOLUTION
In December 2016, we successfully negotiated the debt of E.M. from $ 130,000.00 to only $ 30,000.00. Unfortunately, E.M. had a change in financial circumstances and no longer had the funds to accept the offer. We tried to renegotiate a smaller amount, but the bank did not give in. The bank would also not take care of our loan modification requests. Still, we would not give up. After more back and forth with the bank, the loan was forgiven.
BENEFITS FOR THE CLIENT:
E.M. he was extremely grateful and relieved to be able to stay in his house without the additional debt that caused his house to have a negative net worth.
Case example # 12
GET BACK J.M. AND A MAIN FORGIVENESS OF $ 105,000.00
LEGAL ISSUE
J.M. She stopped paying his mortgage in 2016 due to reduced income. He came to us for help when the bank started foreclosure proceedings.
SOLUTION
First, we file a response to the foreclosure lawsuit to preserve our client's defenses. We then request a loan modification and file a mediation request to seek judicial oversight of the entire process. Our client was approved for a loan modification with a reduction of $ 1,500.00 in his monthly payment. The terms included an interest rate of 2% and a principal forgiveness in the amount of $ 105,000.00.
BENEFITS FOR THE CLIENT:
Our client was able to save his home because he can now afford the new reduced mortgage payments.
Case example # 13
A MAIN FORGIVENESS OF $ 423,000.00 SAVED OUR CLIENTS 'HOME
LEGAL ISSUE
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 represent D.C. and H.B. in negotiations with your mortgage servicer. We overcame numerous backlogs in reviews and mishandling of documents by the bank and finally forced a staggered review by the bank's supervisor. We are proud to say that our legal team accomplished a substantial D.C. home loan modification. and H.B.
BY THE NUMBERS:
Monthly payment before: $ 4,166.34
Monthly payment after: $ 2,199.02
Interest rate before: 8.62%
Interest rate after: 2.00%
BENEFITS FOR THE CLIENT:
A reduction in your interest rate and monthly payment of $ 1,967.00 and a total forgiveness of $ 423,000.00.
Case example # 14
A $ 200,000 + FORGIVENESS AND HEALING PRINCIPLE
LEGAL ISSUE
When Mr. and Mrs. L came to our office in Union City, NJ, they were 3 years behind on their Federal Housing Administration (FHA) loan payments and needed a loan modification to avoid foreclosure. mortgage.
SOLUTION
The process of helping the Ls modify their loan began without a hitch, but then Mr. L passed away. Understandably, Ms. L was devastated. However, just when she had given up hope of staying home, the Cabanillas team received a letter approving a test plan.
After the three monthly payments, Ms. L received a permanent modification with a loan forgiveness of more than $ 200,000 for her debt and a new 2% interest rate set 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: $ 3,531.14
Monthly payment after: $ 2,333.07
Interest rate before: 6.50%
Interest rate after: 2.00%
BENEFITS FOR THE CLIENT:
Interest rate reduction and monthly payment of $ 1,198.01 and total forgiveness of more than $ 200,000.
