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What is a Servicer and What is its Role in Foreclosure Trials?

By Jacobs Legal |

If you are in foreclosure—or even if you aren’t but have gotten any type of notices or letters from your bank—you may have noticed that the communications don’t actually come from your bank or from the company that lent you the money originally. Who is this company sending you all this information about your… Read More »

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Our Firm Wins Multimillion Dollar Verdict for Victim in Negligent Security Case

By Jacobs Legal |

When a crime happens on the premises of a business, you may already know that criminal law comes into play, and that the responsible party is, at least in part, the person or people who have committed the crime. But you may not realize that businesses can be sued in civil court for injuries… Read More »

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Our Firm Gets Big Win for Homeowner in Foreclosure Defense Case

By Jacobs Legal |

It’s no secret that the big banks perpetrated some of the biggest acts of fraud on the American people and our economy during the late 2000s, leading to the economic and foreclosure crisis. Although foreclosures are down and the economy has recovered somewhat, many foreclosure cases still linger in the courts, as banks still… Read More »

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Credit Pull Disclosures Must be Conspicuous–But Only If Your Permission is Required

By Jacobs Legal |

It is often suggested that when you apply for credit, and your credit is pulled, it negatively impacts your credit score. One credit inquiry here or there won’t damage an otherwise good credit rating, but loads of them in a short period of time certainly can. That’s why the Fair Credit Reporting Act creates… Read More »

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Push to Amend FDCPA May Have Dangerous Consequences

By Jacobs Legal |

The Consumer Protection Financial Bureau has filed a brief in a Supreme Court case involving the Fair Debt Collection Practices Act (FDCPA). If the Court rules in the Bureau’s favor, the case could be a huge blow to consumers, and a huge benefit to debt collection companies. In addition to the case, which deals… Read More »

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Get the Pros and Cons About Reverse Mortgages

By Jacobs Legal |

You see them all the time on TV–ads for reverse mortgages. They seem like free money. The bank pays you money usually on a periodic basis out of the equity in your home. It’s like a loan, only the loan funds come from the value of your house, and are added onto what you… Read More »

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Case Strengthens Need for Foreclosing Banks to Prove Notice Requirements

By Jacobs Legal |

In the world of contract law, a pre-requisite or a condition precedent is a fancy legal term that means something has to be done before there is a right to enforce an agreement. So, for example, if I say that I must mail you a letter saying you’ve breached an agreement before I can… Read More »

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Do You Need an Attorney to Defend a Collections Lawsuit?

By Jacobs Legal |

So you are being sued on debt and you aren’t sure if it’s worth hiring an attorney or not. Surely an attorney will cost money, but will he or she cost more than what you could pay to resolve the debt? While there are no bright line answers as to when it’s worth hiring… Read More »

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Income-Based Repayment Can Have the Same Effect as Discharging Student Loans

By Jacobs Legal |

If you have a federal student loan, and you’re not making enough to pay your loan payments (or you are completely unemployed), you may be looking for relief from your loans. In fact, you may be looking to explore options to discharge your loans in bankruptcy, or, if your unemployment is caused by medical… Read More »

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Trial Lawyer Bruce Jacobs and Reggie Mattis partner for a big win. Coco’s Night Club to pay 8.7 Million in damages for a party that turned violent.

By Jacobs Legal |

20 Years ago as a young Miami prosecutor, I tried a lot of cases with my old trial partner Reggie Mathis. Reggie went on to become Flo Rida’s General Counsel and I went on to save peoples homes from the largest financial institutions in the world. Last week, we joined forces again to bring… Read More »

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