Alexandra Tracy-Ramirez's Legal Cases (4)

Foreclosure

Bad Faith and Loan Modifications

N/A

OUTCOME: Satisfactory settlement of claims between clients and the lender

A young married couple bought their first house in 2007 but due to the financial crisis were struggling to stay current on the loan. They sought help from their lender, a national bank, but instead of ... help received a two-year long run around from bank representatives. They finally secured a permanent loan modification but a few months later, the bank started returning their payments as "partial payments." We sued the bank for its failure to honor its promises to our clients.

Chapter 7 bankruptcy

Violation of Automatic Stay

N/A

OUTCOME: Judgment set aside, satisfactory settlement

A young woman filed for protection under a Chapter 7 bankruptcy. A month before she was set to receive her discharge and fresh start, a creditor sought and obtained a judgment in a collection lawsuit a ... gainst her, even though the lawsuit was covered by the bankruptcy. We demanded the creditor move to set aside the judgment and compensate our client for the violation of the bankruptcy's automatic stay.

Chapter 7 bankruptcy

Discharge Violation

N/A

OUTCOME: Apology from the bank, satisfactory settlement

We represented a veteran against a national bank for the bank's continued attempts to collect a debt after a discharge in bankruptcy. Our client went through a Ch. 7 bankruptcy, disposing of a house i ... n the process. The bank continued to try and collect mortgage payments and homeowner's insurance from our client, all for a house he didn't own anymore and wasn't responsible for.

Foreclosure

Predatory Lending at its Worst

N/A

OUTCOME: Principal reduction back to the original 2006 amount of the loan, permanent loan modification with lowered interest rate.

Our client is an elderly widow who fell victim to a predatory lending scheme. A scam company representative called her every week for months to befriend her, win her trust, and dupe her into refinancin ... g her house at a 16% adjustable interest rate. Her name was forged, her assets overstated, and she never received her required disclosures. This case spanned almost 3 years as we fought in bankruptcy court, superior court, and finally in federal district court against the scam company and the servicers and bank that took over the loan after scam company went out of business. The case settled and our client and her daughter will be able to keep their family home.

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