Bankruptcy Case Results
Debtor had four investment properties in foreclosure and over $1,000,000 in debts. Result - L&N filed bankruptcy, protecting Debtor from foreclosures; discharging her debts and paying only less than $10K back over three years. L&N sues two aggressive mortgage companies for unlawful debt collection; both settled.
8:08-bk-07340; Pinellas County 08-5360-CO and 09-2684-CO
Debtor has over $1.2 million in total debt and was facing multiple foreclosure. Result - L&N filed Chapter 13 bankruptcy protecting Debtor's assets from liquidation, paying a fraction of Debtor's debts back over a five year period.
8:08-bk-11397
Debtor came to L&N for bankruptcy consultation. Attorney identified many unlawful, harassing calls at work. Result - L&N files two state court creditor harassment lawsuits. Cases settled. Debtor uses proceeds to pay for bankruptcy attorneys' fees.
Pinellas County Cases: 09-3545-CO and 09-3543-CO
Debtor had $519,721.00 in commercial, unsecured debts; closely held family (service-based) business. Result - L&N files Chapter 7 bankruptcy, discharging debts and protecting Debtor's assets. L&N later files "zombie" debt collection lawsuit against creditor and debt collector trying to collect discharged debt. Lawsuit settled.
8:07-bk-02822 and Federal Case: 8:08-cv-206-EAK-EAJ
Debtor had $9,816,723.11 in commercial, unsecured debts; Debtor has $151,000.00 liquid assets held tenants by the entireties ("TBE") with spouse; Result - Debts discharged and TBE assets entirely protected. Debtor gets fresh start to start new veteran owned business.
8:09-bk-10040
Debtor retains L&N for Chapter 13 bankruptcy. After retaining for BK, L&N identifies multiple aggressive debt collectors. Result - two state court lawsuits filed and settled; net proceeds used by client to pay for bankruptcy.
Pinellas County Cases: 08-5362-CO; 08-945-SC and 8:09-bk-06588
Debtor had $116,824 in unsecured debts and a $135,045 second mortgage. Debtor was in default and facing foreclosure. Result - L&N stops foreclosure, strips second mortgage off home and confirms bankruptcy plan paying a fraction of unsecured debts. Debtor keeps home and does not have to pay second mortgage.
8:09-bk-04270; Pinellas County Case: 09-4636-CO
Debtor has $59,446.00 unsecured debts and non-exempt assets. Result -- L&N protects Debtor's assets, discharges her debt and files an adversary proceeding against aggressive creditor and debt collectors harassing Debtor; Lawsuit settled.
8:09-bk-03822 and 8:09-ap-413-MGW
Debtor has $30,530.00 in unsecured debts. Result - L&N discharges debts and protect possessions; Debtor gets "fresh start." L&N files creditor harassment lawsuit two years later against debt collector who refuses take discharged debt off credit report.
8:07-bk-00475 and Pinellas County Case: 09-CC-4054
Debtor sued by bank for foreclosure on three South Beach Condos. Result - L&N defended lawsuits and simultaneously negotiated short sales on all three properties; Debtor paid nothing to mortgage companies and avoided bankruptcy.
Miami-Dade County Case No.'s: 08-10862-CA-10; 08-CA-29369; 09-62106-CA
Debtor called by debt collector lying about lawsuit filed and alleging police are coming to apprehend him at work; Debtor contemplates suicide; Result - L&N files suit against debt collector and underlying creditor alleging actual damages and seeking elimination of debt and attorneys fees. Debtor avoids BK filing.
Pinellas County Case No.: 07-9839-CO
Debtor files for chapter 7 bankruptcy protection. L&N claims mobile home as exempt using non-homestead exemption. Trustee challenged Debtor's use of super personal property exemption. Result - Debtor prevails and may use $5,000.00 super personal property exemption AND mobile home exemption. No asset case.
8:07-bk-08495
Debtor sued by bank for foreclosure. Result - L&N moved to dismiss bank's case for failure to provide promissory note or prove standing to bring lawsuit; Result -- negotiated waiver of deficiency. Debtor paid nothing to mortgage company and avoided bankruptcy.
Pasco County Case No.: 08-CA-5463
Debtor sued by bank for foreclosure. Result - L&N moved to dismiss bank's case for failure to provide promissory note; Result - L&N negotiated waiver of deficiency. Debtor paid nothing to mortgage company and avoided bankruptcy.
Hillsborough County Case No.: 08-CA-15965
Debtor was repeatedly called by debt collectors at work; As a result of calls, he was suspended and eventually fired; Debtor faced foreclosure due to loss of income caused by unlawful calls. Result - L&N defends foreclosure and counter-sues for creditor harassment under the FCCPA. Debtor lives in home mortgage free; results pending.
Pinellas County Case No.: 09-7440-CI
Client repeatedly called on cell phone by auto-dialer using a pre-recorded voice. This is a case of mistaken identity. Result - L&N files suit against unlawful collector and creditor under FCCPA, FDCPA and the TCPA seeking treble damages for unlawful calls. Case settled.
Federal Court 8:09-cv-1712-AEP