Fistel Law Firm
We all know that life is unpredictable, and circumstances often arise which prevent you from meeting the demands of creditors. We are not here to pass judgment on you, or question your integrity, we are legal and real estate professionals who will diligently analyze your individual financial situation and find you a realistic solution which meets your objectives.
For many clients, that means keeping them in their home at any cost, for others it means eliminating the burden of unreasonable mortgage payments and preserving credit . There simply is not one right solution for everyone, and no one can tell you what is right for you without thoroughly analyzing your financial situation. We have no interest in buying your home, refinancing your loan or prospering from your misfortune. We understand the mortgage industry from years of experience, we don't try to fit you into a "program," we design the program for you. If credit cards or medical bills are the problem, we can help with those too.
Our best weapon in the battle with mortgage companies is the Truth in Lending Act ("TILA") and the Real Estate Settlement Procedures Act ("RESPA"). These are guidelines mortgage companies must follow when originating loans. Nearly every residential mortgage loan has TILA and/or RESPA violations which can be used as leverage in negotiations, or litigated.
A few possible solutions include: a modification or restructuring of your current loan to lower your payments, a recapitalization of back payments onto the principal of the loan, a rescission of your current loan, a short sale of your property, a lawsuit against the mortgage company for misrepresentations or a Florida bankruptcy, which often includes a bankruptcy Court mandated restructuring plan. Since Attorney F. Scott Fistel is an experienced Florida attorney, all options can be fully explored.
If the property has become too much of a burden, there are always options which can allow a borrower to just "walk away" from the bad investment without it affecting their financial future through judgments, wage garnishments, bank levies, etc. Frequently this can be achieved through a deed in lieu of foreclosure or, alternatively, a short sale of the property. A hard money bad credit mortgage loan is sometimes an option, but only as a last resort. At the very least, we can help a borrower find an honest investor to work with.
YOUR DEFENSE : There are many people who prey on consumers in distress, please don't become a statistic, let the Law Offices of F. Scott Fistel represent you through this difficult time.
YOUR DEFENSE : Mortgage companies have become much more aggressive in pursuing borrowers for mortgage fraud, if you made overly "optimistic" representations on your loan documents and are now facing foreclosure, it is imperative that you have representation through the foreclosure process…for your own protection.
About F. Scott Fistel
- Practice limited exclusively to Foreclosure Defense and Disaster and Catastrophe Law. Twenty years of experience fighting for "YOU" the individual and small business owners.
- "Advocate of the Year" 1993 & 1997 Broward County Human Rights Division.
- "BV" (High) Rating (indicating he has reached the "height of excellence") by Martindale Hubble Law Directory and is recognized for the highest level of skills and integrity.
- A 1987 graduate of St. Thomas University School of Law in Miami, Florida
- Broward County Court Mediator/Arbitrator Hearing Officer
- Member in good standing of:
- The Bar for the U.S. District Court for the Southern, Middle & Northern Districts of Florida.
- The Bar for the 11th Circuit Court of Appeals
- The Florida Bar Member of Labor & Employment Section.
- American Bar Association 1990-Present
- American Immigration Lawyer's Association (previous member)
- National Employment Lawyer's Association (previous member)
- Self Help for Hard of Hearing Association.
- Gubernatorial Appointment: 1993 - Florida Council for the Deaf & Hard of Hearing
