March 13, 2006 E-Alert

chow · Posted: Mon Mar 13, 2006 11:22 am Post subject: March 13, 2006 E-Alert

FEDERAL MORTGAGE e-ALERT©
(March 13, 2006)

JOHN COHEN A MORTGAGE BROKER FROM PLEASANTON, CALIFORNIA ARRESTED FOR POSING AS A DEA AGENT

FACTS

John Cohen, a Pleasanton mortgage broker posing as a narcotics agent entered a secure portion of Coast Guard Island in Alameda last month and sold a guard a Ford Crown Victoria he claimed was a retired police car. That was the first of two in February that attracted real agents from the U.S. Drug Enforcement Agency. On Monday, March 6, 2006 they visited the Manteca home of 37-year-old John Cohen and seized a cache of weapons and law enforcement paraphernalia, along with Cohen.

On Feb. 27, the week after the Coast Guard Island incident, Cohen showed a counterfeit DEA badge to a U.S. Marshal Service security agent while entering a federal building in Sacramento, authorities said. The agent, who was a retired DEA agent, became suspicious. Security detained Cohen minutes after he entered.

Authorities searching Cohen’s home Monday found two handguns, a shotgun, an Oakland Police Department uniform, apparel from the DEA and U.S. Immigration and Customs Enforcement, police equipment including red and blue car lights, forged law enforcement training certificates and several small bags of marijuana, according to a DEA news release. They booked Cohen into Sacramento County Jail on suspicion of several federal offenses, including impersonating a federal agent.

Cohen works for Hilltop Financial Mortgage Inc. in Pleasanton, California. (contracostatimes3706)

MORAL

Did any of you fund any of his loans? Were any of the borrowers DEA agents?

U.S. DISTRICT COURT IN DELAWARE FINDS LENDING TREE VIOLATED PATENT AND JURY AWARDS ALMOST $6 MILLION TO HOLDER

FACTS
IMX, Inc., of Houston Texas received a favorable jury verdict against Lending Tree, LLC for willful violation of its’ provides an Internet-accessible, interactive, real-time network whereby borrowers and lenders exchange information in the pursuit of securing a loan. IMX was awarded $5,794,400 in damages and the company anticipates that the Court will issue an injunction to stop LendingTree's infringement. (OT3/06/06)
MORAL
Is Lending Tree going to go out of business? With almost $6 million in a judgment against it and a possible injunction, it remains to be seen.

DESTROY OR STEAL EMPLOYERS DATA FROM A COMPUTER-GO TO A FEDERAL PRISON OR GET SUED IN ILLINOIS BY EMPLOYER OR BOTH

FACTS

Plaintiff, International Airport Centers, L.L.C., (hereinafter “IAC”) sued its’ ex-employee, Citrin for deleting company data from a laptop it had supplied to him for his work in identifying real estate IAC might be interested in buying. IAC alleged Citrin decided to quit IAC and go into business for himself, in breach of his employment contract.

IAC further alleged before returning the laptop to IAC, Citrin deleted all the data in it—not only the data that he had collected but also data that would have revealed to IAC improper conduct in which he had engaged before he decided to quit. Ordinarily, pressing the “delete” key on a computer (or using a mouse click to delete) does not affect the data sought to be deleted; it merely removes the index entry and pointers to the data file so that the file appears no longer to be there, and the space allocated to that file is made available for future write commands. Such “deleted” files are easily recoverable. But Citrin loaded into the laptop a secure-erasure program, designed, by writing over the deleted files, to prevent their recovery. IAC had no copies of the files that Citrin erased. IAC sued Citrin for violation of Title 18 (The Federal Criminal Code), Section 1030, otherwise known as the “Computer Fraud and Abuse Act.” This code in addition to criminal sanctions that can include up to 20-years in a federal prison allows the injured person to sue civilly for violation of certain of the provisions in the code. The United States District Court in Northern Illinois dismissed the case and the plaintiff appealed.

The 7th District Court of Appeals said . . .

Reversed. Citrin violated section 1030. For his authorization to access the laptop terminated when, having already engaged in misconduct and decided to quit IAC in violation of his employment contract, he resolved to destroy files that incriminated himself and other files that were also the property of his employer, in violation of the duty of loyalty that agency law imposes on an employee. Citrin’s breach of his duty of loyalty terminated his agency relationship (more precisely, terminated any rights he might have claimed as IAC’s agent—he could not by unilaterally terminating any duties he owed his principal gain an advantage!) and with it his authority to access the laptop, because the only basis of his authority had been that relationship. “Violating the duty of loyalty, or failing to disclose adverse interests, voids the agency relationship.” State v. DiGiulio, 835 P.2d 488, 492 (Ariz. App. 1992). “Unless otherwise agreed, the authority of the agent terminates if, without knowledge of the principal, he acquires adverse interests or if he is otherwise guilty of a serious breach of loyalty to the principal.” (International Airport Centers v. Citrin, 05-1522, 7th Cir.3-8-06)

MORAL

If the employee destroys data in your computers or invades them from outside after termination, it is arguable you can file federal criminal charges under this code section and sue him as well. Consult competent legal counsel to determine your rights.

MONTGOMERY COUNTY, MARYLAND LAW NOT ENFORCEABLE PER A JUDGE’S INJUNCTION
FACTS
On March 7, 2006 Montgomery County's new broker ordinance was stopped by a state judge that issued a temporary injunction to halt the law's enforcement for four months, and the Bush administration said the measure usurps federal authority.

This injunction stopped mortgage lenders -- about two dozen of whom have announced that they would suspend making loans in Montgomery.

The legislation, which was to go into effect March 8, 2006 would raise from $5,000 to $500,000 the maximum damages that a lender must pay if a borrower can show discrimination.

The Office of Thrift Supervision (OTS) legal department wrote a legal opinion that savings and loan institutions, which provide home loans, do not have to comply with the local law.

Circuit Court Judge Michael D. Mason ruled that the plaintiffs had "raised questions that are serious, substantive and fair grounds for litigation" and ordered the county to refrain from enforcing the new law until he makes a final decision in the case after a hearing scheduled for early July.

Bush administration banking regulators have said that nationally chartered financial institutions do not need to comply with local predatory lending laws. The Office of the Comptroller of the Currency, which regulates banks, in 2003 said that federal law preempted predatory lending laws passed in New Jersey and Georgia.

More than two dozen lenders, of about 600 doing business in Montgomery, had said they would cease or suspend lending in the county because the law is worded too vaguely and would expose them to financial risk. The new law amends legislation that allows damages against lenders who discriminate against minorities by giving them costlier loans than other borrowers receive or by overcharging them on fees. (washingtonpost.com 3806)
MORAL
Business as usual. If you are governed by OTS, legalized loan sharking is okay and the states, cities and counties can rule the lenders they want but not those governed by OTS. So let me see, If I am a bank or savings and loan, etc., I can charge 29% interest. If I am state regulated, I am lucky if I am able to charge 85 interest. Seems fair to me!
MISSOURI MORTGAGE BROKER TO PAY $15,000 FOR VIOLATING THE DO NOT CALL LAW
FACTS
TE Mortgage Corp. stipulated to paying a $15,000 penalty pursuant to a consent judgment for making telemarketing calls to Missouri citizens that were listed on Missouri’s NO CALL list. TE Mortgage is a mortgage sales and service business in Springfield. (OT3706)
MORAL
Just when you think the Attorneys General are not watching anymore, they pop up. Remember to update your DO Not Call list every thirty days.
LANCASTER, PENNSYLVANIA FEDS GO BACK 8-YEARS TO CONVICT FOR MORTGAGE FRAUD AND ILLEGAL KICKBACKS
FACTS
On March 3, 2006, a federal jury in the Eastern District of Pennsylvania convicted Mickey Allen Weicksel, formally of Lancaster, Pennsylvania on 14 counts of wire fraud, 3 counts of bank fraud and 1 count of conspiracy to commit money laundering He was a partner in a real estate investment company and received more than $4 million in kickbacks in and around Lancaster, Pa. He now faces over 100 years in prison.
According to Patrick Meehan, U.S. Attorney for the Eastern District of Pennsylvania, on March 3 a jury convicted Mickey Allen Weicksel, formerly of Lancaster, of 14 counts of wire fraud, 3 counts of bank fraud and 1 count of conspiracy to commit money laundering. Assistant U.S. Attorney Emily McKillip prosecuted.
Mr. Weicksel and his former partner, Barrylee Paul Beers, operating as Paul-Allen Enterprises, also known as P.A.E, Inc., and P.A.E. Properties, carried out a scheme to obtain loans for the purchase of real estate by providing banks and mortgage companies with false financial information, by misrepresenting the true sale price of the purchased properties and by concealing the fact that sellers had agreed to kick back a substantial part of the sale proceeds to defendants at closing.
From about June of 1997 through around September of 1998, Mr. Weicksel and Mr. Beers purchased more than 100 properties in the Lancaster area and obtained more than $4 million in kickbacks. Mr. Beers previously pled guilty to wire fraud, bank fraud and conspiracy to commit money laundering. His sentencing has been set for May 15. Mr. Weicksel’s sentencing has been set for June 5. He faces a maximum statutory penalty of 180 years imprisonment, followed by five years supervised release, and a fine of $7 million. (OT31106)
MORAL
He gets five years supervised release after 180 years in federal prison! Any one want to bet he does not have to serve the five years of supervised release? By the way notice the offenses occurred 8 years ago. The federal statute allows ten years to file the criminal complaint. Did any of you fund the loans?
FOR THOSE OF YOU THINKING OF DOING LOANS IN TEXAS – READ THE NOTICE YOU MUST GIVE ALL BORROWERS
FACT
NOTICE CONCERNING EXTENSIONS OF CREDIT DEFINED
BY SECTION 50(a)(6), ARTICLE XVI, TEXAS CONSTITUTION:

“SECTION 50(a)(6), ARTICLE XVI, OF THE TEXAS CONSTITUTION ALLOWS CERTAIN LOANS TO BE SECURED AGAINST THE EQUITY IN YOUR HOME. SUCH LOANS ARE COMMONLY KNOWN AS EQUITY LOANS. IF YOU DO NOT REPAY THE LOAN OR IF YOU FAIL TO MEET THE TERMS OF THE LOAN, THE LENDER MAY FORECLOSE AND SELL YOUR HOME. THE CONSTITUTION PROVIDES THAT:

“(A) THE LOAN MUST BE VOLUNTARILY CREATED WITH THE CONSENT OF EACH OWNER OF YOUR HOME AND EACH OWNER’S SPOUSE;
“(B) THE PRINCIPAL LOAN AMOUNT AT THE TIME THE LOAN IS MADE MUST NOT EXCEED AN AMOUNT THAT, WHEN ADDED TO THE PRINCIPAL BALANCES OF ALL OTHER LIENS AGAINST YOUR HOME, IS MORE THAN 80 PERCENT OF THE FAIR MARKET VALUE OF YOUR HOME;
“(C) THE LOAN MUST BE WITHOUT RECOURSE FOR PERSONAL LIABILITY AGAINST YOU AND YOUR SPOUSE UNLESS YOU OR YOUR SPOUSE OBTAINED THIS EXTENSION OF CREDIT BY ACTUAL FRAUD;
“(D) THE LIEN SECURING THE LOAN MAY BE FORECLOSED UPON ONLY WITH A COURT ORDER;
“(E) FEES AND CHARGES TO MAKE THE LOAN MAY NOT EXCEED 3 PERCENT OF THE LOAN AMOUNT;
“(F) THE LOAN MAY NOT BE AN OPEN-END ACCOUNT THAT MAY BE DEBITED FROM TIME TO TIME OR UNDER WHICH CREDIT MAY BE EXTENDED FROM TIME TO TIME UNLESS IT IS A HOME EQUITY LINE OF CREDIT;
“(G) YOU MAY PREPAY THE LOAN WITHOUT PENALTY OR CHARGE;
“(H) NO ADDITIONAL COLLATERAL MAY BE SECURITY FOR THE LOAN;
“(I) THE LOAN MAY NOT BE SECURED BY AGRICULTURAL HOMESTEAD PROPERTY, UNLESS THE AGRICULTURAL HOMESTEAD PROPERTY IS USED PRIMARILY FOR THE PRODUCTION OF MILK;
“(J) YOU ARE NOT REQUIRED TO REPAY THE LOAN EARLIER THAN AGREED SOLELY BECAUSE THE FAIR MARKET VALUE OF YOUR HOME DECREASES OR BECAUSE YOU DEFAULT ON ANOTHER LOAN THAT IS NOT SECURED BY YOUR HOME;
“(K) ONLY ONE LOAN DESCRIBED BY SECTION 50(a)(6), ARTICLE XVI, OF THE TEXAS CONSTITUTION MAY BE SECURED WITH YOUR HOME AT ANY GIVEN TIME;
“(L) THE LOAN MUST BE SCHEDULED TO BE REPAID IN PAYMENTS THAT EQUAL OR EXCEED THE AMOUNT OF ACCRUED INTEREST FOR EACH PAYMENT PERIOD;
“(M) THE LOAN MAY NOT CLOSE BEFORE 12 DAYS AFTER YOU SUBMIT A WRITTEN APPLICATION TO THE LENDER OR BEFORE 12 DAYS AFTER YOU RECEIVE THIS NOTICE, WHICHEVER DATE IS LATER; AND IF YOUR HOME WAS SECURITY FOR THE SAME TYPE OF LOAN WITHIN THE PAST YEAR, A NEW LOAN SECURED BY THE SAME PROPERTY MAY NOT CLOSE BEFORE ONE YEAR HAS PASSED FROM THE CLOSING DATE OF THE OTHER LOAN;
“(N) THE LOAN MAY CLOSE ONLY AT THE OFFICE OF THE LENDER, TITLE COMPANY, OR AN ATTORNEY AT LAW;
“(O) THE LENDER MAY CHARGE ANY FIXED OR VARIABLE RATE OF INTEREST AUTHORIZED BY STATUTE;
“(P) ONLY A LAWFULLY AUTHORIZED LENDER MAY MAKE LOANS DESCRIBED BY SECTION 50(a)(6), ARTICLE XVI, OF THE TEXAS CONSTITUTION;
“(Q) LOANS DESCRIBED BY SECTION 50(a)(6), ARTICLE XVI, OF THE TEXAS CONSTITUTION MUST:
“(1) NOT REQUIRE YOU TO APPLY THE PROCEEDS TO ANOTHER DEBT EXCEPT A DEBT THAT IS SECURED BY YOUR HOME OR OWED TO ANOTHER LENDER;
“(2) NOT REQUIRE THAT YOU ASSIGN WAGES AS SECURITY;
“(3) NOT REQUIRE THAT YOU EXECUTE INSTRUMENTS WHICH HAVE BLANKS LEFT TO BE FILLED IN;
“(4) NOT REQUIRE THAT YOU SIGN A CONFESSION OF JUDGMENT OR POWER OF ATTORNEY TO ANOTHER PERSON TO CONFESS JUDGMENT OR APPEAR IN A LEGAL PROCEEDING ON YOUR BEHALF;
“(5) PROVIDE THAT YOU RECEIVE A COPY OF ALL DOCUMENTS YOU SIGN AT CLOSING;
“(6) PROVIDE THAT THE SECURITY INSTRUMENTS CONTAIN A DISCLOSURE THAT THIS LOAN IS A LOAN DEFINED BY SECTION 50(a)(6), ARTICLE XVI, OF THE TEXAS CONSTITUTION;
“(7) PROVIDE THAT WHEN THE LOAN IS PAID IN FULL, THE LENDER WILL SIGN AND GIVE YOU A RELEASE OF LIEN OR AN ASSIGNMENT OF THE LIEN, WHICHEVER IS APPROPRIATE;
“(8) PROVIDE THAT YOU MAY, WITHIN 3 DAYS AFTER CLOSING, RESCIND THE LOAN WITHOUT PENALTY OR CHARGE;
“(9) PROVIDE THAT YOU AND THE LENDER ACKNOWLEDGE THE FAIR MARKET VALUE OF YOUR HOME ON THE DATE THE LOAN CLOSES; AND
“(10) PROVIDE THAT THE LENDER WILL FORFEIT ALL PRINCIPAL AND INTEREST IF THE LENDER FAILS TO COMPLY WITH THE LENDER’S OBLIGATIONS UNLESS THE LENDER CURES THE FAILURE TO COMPLY AS PROVIDED BY SECTION 50(a)(6)(Q)(x), ARTICLE XVI, OF THE TEXAS CONSTITUTION; AND
“(R) IF THE LOAN IS A HOME EQUITY LINE OF CREDIT:
“(1) YOU MAY REQUEST ADVANCES, REPAY MONEY, AND REBORROW MONEY UNDER THE LINE OF CREDIT;
“(2) EACH ADVANCE UNDER THE LINE OF CREDIT MUST BE IN AN AMOUNT OF AT LEAST $4,000;
“(3) YOU MAY NOT USE A CREDIT CARD, DEBIT CARD, SOLICITATION CHECK, OR SIMILAR DEVICE TO OBTAIN ADVANCES UNDER THE LINE OF CREDIT;
“(4) ANY FEES THE LENDER CHARGES MAY BE CHARGED AND COLLECTED ONLY AT THE TIME THE LINE OF CREDIT IS ESTABLISHED AND THE LENDER MAY NOT CHARGE A FEE IN CONNECTION WITH ANY ADVANCE;
“(5) THE MAXIMUM PRINCIPAL AMOUNT THAT MAY BE EXTENDED, WHEN ADDED TO ALL OTHER DEBTS SECURED BY YOUR HOME, MAY NOT EXCEED 80 PERCENT OF THE FAIR MARKET VALUE OF YOUR HOME ON THE DATE THE LINE OF CREDIT IS ESTABLISHED;
“(6) IF THE PRINCIPAL BALANCE UNDER THE LINE OF CREDIT AT ANY TIME EXCEEDS 50 PERCENT OF THE FAIR MARKET VALUE OF YOUR HOME, AS DETERMINED ON THE DATE THE LINE OF CREDIT IS ESTABLISHED, YOU MAY NOT CONTINUE TO REQUEST ADVANCES UNDER THE LINE OF CREDIT UNTIL THE BALANCE IS LESS THAN 50 PERCENT OF THE FAIR MARKET VALUE; AND
“(7) THE LENDER MAY NOT UNILATERALLY AMEND THE TERMS OF THE LINE OF CREDIT.
“THIS NOTICE IS ONLY A SUMMARY OF YOUR RIGHTS UNDER THE TEXAS CONSTITUTION. YOUR RIGHTS ARE GOVERNED BY SECTION 50, ARTICLE XVI, OF THE TEXAS CONSTITUTION, AND NOT BY THIS NOTICE.”
MORAL
If what I put in boldface does not discourage you, nothing will.

WASHINGTON STATE PASSES MORTGAGE BROKERS ACT EFFECTIVE JANUARY 1, 2007
FACTS
House Bill 2340 has been passed. Mortgage brokers become the only State-certified and licensed mortgage professionals available to consumers. Entitled the Mortgage Brokers Practices Act it allows the Department of Financial Institutions five years to examine mortgage brokers from the time they open for business among other things. (OT3106).
MORAL
Mortgage Fraud is so epidemic it remains to be seen if the State can successfully combat it with this new law.
SEMINARS

MARCH 16, 2006: 9:00 a.m.-1:30 p.m.

Updates on laws and regulations affecting real estate broker and salesperson licenses. Do Mortgage Brokers have to pay loan officers, processors and assistants Minimum Wage and overtime?

Location; Wyndham Hotel-1350 North First Street, San Jose, CA

DRE Commissioner Jeff Davi is speaking as well as Attorney Herman Thordsen. Commissioner Davi is speaking on DRE data, regulations, laws and compliance. Herman Thordsen will be speaking on Wage and Hour laws affecting the mortgage broker and why loan officers as employees have to be paid minimum wage and possibly overtime. A syllabus will be given to the attendees.

APRIL 21, 2006 – 9-12

How to Survive an MLD Audit without losing your license.

Location: Old Republic Title, 140 N. Stephanie, Henderson, Nevada

Registration: Dennis Wentworth- (702) 283-3717; Dennis@DennisWentworthTrainingSeminars.com

1-4:30 - TILA-RESPA Updates. Updated laws, regulations and cases from 2005 to February 2006 including how to do high-rate high fee loan without violating Section 32 of Reg;, what is and is not a kickback; how to legally give someone a fee in a cooperative brokerage without violating RESPA and cases where brokers, loan officers and real estate salespeople have been disciplined and fined by RESPA Police for accepting kickbacks.
Location: Wells Fargo Home Mortgage (Wholesale Division)
3650 Jones Blvd., Suite 11, Las Vegas, Nevada
Registration: Dennis Wentworth- (702) 283-3717; Dennis@DennisWentworthTrainingSeminars.com

The two seminars are accredited in Nevada for renewing your MLD license. They may or may not be accredited for other state licensing renewals. Please check with the agency that issues your license.

MAY 16, 2006 - 5:30 p.m.- 8:30 p.m.

Employee Labor Laws and Regulations affecting mortgage Brokers and Bankers. The necessity to pay overtime to employees, underwriters, loan officers, processors and others. A syllabus will be given to all attendees.

Tony's Seal Landing, 13612 Newport Ave., Tustin CA –Dinner Meeting

TOPIC

Labor laws and regulations affecting mortgage brokers and bankers and the necessity to pay overtime to employee underwriters, loan officers, processors and others. A syllabus will be given to each of the attendees.

Call Loretta Lee to Register at 714-662-4990. Checks payable to Association of Professional Mortgage Women. Registration cost is $45 including manual.

THE INFORMATION HEREIN IS NOT LEGAL ADVICE.
AN ATTORNEY SHOULD BE CONSULTED IF YOU DESIRE LEGAL ADVICE.

If you want to make certain you receive our e-mails you must put our e mail address in your address book. Otherwise, AOL among other servers may reject the message and you will not receive the information.

Herman Thordsen

IF YOU HAVE TROUBLE WITH:

• MORTGAGE FRAUD
• NEVADA MORTGAGE LENDING DIVISION AUDITS
• HUD AUDITS AND THE MORTGAGEE REVIEW BOARD;
• LICENSING IN THE VARIOUS STATES
• DEPARTMENT OF REAL ESTATE AUDITS OR LICENSE DISCIPLINARY MATTERS
• DEPARTMENT OF CORPORATIONS AUDITS OVER CFL OR RMLA LICENSES;
• MINIMUM WAGE OR OVERTIME LAWS

Please contact Herman Thordsen toll free (888) 667- 8529.
Go to www.lendinglaw.com and upcoming events for further details.

Herman Thordsen and his firm are the attorneys for numerous mortgage brokers and lenders, both in California and nationally as well as the attorneys for trade associations including Central Coast Chapter-- (CAMB), Central Valley Chapter-- (CAMB), Inland Empire Chapter-- (CAMB), North Bay Chapter-- (CAMB), North San Diego Chapter—(CAMB), San Diego Chapter --(CAMB), Silicon Valley Chapter-- (CAMB). He is a member of the Advisory Board of the Mortgage Banking and Real Estate Appraisal Programs at California State University, Fullerton.

In the past, the firm has represented the Nevada Association of Mortgage Brokers. Mr. Thordsen has been a member of the California Department of Real Estate Solicitation Task Force Committee, the California Department of Motor Vehicles Anti-Fraud Task Force.

Mr. Thordsen is a syndicated columnist for Broker Universe, a division of Thomson Media as well as publishing monthly columns for the San Diego Chapter-CAMB and is a responding attorney for RESPANEWS.com. He conducts seminars on Federal and State mortgage loan compliance issues that cover HUD, RESPA, TILA, PREDATOREY LENDING, NEVADA and CALIFORNIA.. He authors numerous manuals and articles on HUD Audits, California Department of Real Estate Audits, Nevada Mortgage Lending Division Audits, Truth in Lending, RESPA, Mortgage Fraud and Predatory Lending. His most recent publication is on loan officer minimum wage and overtime laws.

Mr. Thordsen is an invited guest speaker before trade groups, and has been a guest speaker on HUD audits before the Clark County Bar Association, Las Vegas Nevada and the Nevada Association of Mortgage Brokers Education Committee. He has been a guest speaker along with the FBI as invited guests on mortgage fraud issues as well as California Department of Real Estate and Nevada Mortgage Lending Division audits.

The firm regularly represents brokers and lenders before licensing agencies including the HUD-FHA Mortgagee Review Board (MRB), HUD Home Ownership Centers, California Office of Administrative Hearings, and the Nevada Mortgage Lending Division. This representation includes those charged with violation of federal and state mortgage laws or the withdrawal of FHA/HUD approval and the threat of paying civil penalties to HUD.

The firm represents those accused of civil and criminal Mortgage Fraud and other white-collar crimes such as wire fraud and mail fraud in federal court actions filed by the Office of the United States Attorney and others.

We represent our clients in employee labor disputes before various labor boards including minimum wage, overtime and unemployment compensation issues.

The firm’s attorneys are successful in recovering damages for clients in personal injury lawsuits.

If we may be of service in these areas of personal injury, probate, or estate planning and asset protection, please contact us, and an attorney will discuss the matter with you.