Introduction

Introduction

xiii

The goal of this book is to assist attorneys throughout the country

in their practice of foreclosure defense law. As most Americans

know, our country is in the midst of a foreclosure epidemic which

has settled more in certain states than others but affects us all none-

theless. This book is about how homeowners all across this coun-

try can save their homes and how we as lawyers can help them.

There are things we can do for homeowners that they cannot do

for themselves.

I have worked in litigation for almost 14 years and am going

on my third year in the foreclosure field. I am not a mortgage

broker, a title examiner, or a financial expert, and I don’t pretend

to be one. I was an American Studies major at Rutgers College

and have always been fascinated by American culture; this crisis

seems to be a crucible that reveals who we really are. That is not

to say that everyone working for the banks to prosecute foreclo-

sures wants to be on that side; I know, as I used to be one of them.

I have been on all sides of this mortgage crisis in Florida, one of

the worst foreclosure war zones. I have represented banks and

handled as many as 500 litigation foreclosure files at a time.

WhatThis Book Is and Is No t

I am only licensed to practice in Florida, so what applies here may

not apply in your state, and none of the information or proposed

forms contained in this book are legal advice, as everyone’s situ-

ation is different; all content in this book is supplied for informa-

tional purposes only.For each issue, consult the rules and law of

the appropriate jurisdiction, which may also be constantly chang-

ing. Readers are also cautioned to review any subsequent history,

whether positive or negative, of all authorities cited herein.