The menu of items that are due to the borrower as a condition precedent to making a claim for repayment is expansive and frankly in many cases is equivalent or nearly equivalent to the total amount of the principal claimed as loan repayment.  Get a consult! 202-838-6345 https://www.vcita.com/v/lendinglies to schedule CONSULT, leave message or make payments. […]

Tags: 12 CFR 226, 15 USC §1635, condition precedent to claim for "repayment", FCCPA, FDCPA, finance charges, FTCA, payment to the borrower, TILA rescission
Posted in Uncategorized |

The FCCPA is one of those statutes that are often missed opportunities to hold the banks and servicers accountable for illegal conduct. It is like “Mail Fraud” which only applies to US Postal Services (the reason why servicers prefer to communicate through Fedex or other private mail carriers. REMEMBER THE ONE YEAR STATUTE OF LIMITATIONS. […]

Tags: borrower, disclosure, FCCPA, Florida Statutes §559.72, foreclosure defense, foreclosure offense, fraud, securitization
Posted in Uncategorized |

FDCPA & FCCPA Claims Gaining Traction: Lessons from Goodin v. Bank of America Across the country, homeowners are increasingly finding success under the Fair Debt Collection Practices Act (FDCPA) and state-level consumer protection laws such as Florida’s FCCPA. A clear example is Goodin v. Bank of America (M.D. Fla.), where Judge Corrigan issued a carefully […]

Tags: actual damages, ATTORNEY FEES, Bank of America, costs, disclosure, emotional distress, FCCPA, FDCPA, foreclosure defense, fraud, Goodin, Medical bills, punitive damages, statutory damages
Posted in Bankruptcy |

For more information please email us at gtchonors.llblog@gmail.com or call 954-495-9867 or 520-405-1688. This is not a legal opinion on your case. It is general information only. Consult an attorney before you make any decisions. ================================== Hat tip to Ken McLeod see Goodin v Bank of America NA I think this case decision should be […]

Tags: conscious disregard, emotional distress, FCCPA, FDCPA, punitive damages
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Banks Use Modifications Against Homeowners Click in or phone in at The Neil Garfield Show Or call in at (347) 850-1260, 6pm EDT Thursdays It is bad enough that they outright lie to homeowners and tell them they MUST be 90 days behind in payments to get a modification. That isn’t true and it is […]

Tags: ATTORNEY FEES, damages, FCCPA, HDC, HOLDER, notice, PARAGRAPH 22 NOTICE, purchase for value, reinstatement, SAMAROO, Wells Fargo, where is the loan contract?
Posted in Corruption, discovery, evidence, expert witness, foreclosure defenses, foreclosure mill, Motions, Pleading, Servicer |