Mortgage Expense Lawyers

Terms of Service

Introduction

Welcome to the Terms of Service page of Mortgage Expense Lawyers (Moran Cruz & Asociados Abogados). By linking to our website (https://abogadosgastoshipoteca.com/) and/or by using our services in obtaining refunds for expenses paid on your mortgage, for abusive banking products or services, or in reaching out for similar legal counsel, you are indicating that you have read, understood, and accepted the following terms of our service. These terms and conditions govern your use of our website, the services offered by our attorneys on our site, and the working relationship between you and our firm. It is very important to us that you understand that by continuing to use our services you are accepting these terms. If you do not accept these terms, simply refrain from using our services. Our firm strives to deliver efficient, lawful, client-centered legal services for individuals and families in the United States.

Terminology

For the purpose of these Terms of Service, the following terms are defined as follows:

  • Firm, we, us or our refers to Mortgage Expense Lawyers (Moran Cruz & Associates Lawyers), including its lawyers, collaborators, and representatives.
  • Client, you or your means any person or entity that visits our site, or uses any of our Services to recover mortgage expenses or request advice about an abusive bank product.
  • Services means legal advice and consultation, claim management, representation at trial, and other legal actions to recover a mortgage expense, floor clause, IRPH, revolving credit card, microloan, opening fee and other abusive bank products.
  • Website means https://abogadosgastoshipoteca.com/ and all free and paid digital platforms whose ownership or administration correspond to the firm.
  • Engagement means the representation agreement entered by the client and the firm to litigate a claim or provide legal advice.

Agreement to Terms

By accessing or using our website or by engaging us, you have read, understood and accepted that you are bound by these Terms of Service (“Terms”), including our Privacy Policy available on our Site (collectively “Terms of Use”). You may use our Services only if you are in full agreement with the provisions of these Terms. These Terms form a binding agreement between you (on behalf of yourself and the company you represent) (“Customer”) and us. If you enter into a contract using these Terms on behalf of another person or entity, you represent and warrant that you have full authority to bind such person or entity to these Terms. Do not use our Services until you have fully read, understood and accepted these Terms.

User Eligibility

Eligibility to Use the Services

Our services are made available exclusively to individuals and legal entities that are resident or domiciled within the United States with foreclosure actions or who have previously executed mortgage contracts or were subject to predatory banking instruments. You represent and warrant that you are over the age of 18 (or the applicable age of majority in your jurisdiction) and otherwise have legal capacity to enter into binding contracts.

Our Services

Mortgage Expense Lawyers specializes in recovering mortgage expenses and abusive banking products. Among other services, we offer:

  • Claims for free mortgage-related expenses (notaries, registry, management, appraisal)
  • Floor clauses claims
  • Abusive IRPH claims declared by EU courts
  • Revolving credit card claims
  • Microloans claims and handling opening fees
  • Abusive and preferred banking products advice
  • Personalized legal procedures, online/offline at any point in the United States

We’ll take care of everything: from the first consultation to the final payment of your claim, covering all court and processing costs. Our lawyers are highly specialized and we have a proven success rate in banking law claims.

Client Engagement and Representation

Client engagement begins when you reach out to us by telephone, email, website or personal visit and agree to retain our services. Once we are engaged, all matters in your case will be handled by a qualified attorney who will review your circumstances with you, explain the process and guide you through each step of the process. Our legal services involve preparation of necessary documentation, filing appropriate claims or demands, negotiating with lenders or financial institutions and, if necessary, representation in court. Case updates will be given routinely as necessary or available. You can withdraw your engagement of us at any time by providing us written notice of withdrawal, subject to applicable terms set forth below.

Services Model and Compensation

We work on a strict no-win, no-fee basis. There are no upfront payments, percentages or management fees. All court and process costs are fully covered by Mortgage Expense Lawyers. Our payment is fully from court costs and lawyers fees awarded by the condemned bank or financial institution. You must not pay us unless the claim is successful and damages proceeds are payable. In the unlikely event that you do not recover, you do not pay us anything. This means our interests are aligned and transparency and protection of the client are paramount at all times.

Client Obligations

  • Submit accurate, complete, and up-to-date personal and case information
  • Provide all required documentation to our staff in a timely manner
  • Respond to your attorneys’ and staff’s requests for information promptly
  • Notify us of any changes in your contact and status information or material facts
  • Cooperate fully with our attorneys during the entire claims process

If you fail to live up to these duties, it could delay, prevent or end our representation.

Use of Website

This website helps you learn about our services and offers the opportunity for you to interact with our lawyers. With respect to the use of the website, you will at all times act in compliance with laws and these Terms of Use. You will not:

  • Use the website to violate any law or in furtherance of illegal activity
  • Transmit, upload or post any viruses, Trojan horses or other disruptive code
  • Disrupt or interfere with the security, integrity or performance of the website or our systems
  • Attempt to circumvent any security measure or bypass any privacy or security controls
  • Use automated means (including bots, crawlers, spiders, scripts or agents) to scrape the website, collect information from our systems or interact with the website

We may suspend or terminate your access to or use of this site at any time for any reason.

Confidentiality and Data Protection

As your lawyers and advisors, Mortgage Expense Lawyers recognize the importance of protecting your privacy and viewing and treating all information (personal and case information) as absolutely confidential. What you tell us, either confidentially through this site or in the process of having us represent you, is treated as confidential and will be handled pursuant to our Privacy Policy and all local and federal laws. To protect your electronic information, we maintain all of our computer systems in secure environments that are protected against malware, viruses and external intrusion. We will not share or sell any information regarding you or your matters with any third party except when required to do so by law or with your explicit consent.

Notices and Communications

Using our services you consent to receiving messages from us via telephone, email, WhatsApp, and other types of digital correspondence at the number(s) and/or address(es) provided by you. Messages may include important communications, document requests, status updates, legal notifications, and related items. You are required to access those communications on a regular basis and respond as appropriate in a timely manner. Your preferred method of contact may be changed at any time by providing notice to our firm. Any communications which are urgent or that involve time sensitive matters will be administered by the quickest method available.

Third-Party Services and External Links

Our website may contain certain links to third party websites or resources. Such links are provided for your convenience only. Such third party websites and their contents are not under the control of Mortgage Expense Lawyers and Mortgage Expense Lawyers is not responsible or liable for any of their contents, privacy policies, or any services that may be provided. Any use of such third party sites is at your own risk: we advise you check the terms and conditions and privacy policy of any third party site you visit.

Intellectual Property Rights

All materials contained on or indexed from this website, including, but not limited to, all textual content, photos, images, product and service names, logos, company names, trademarks, and other proprietary designations of Mortgage Expense Lawyers are the property of MORTGAGE EXPENSE LAWYERS or licensed for our use. You may not copy, reproduce, distribute or republish in any format any of our content without written permission. Illegal use of the Mortgage Expense Lawyers intellectual property is subject to civil and/or criminal prosecution.

Limitation of Liability

While every effort has been made to provide accurate information and high quality legal services, Mortgage Expense Lawyers make no guarantee or promise that specific results will be achieved or a certain amount will be recovered. Mortgage Expense Lawyers shall not be held liable for direct, indirect, incidental, consequential, or punitive damages resulting from your use of this site, reliance upon the information on this site, or your engagement of the services of Mortgage Expense Lawyers to the fullest extent permitted under the law. The liability of Mortgage Expense Lawyers shall be limited exclusively to the fees awarded when successful with a Claim as listed in the Service Model & Fees section on this site.

No Lawyer-Client Relationship Absent Engagement

Use of our Website and Purported Engagement. Mere use of our Website and/or submission of an inquiry or proposal to our firm does not form an attorney-client relationship. An attorney client relationship is formed only upon mutual agreement and completion of our standard engagement procedures, including acceptance of these Terms of Service. Thereafter, and before or pending the execution of a written engagement letter, no legal advice will be rendered and no obligations will be owed (or assumed) to you by the firm.

Termination of Services by Client

You can terminate our services at any time, with or without cause, by providing us with notice in writing via email at [email protected] or by phone at (678) 362-5419. If your work is terminated, we will immediately cease all legal work on your case, returning to you any and all original documentation you provided us, subject to applicable mandatory Bar Rules and Rules of Court. If there is a pending claim or case or a pending account receivable about to be collected at the time your account is terminated, you may owe us reasonable costs incurred at that time for that pending matter as provided for in your engagement letter.

Firm’s Right Not to Represent or Continue Representation

  • Client submits incomplete, inaccurate, or misleading information
  • Client fails to cooperate or communicate in a timely fashion
  • The claim lacks legal merit or is otherwise unsupported
  • Continued representation may result in violation of ethics rules or other obligations

In any such instance, we will send you prompt notice and, if applicable, your records are returned to you with other instructions.

Modifications of Terms of Service

We can update or make changes to these Terms of Service from time to time as needed to reflect changes in our practices, services, or applicable law. Revised terms will be posted on our website with an effective date clearly marked. When you are using the website or other services after changes to these terms have gone into effect, it means that you accept the changes that we made to these terms. Note that you should check this page from time to time for updates.

Arbitration and Applicable Law and Jurisdiction

Any controversy arising out of or related to your use of our services or these Terms of Service shall be determined by good faith negotiations between you and Mortgage Expense Lawyers. If such a controversy cannot be resolved, any dispute shall be exclusively governed by the courts sitting in Atlanta, Georgia, unless required by law in which case governing jurisdictions may vary. These Terms of Service shall be construed according to the laws of the State of Georgia and the United States.

Indemnification

You shall indemnify, defend and hold Mortgage Expense Lawyers, their partners, members, attorneys, staff or other agents, employees or representatives harmless from and against any and all losses, actions, proceedings, claims, damages, judgments, suits, costs or other expenses of every kind or nature (including reasonable attorneys’ fees), incurred by Mortgage Expense Lawyers or on behalf of Mortgage Expense Lawyers and arising from your breach of these Terms of Service, your improper use of the website or your violation of any law or the rights of any third party.

No Representations, No Oral or Implied Warranties

Mortgage Expense Lawyers provides services on a best-efforts basis, and makes no promise that a particular result, timing, or amount of money will be obtained. Past performance is indicative only and not necessarily reflective of future success. Lawyer makes no warranties, representations, or guarantees as to the completeness, correctness, or reliability of information contained within the website or its communications. All information is provided on an “as is” basis without warranty of any kind.

Force Majeure

We are not liable for any failure or delay in performance of our obligations under these Terms of Service that result from causes outside of our reasonable control, including, without limitation, natural disasters, acts of war or terrorism, government action, labor protest, or resumption of interrupted communication or transportation services.

Severability

Any provision in these Terms of Service that is held to be invalid, illegal or unenforceable by a court of competent jurisdiction will remain in full force and effect, and said invalid provision will, at our sole option, be replaced with a valid provision that most closely reflects the intention of the original provision.

Entire Agreement

These Terms of Service and our Privacy Policy-together with any specific engagement letters-are the exclusive terms that control the relationship between you and Mortgage Expense Lawyers with respect to your use of our website and services. It supersedes all previous communications, representations, or agreements, oral or written.

Notice Information

If you have any questions regarding these Terms of Service, or if you would like to exercise your rights, you can ask us using the following methods:

  • Office opening times: Monday to Saturday from 9.30 a.m to 9.00 p.m
  • Online support times: On the internet via email and by WhatsApp, 24/7

We will always make every effort to respond to your queries as quickly and accurately as possible.

Acceptance

By visiting our site or purchasing X, Y, & Z service you acknowledge that you have read, understood and agree to these Terms of Service. You further represent that you are of legal age and have the authority to enter into this agreement and that any information you submit is accurate and true. Thank you for giving Mortgage Expense Lawyers (Moran Cruz & Associates Lawyers) the opportunity to assist you in recovering your mortgage expenses and defending your rights against abusive bank products.

Disclaimer: All of the statements are true and accurate and sufficient to support an action for breach of the agreement.