Our investigations have stemmed from violations of state consumer protection statutes and common law predatory lending claims in federal and state courts throughout the country. Such claims and issues have concerned alleged predatory lending practices targeting low-income and minority borrowers, "bait and switch" loan product tactics, fraudulent appraisal and other loan settlement services, inadequate loan origination disclosures, and improper loan servicing fees. The investigations include:
◦ Class actions alleging violations of the Truth in Lending Act, Homeowners' Equity Protection Act, Real Estate Settlement Procedures Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, various state unfair business practices and consumer protection statutes;
◦ Individual borrower suits seeking to rescind or reform loans, stay foreclosure, and/or recover damages for regulatory violations and predatory lending practices; and
◦ Litigation to rescind purchases of syndicated mortgage backed securities and enforcement of repurchase rights.
Our experience benefits you when we conduct and interpret background research, identify, locate and interview key witnesses to the conduct and when we present our results in a concise manner that is immediately useable for your case. We know what you are looking for and how to get it. Our fact-gathering may begin before any litigation is commenced and carries you all the way through discovery and trial. We are accustomed to working on tight schedules imposed by filing, discovery and other deadlines.
◦ Class actions alleging violations of the Truth in Lending Act, Homeowners' Equity Protection Act, Real Estate Settlement Procedures Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, various state unfair business practices and consumer protection statutes;
◦ Individual borrower suits seeking to rescind or reform loans, stay foreclosure, and/or recover damages for regulatory violations and predatory lending practices; and
◦ Litigation to rescind purchases of syndicated mortgage backed securities and enforcement of repurchase rights.
Our experience benefits you when we conduct and interpret background research, identify, locate and interview key witnesses to the conduct and when we present our results in a concise manner that is immediately useable for your case. We know what you are looking for and how to get it. Our fact-gathering may begin before any litigation is commenced and carries you all the way through discovery and trial. We are accustomed to working on tight schedules imposed by filing, discovery and other deadlines.
Case Development & Viability
Epstein & Assoc. can provide you essential information that can help you save, or gain, millions of dollars before you have decided to file your lawsuit. We provide pre-filing services such as: collecting information about the target financial institution to determine the likelihood of bankruptcy, determining the number of willing witnesses to report the conduct, and honing case theories. As with all stages of investigation, utmost discretion and confidentiality is maintained during this preparation phase.
Background Research
We have a solid understanding of and train our investigators about the lending and misrepresentation laws, SEC filings and financial data. This reduces learning curve and lead time in pursuing your case. We work closely with leading forensic accountants. This also saves time and prevents the wrong turns that can cause you frustration. We quietly follow the trail and solidly build the foundation of the investigative path to follow.
Witness Identification & Interviews
Identifying witnesses is one of our core competences, to which we devote significant resources and creativity. Our experience and insight helps us to identify and locate the witnesses who will be important to your case. We gather information that can be used to focus discovery and encourage settlement. At each phase, we are cognizant of the fact that our work involves the development of evidence to be presented in court and we are careful to use fact finding methods that will pass scrutiny by judges and juries.
Epstein & Assoc. can provide you essential information that can help you save, or gain, millions of dollars before you have decided to file your lawsuit. We provide pre-filing services such as: collecting information about the target financial institution to determine the likelihood of bankruptcy, determining the number of willing witnesses to report the conduct, and honing case theories. As with all stages of investigation, utmost discretion and confidentiality is maintained during this preparation phase.
Background Research
We have a solid understanding of and train our investigators about the lending and misrepresentation laws, SEC filings and financial data. This reduces learning curve and lead time in pursuing your case. We work closely with leading forensic accountants. This also saves time and prevents the wrong turns that can cause you frustration. We quietly follow the trail and solidly build the foundation of the investigative path to follow.
Witness Identification & Interviews
Identifying witnesses is one of our core competences, to which we devote significant resources and creativity. Our experience and insight helps us to identify and locate the witnesses who will be important to your case. We gather information that can be used to focus discovery and encourage settlement. At each phase, we are cognizant of the fact that our work involves the development of evidence to be presented in court and we are careful to use fact finding methods that will pass scrutiny by judges and juries.
S U B P R I M E / P R E D A T O R Y L E N D I N G
Epstein & Assoc. investigates fraudulent debt collections and "counseling" in the subprime credit industry, as well as fraud in the subprime mortgage industry.
Epstein & Assoc. investigates fraudulent debt collections and "counseling" in the subprime credit industry, as well as fraud in the subprime mortgage industry.
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