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New report confirms serious problems with Board of Revisions seizures, homeowners and local governments have lost millions in value and revenue

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Elliot Feltner lost thousands of dollars in value when the Cuyahoga County Board of Revision seized his property.

The Ohio Center for Investigative Journalism just published an article that documents the severe problems afflicting Ohio’s Board of Revision (BOR) foreclosure process. According to the story, published in the Center’s “Eye On Ohio” investigative reporting series, the BOR foreclosures have cost local governments, homeowners, and banks at least $91 million over the past 13 years. The process, created by the Ohio General Assembly in 2006, enables BORs to cease properties without going to court. In most cases, the properties are then deeded over to county land banks.

DannLaw founder and former Ohio Attorney General Marc Dann who has filed suit on behalf of a number of property owners victimized by the process, says the law, not the members of the BORs utilizing it are at fault. “BOR members are working hard to improve their communities, but the law they’re using is unconstitutional,” he said. “People across the state, banks, and local governments are losing millions. This simply can’t be allowed to continue.”

One of Dann’s clients, Elliot Feltner, is profiled in the story. After dealing with a number of personal tragedies, including the death of this father-in-law and wife, Mr. Feltner learned that a number of tax liens had been filed against the auto body shop he inherited after they passed away. He didn’t have the money to pay the back taxes so he put the building on the market and was going to use the proceeds from the sale to pay off the liens. There was only one problem: he didn’t own the building. To his complete surprise, the BOR had foreclosed on the property, which was valued at more than $140,000, and given it to a private company. If Mr. Feltner had been able to sell the building local governmental entities, including the county and the local school district, would have received nearly $70,000 in taxes and interest. Instead, they and Mr. Feltner got nothing.

DannLaw sued Cuyahoga County’s Board of Revision on Mr. Feltner’s behalf. The Ohio Supreme Court is expected to hand down a ruling soon.

Unfortunately, what happened to Mr. Feltner is far from an isolated incident. Research by DannLaw and the reporters who wrote the “Eye on Ohio” story revealed that thousands of Ohioans have been victimized by the BOR process. You can read the report here.

If you or someone you know has lost a residential or business property to a BOR foreclosure, we urge you to call DannLaw at 216-373-0539 to arrange a no-cost consultation today. We are eager to evaluate your situation and, if appropriate, take legal action to help you secure justice and just compensation for your loss.

Marc Dann urges Senate to stand up for victims of rape and sexual assault, testifies in favor of bill to eliminate the criminal and civil statutes of limitations

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I have dedicated my entire legal career to helping people who have been hurt, scammed, cheated, or victimized seek and secure justice. I’m proud to say I’ve done just that at my first small law firm, as an Ohio State Senator, Ohio Attorney General, and now as the founder of DannLaw. That’s why I seized the opportunity to urge the members of the Ohio Senate Judiciary Committee to first strengthen and then pass SB 162 which would eliminate the criminal and civil statutes of limitation for rape and sexual assault.

The changes called for in the bill are both much-needed and long overdue. I’m pleased to share my testimony with all of you and to urge you to contact your state legislators and ask them to support this important measure. You may also watch my presentation to the Committee on the Ohio Channel.

Good morning, Chairman Eklund, Ranking Member Thomas and members of the Committee. I am here today to express my support for Senate Bill 162 which would eliminate criminal and civil statutes of limitations for rape. I want to thank my State Senator Nikki Antonio and Senator O’Brien who represents the district I once held for continuing the work I and colleagues of both parties began in this very room in 2005. Passage of this much-needed and long-overdue legislation would represent a monumental step toward securing justice for victims and imposing justice upon those who have escaped punishment and evaded accountability for their monstrous acts simply because they have managed to run out the statutory clock.

I first learned about the terrible physical and psychological pain victims endure when I led the effort to pass Senate Bill 17 while serving as the Ranking Member of the Senate Civil Justice Committee. After listening to the harrowing and heart-wrenching testimony of women and men who had been sexually abused as children, both the Committee and the Senate unanimously passed the bill which included a provision that extended the civil SOL for sexual assault to 17 years.

Unfortunately, in one of the ugliest and most destructive displays of the negative impact big-money donors can exert in the state’s pervasive “pay-to-play” culture, the nation’s multi-billion-dollar insurance companies placed the pursuit of profits ahead of the interests of victims and succeeded in stripping the civil SOL extension from SB 17 when it reached the House.

I learned even more about the grave challenges victims of sexual assault endure while serving as Ohio’s attorney general. I, like everyone who has had the privilege of serving in that position, devoted much of my time to ensuring that law enforcement had the resources needed to pursue, prosecute, and incarcerate offenders. Although I’m proud of all that I, my staff, and the AGs who preceded and succeeded me have done to ensure that offenders are prosecuted and incarcerated, anyone who truly cares about victims knows we must do more than throw their rapists in jail. We must provide them with the opportunity to seek just compensation for the severe physical and psychological injuries most will suffer for as long as they live.

I applaud Senators Antonio and O’Brien and co-sponsors Craig, Fedor, Kunze, Lehner, Maharath, Sykes, Thomas, Williams, Yuko for opening the courthouse door that was slammed shut in the faces of thousands of victims in 2005.

But today, 14 years after SB 17 was eviscerated by the insurance industry, we need to do more than lift the civil SOL applicable to offenders. That’s because sexual predators like Larry Nassar, Jerry Sandusky, Richard Strauss, Jeffrey Epstein, abusive priests, and others are judgment-proof due to the fact that they are broke, dead, or both.

But institutions like the Catholic Church, U.S.A. Gymnastics, Penn State, Michigan State, and the Ohio State University along with the powerful officials who looked the other way as monsters under their control abused innocent victims can and should be held accountable. To my point, Rep. Brett Hillyer of Uhrichsville recently introduced House Bill 249 which will allow the more than 170 people abused by Richard Strauss to sue OSU. Rep. Hillyer is on the right track, but he’s not going far enough. Every victim in the state should be afforded the opportunity to seek and secure justice.

This Committee could and should provide that opportunity by amending this bill to include the elimination of the civil SOL that now protects institutions and officials who knew or should have known what was occurring on their watch.

Thank you again, Chairman Eklund, Ranking Member Thomas and members of the Committee for allowing me to appear before you today. I would be pleased and eager to answer any questions you may have.

DannLaw’s Brian Flick named Super Lawyer Rising Star in area of consumer law

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Brian Flick - Managing Partner Dann LawI am pleased to announce that Brian Flick, Managing Partner of DannLaw’s Cincinnati office, has been named a “Super Lawyer Rising Star” in the area of consumer law for 2020. Only 2.5% of attorneys in Ohio are named rising stars in a particular practice area. This prestigious designation is reserved for attorneys who excel in their field, contribute to their community, and abide by the highest professional and ethical standards.

Super Lawyers selects attorneys using a patented multi-phase process that combines peer nominations and evaluations with independent research. Each candidate is evaluated on 12 indicators of professional achievement. Those who score highest then undergo a “blue ribbon” peer review by practice area. Only the highest-rated attorneys make the Super Lawyer list for each state. We are proud that Chris and Doug are among them.

Brian was previously named a Rising Star in the area of consumer bankruptcy law.

Super Lawyer Selection Process Emphasizes Peer Recognition, Accomplishment, Performance, Experience

A Tale of Good vs. Evil: We Stopped Ocwen/PHH from Stealing Riad Ghosheh’s Home–Now We’re Going to Make the Companies Pay

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Today, we’re going to tell you story about good vs. evil, right vs. wrong. The main character in the tale is Riad Ghosheh who owns a home that Ocwen Loan Servicing LLC and PHH Mortgage Services tried to steal. They’re the bad guys.

How bad?

Ocwen/PHH: The bad guys who tried to steal Riad Ghosheh’s home. Nearly 12,000 consumers have lodged complaints about the company with the CFPB.

As of this year, more than 11,000 complaints against Ocwen had been lodged with the Consumer Financial Protection Bureau (CFPB). PHH, which Ocwen acquired in 2018, has been tagged 781 times. Ocwen, a company we’ve fought and written about many times, is truly among the worst of the bad actors that populate the mortgage servicing industry. It won’t come as a surprise that the company no longer operates under the Ocwen name. They decided to hide behind PHH’s relatively clean reputation. But believe us, Ocwen’s back there pulling the strings.

Those are the bad guys. Who are the good guys?

Well us, of course, the DannLaw legal team. When Riad learned that Ocwen/PHH was about to steal his home he contacted us. Here’s a spoiler alert: we saved his house. On October 30, Federal District Court Judge Mark Norris issued a temporary restraining order that stopped the bad guys from moving forward with a foreclosure that was scheduled for November 1. In the wake of Judge Norris’ ruling, Ocwen/PHH has decided to abort its attempt to swipe Riad’s residence. You can read Judge Norris’ order here: tnwd-2_2019-cv-02710-00015 (1)

Talk about riding to the rescue just in the nick of time…

But the saga doesn’t end there. Simply saving Riad’s house didn’t seem like justice to him or us. Ocwen/PHH had put him through a horrible ordeal. They broke the law—in fact, they broke a bunch of them. So we’re using those laws, in particular the Real Estate Sales Practices Act (RESPA) to hold Ocwen/PHH accountable and make them pay for nearly wrecking Riad’s finances and disrupting his life. You can read the complaint we filed against the companies in Federal District Court for the Western District of Tennessee here: Ghosheh Riad 2019 10 18 TS Complaint

Truth be told, we’ve helped hundreds of people like Riad over the years. But his story is both especially compelling and infuriating, so we thought we’d share it, both as a cautionary tale and to illustrate the strategies we use to fight giant banks and mortgage servicers—and WIN.

Here’s our story…

The home Ocwen/PHH tried to steal from Riad Ghosheh.

Riad Ghosheh, who is legally deaf and partially blind, owns a home in Cordova, Tennessee, a community just east of Memphis. Earlier this year, Riad went to Israel for an extended period of time to take care of family business. Before leaving he asked his son to make the mortgage payments on the home and gave him the money to do so.

You can probably guess what happened next: his son didn’t make the payments. Riad returned to the United States and learned that his loan had gone into default. Needless to say, this was not the homecoming gift he expected.

In order to stop the home from going into foreclosure, Riad filed for Chapter 13 bankruptcy on June 3, 2019. As we’ve noted in our blogs and on our website, filing Chapter 13 immediately brings foreclosure actions to a dead stop.

On or about the same day, Riad received a “Streamline Modification Trial Period Plan” (TPP) from Ocwen his loan servicer. Loan modification plans like this are designed to give homeowners the opportunity to prove they can make their mortgage payments and resolve arrearages. They are also supposed to stop foreclosures. Note the use of the word “supposed.” This will be important in just a bit.

The TPP Riad signed and returned to Ocwen well before the deadline set by the company. Ironically, the letter opens with the word “congratulations” and contains the phrase “We’re here to help!” The former was a cruel joke, the latter an outright lie.

If he accepted the proposed TPP, Riad would be required to make three payments of $1,418.15 beginning July 1. If he made the three payments on time, the company would offer him a permanent loan modification plan. Riad signed the TPP on June 18, 2019, and mailed it to Ocwen the same day.

Because he knew he could afford to make the payments called for in the TPP and because the agreement was supposed to prevent Ocwen from foreclosing on his home, Riad allowed his bankruptcy petition to be dismissed. After all, his main reason for filing was to save his home from foreclosure—a threat he supposedly no longer faced.

There’s that word again.

On June 24, Riad, as required by the TPP, made the July payment of $1,418.15. Records show Ocwen received the payment on June 28. He made the August payment on July 24 and the September payment on August 26. Three payments required. Three payments made—early.

So far so good, right?

Look, we told you this was a story of good vs. evil, not a fairy tale. Things were far from good.

Here’s what happened to the three payments:

Ocwen kept the July payment but never applied it to Riad’s loan;

On September 22, PHH, which had taken over the loan, sent the August payment back along with a letter notifying Riad that he had violated the terms of the TPP;

The September payment, which was made nearly a month before PHH sent back the August payment, is MIA. No one at Ocwen/PHH can find it.

Riad was, to say the least, alarmed by these events, so he asked the person who held his power of attorney to contact the bankruptcy lawyer who had filed the Chapter 13 petition on his behalf earlier in the year.

This was a good call on Riad’s part because the bankruptcy attorney was the person who notified him that his house was slated to be sold out from under him on November 1. Ocwen/PHH had never contacted him or his counsel. The lawyer only knew the sale was about to take place because he saw it advertised in the newspaper. It appears the fine folks at Ocwen/PHH who forgot to apply Riad’s July payment to his mortgage then forgot to notify him that they were about to steal his home did remember to advertise the attempted theft in the paper.

At this point, put yourself in Riad’s place. You trusted your kid to make your house payments. He didn’t.

You trusted your mortgage servicer to play by the rules and honor the terms of a mortgage modification plan they offered you. They didn’t.

You assumed that Ocwen/PHH would abide by the laws that govern the mortgage servicing industry. Of course they didn’t. Abiding by the law is not part of their business model.

And as a result of it all, you came within days of becoming homeless—even though you did everything you were supposed to do.

And Riad, like thousands of other people who have been victimized by Ocwen, would have been homeless had he not contacted the DannLaw team.

As we mentioned above, we’ve already saved Riad’s home. Now we’re suing Ocwen/PHH in Federal Court to make them pay for the emotional and physical distress their sordid behavior caused, for damaging Riad’s credit, and for violating both RESPA and Fair Debt Collection Practices Act (FDCPA). Our filing alleges that Ocwen/PHH did the following:

Count One: RESPA Violations

Count Two: Breach of Contract

Count Three: Promissory Estoppel (OK, we know you don’t know what that is, and the explanation is really long and complicated, but take our word for it, Ocwen/PHH did it.)

Count Four: Conversion

Count Five: Unjust Enrichment (This one is easy to understand, it basically means Ocwen/PHH stole Riad’s cash.)

Count Six: Violations of the FDCPA

The best thing is, Riad doesn’t have to pay us to wage this battle on his behalf. If we win the case, Ocwen/PHH will be required to pay our fees and we will receive a small percentage of any damages the court awards.

And the damages part is no fairytale—we’ve won significant financial awards for people like Riad numerous times in courts across the U.S.

That’s our story. We’ll let you know how it ends. But in the meantime, if you or someone you know is facing foreclosure or is being abused by a bank or mortgage servicer, don’t be a victim. Fight back like Riad, by contacting the experienced foreclosure defense attorneys at DannLaw. You can reach us by calling the office near you or by completing the form on our Contact page.

We’ll be happy to schedule a no-cost consultation, provide you with sound legal advice, and help you save your home and win the financial settlement you deserve.

Federal Appeals Court provides hope for Americans struggling to pay Navient student loans

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A recent federal appeals court decision may spell “relief” for Americans buried under private student loan debt held by Navient. In a unanimous decision, a three-judge panel of the Court of Appeals for the Fifth Circuit held that Navient private student loans ARE dischargeable in bankruptcy.

This decision, to put it mildly, IS A BIG DEAL!

We won’t go into the complex legal issues discussed in the Court’s 28-page decision–although you can read it here if you are so inclined:5th cir private loans dischargeable

What matters is the bottom line: Navient debtors may now be able to climb out from under crushing private student loan debt by filing for bankruptcy.

While the ruling is great news, there are some important things you should know:

  • The decision only applies to private student loan debt issued or serviced by Navient. Non-Navient and government-backed loans cannot be erased via bankruptcy. To learn more about how to deal with government-guaranteed indebtedness visit www. https://dannlaw.com/student-loan-debt/
  • Bankruptcy may not be the best way to resolve your private student loan debt problems. The members of DannLaw’s legal team are well-versed in the laws governing both student loans and bankruptcy. We will be able to help you decide if bankruptcy is right for you and determine whether you should file Chapter 7 or 13. We may also be able to offer other options and strategies to deal with your debt.
  • Although the decision will serve as precedent within the Fifth Circuit’s jurisdiction which includes Louisiana, Mississippi, and parts of Texas, our experienced attorneys will be able to use the ruling to persuade judges across the country to discharge Navient private student loan debt via bankruptcy.

To learn more about this exciting decision and whether you should resolve your Navient private student loan debt dilemma by filing for bankruptcy,  call Atty. Brian Flick at 513-951-7124, Atty. Emily White at 614-705-0107 or use our contact form to arrange a free, no-obligation initial consultation. They will be happy to evaluate your situation and offer sound advice that will put you on the road to financial security.

Does Filing for Bankruptcy Stop an Ohio HOA Foreclosure?

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Understanding HOA Foreclosure In Ohio

If you are an Ohioan who lives in a condominium, townhome or a single-family home that is part of a development you may be required to pay dues to a condominium association (COA) or a homeowners’ association (HOA). Falling behind on your dues can lead to serious problems. In most cases, the covenants, conditions and restrictions (CC&Rs) that govern the COA or HOA give the association the right to place a lien on your home. Stay behind, and the association may file a foreclosure action against you—even if you are current on your mortgage.

In Ohio, COAs, like banks and mortgage servicers, must file a lawsuit to foreclose on a condominium. HOAs have specific foreclosure procedures that are outlined in the association’s governing documents.

Will Filing for Bankruptcy Eliminate HOA Dues and Liens?

If your COA or HOA places a lien on your home and then initiates a foreclosure action in order to collect delinquent dues, filing for bankruptcy may be your best option. That’s because the right type of bankruptcy may enable you to discharge your liability for unpaid dues that accrued before you filed and because it will automatically stay the foreclosure action while your bankruptcy case is processed.

While bankruptcy may provide short-term relief that will enable you to stay in your residence, in all likelihood bankruptcy will NOT eliminate the lien on your property. That is why we recommend you contact DannLaw’s experienced bankruptcy attorneys if you have fallen behind in your dues payments and are receiving threatening letters or calls from your association. We will be happy to discuss your situation and provide sound advice on how you should proceed, including which type of Bankruptcy is right for you, Chapter 13 or Chapter 7.

The Type of Bankruptcy you File Makes a Difference

In most instances, Chapter 7 bankruptcy is not an effective way to deal with COA/HOA dues delinquencies because it will not eliminate the lien they placed on your home or result in the discharge of dues you will owe after you file.

If you are dealing with a COA/HOA lien and/or foreclosure we recommend filing under Chapter 13 of the federal bankruptcy law. Chapter 13 will enable you to pay your pre-bankruptcy arrears via a court-approved repayment plan over a period of three to five years. As long as you make the monthly payments called for in your plan the COA/HOA will be barred from taking your residence. You may also be able to have your lien eliminated if it is considered an unsecured junior lien. This will depend on the priority status of the lien as well as the rules of the jurisdiction in which you reside.

It is important to note, however, that you MUST pay the COA/HOA fees that come due post-filing. If you fall behind again your association may go to court, seek a lift of the automatic stay, and proceed with the foreclosure. Post-bankruptcy you will no longer be protected so you must pay your COA/HOA fees when they become due to avoid facing a renewed threat of foreclosure.

Finally, even if you surrender your property at some point, you will be liable for any COA/HOA fees that become due while you wait for the bank to foreclose and the title to be transferred from you to the bank. If you don’t pay the fees the association has the right to sue you personally in order to collect the money owed.

Consult With An Ohio Bankruptcy Lawyer Today

We recognize that filing for bankruptcy is not always the best option. That’s why we urge you to call us to arrange a free consultation with our experienced bankruptcy attorneys. We will be happy to discuss your case, give your sound advice, and help put you back on the road to financial security.