Case Studies – Mortgage Expense Lawyers

Real World Solutions: Mortgage Expense Recovery Case Studies

Mortgage Expense Lawyers (Moran Cruz & Associates Lawyers) believes our clients deserve full disclosure, expert counsel, and a fair opportunity to be made whole. Our firm specializes in mortgage expense recoveries and combating abusive banking products throughout the United States. Below is a sampling of case summaries detailing the facts of each client’s case from first consultation to recovery, and how we apply our unique strategies, principles of equity and justice.

Case Study 1: $4,200 in Improperly Charged Mortgage Expenses

Maria and Javier bought their family house in 2017, and paid $7,800 in notary, registry, management, and appraisal expenses related to the mortgage. After reading about potential recoveries, they contacted Mortgage Expense Lawyers for a free evaluation.

Our lawyers carefully reviewed the couple’s mortgage documents and determined that part of the expenses, in the amount of $4,200, were improperly charged, following U.S. and European Court precedents. Mortgage Expense Lawyers filed a customized claim with all required supporting documents and represented their clients while communicating with the bank. The bank declined an extrajudicial settlement agreement, so we initiated a lawsuit.

The court ordered the bank to reimburse the total amount of $4,200 with interest to Maria and Javier. All court fees were covered by Mortgage Expense Lawyers, as customers made no upfront payment. The couple was very content with the recovery of their funds and praised the professionalism and dedication of our team.

Our clients’ trust in our deep knowledge of the law in relation to mortgages and our willingness to assume all court-related fees allows them to claim justice free of charge on their part.

Case Study 2: First Floor Clause Refund-$6,100 Win

Client profile: Thomas G. – Miami, Florida

Situation: When small business owner Thomas found out that his monthly mortgage rates were significantly higher than they should have been, he learned that there was a floor clause (cláusula suelo) hidden in the small print of the contract. In total, he paid over $6,000 too much.

Our Approach: After a close analysis, we helped prepare the claim asserting that the floor clause was abusive, underlining relevant jurisprudence. We were able to carry out the whole process online, making it possible for Thomas to send us documents and receive notifications and information without ever leaving behind his paperwork or his work. The bank contested at first, but our lawyers provided expert testimony to the court.

Outcome: The judge ruled the clause null and void and ordered the bank to return $6,100 in interest and court-related costs. Thomas didn’t pay a cent – our fees were covered by the bank. According to Thomas, “the service was extremely quick and uncomplicated. I felt supported throughout.”

Key takeaway: We give clients across the country the tools and opportunities to challenge abusive financial products with total assurance through online processing and legally-focused know-how.

Case Study 3: Abusive IRPH Clause-$9,300 Recovered

Client: Linda S. – Dallas, Texas

Challenge: Linda had entered into a mortgage with a clause called the IRPH (Índice de Referencia de Préstamos Hipotecarios), which resulted in her paying a higher-than-normal interest rate. The European Court of Justice had found this kind of clause to be abusive, so Linda contacted us hoping to recover her overpayment.

Strategy: We reviewed Linda’s mortgage and calculated an overpayment of $9,300 for the IRPH clause. Our lawyers drafted a detailed claim citing European and U.S. case law. She did not have to deal with negotiations with the bank; our legal team handled all that. The bank would not settle so we brought the case to litigation.

Results: The court ruled in Linda’s favor ordering the bank to pay the complete amount of $9,300 plus statutory interest. As always, Linda did not pay a dime out of her own pocket, our remuneration came from the bank’s payment of court costs. Linda was very happy with our commitment to her case and our thorough knowledge of Banking Law.

Key takeaway: International law knowledge and our client-oriented attention to customer service allows us to recover significant amounts for overpayments made on discrete, lesser-known clauses and cases.

Case Study 4: $2,800 in Revolving Credit Card Debt

Client: Johnson family, Phoenix, Arizona

Issue: The Johnsons were struggling with a revolving credit card payment, and they noticed that the principal of the balance was not going down even though they had been making payments every month. They suspected that interest rates were not valid and called us for assistance.

Our response: We examined the credit card terms and contract and found an annual rate that was higher than rates allowed by law. We filed a complaint to cancel the abusive terms and recover interest overpayments. We kept the Johnsons informed of all developments in the case and handled all communications with the credit provider.

Result: The favorable court ruling resulted in the award of $2,800 in refunded interest and fees to the Johnsons. Mortgage Expense Lawyers paid all court costs, and the Johnsons did not pay anything unless they recovered money. The family was grateful to finally be debt-free and told us that “shooting straight with us,” made it easy for them to regain financial confidence.

Takeaway: By mixing diligent legal work with compassionate, client-conscious attention, we offer protection from predatory lending.

Case Study 5: $1,500 Returned in Microloan Abuse, Stress-Free

Client: Eric P. – Seattle, Washington

Problem: Eric utilized multiple microloans to finance unexpected expenses, then spent far more on fees and interest than he borrowed. Confused and unsure of his rights, he reached out via our web contact form.

Our Solution: Our team of attorneys reviewed Eric’s loan agreements within a day, uncovering several violations of assorted lending laws. We filed a claim for return of the extra taxes and interest, then wrote to the lenders for Eric. As with all our clients, Eric was able to follow along online from the comfort of his own home.

Results: After four months, Eric received $1,500 in refund payments. All attorney fees and costs were covered by us because that is our zero-risk service policy. Eric called the process “as simple and painless as I could have hoped,” and he’s since referred us to friends.

Our Strategy: How We Ensure a High Success Rate for Every Case

All claims start with a free, no-obligation evaluation by our lawyers, who are specialists in banking and financial law. We examine each client’s paperwork in detail, spotting opportunities for recovery even in the most complex or unusual cases. We take care of the paperwork, negotiations, and (when necessary) court proceedings, meaning that clients can rest assured there is zero financial risk or costs to get started. This service is completely tailored: speaking directly to an experienced professional, getting a transparent explanation at every step of the process, and having support 24/7 via email or WhatsApp. We have a 100% track record because we don’t believe in stopping until our clients have got it all back.

Why Are We Your Mortgage Expense Lawyers?

Our client-first, risk-free model sets us apart. Not only are all claims managed by experienced legal professionals, but all court costs are paid. Clients owe us nothing unless they get money. Our deep understanding of US and European banking law means we can challenge the most entrenched banking practices. We can assist you in person here at our Atlanta office or process everything online. We take our promise to be transparent, professional and humane further than any other firm in the legal industry.

Mortgage Expense Recovery FAQs

What do I reclaim? Notary fees, registration costs, management expenses, appraisal fees, and illegal charges related to floor clauses, IRPH, revolving credit card charges, microcredits, etc.
Do I have to pay anything to start? No. Our service costs 0% until you recuperate your funds. We pay all court and legal fees up front.
How long does the procedure take? The majority of cases are resolved in 3-8 months depending on complexity and court records.
Can I manage everything online? Yes. We process everything online and inform you of every procedure electronically. Simple and problem-free for our clients all around Spain.
What if I don’t win the case? You won’t pay anything in case you don’t recuperate your money. Our rates depend only on winning, we only win when we help you.

Need to Get Back What’s Yours? Call Us Today

If you feel you have been overcharged for mortgage expenses or victimized by predatory bank products, don’t waste any more time. Mortgage Expense Lawyers provide professional, risk-free recovery services for individuals and families nationwide. Call us at (678) 362-5419 or email [email protected]. You can also visit us in person at our office at 1230 Peachtree St NE Ste 73, Atlanta GA 30309. Prefer to complete the entire recovery process online? We make it easy with 24/7 availability via email and WhatsApp – Simply share your email address and we’ll get in touch with you with a free, customized assessment. Rest assured that we will recover the costs that you are entitled to, at no out-of-pocket expense to you.