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Massachusetts Consumer Debt Relief Law Firm

Providing Debt Relief To Massachusetts At Large

Life can bring some unexpected hardships, many of which involve finances. Financial strain can be caused by unexpected life events such as a medical emergency, an accident, loss of employment, divorce, or other unanticipated events. If you are facing foreclosure on your home due to financial hardship, long-term or short-term, we will strive to help you find a possible resolution for your particular situation.

The Law Office of Glenn F. Russell, Jr. is the foremost foreclosure defense law firm in Massachusetts, and possibly America, with unparalleled success at the Appellate level.

We have successfully argued the only matter before the U.S. Court of Appeals for The First Circuit involving the use of the Massachusetts foreclosure statute, Juarez v. Select Portfolio Services, 708 F.3d 269 (1st Cir. 2013). We have also successfully argued a matter before the Massachusetts Appeals Court in Starkey v. Deutsche Bank, N.T. Co., et al., 94 Mass App Ct. 1(2018). We are also most likely the only law firm in Massachusetts to successfully argue three (3) matters before the Massachusetts Supreme Judicial Court (“SJC”) on the issue of foreclosure, including:

“Ibanez”, (as the case is known) resulted in national exposure for this law firm, in which we were quoted in almost every U.S. national publication, as well as internationally. Further, as a result of this decision in 2013 Attorney Glenn F. Russell, Jr. was asked to appear before the Federal Housing Finance Agency (“FHFA”) in Washington D.C. to take part in a four (4) day seminar at the time the U.S. Government took over as conservator for “Fannie Mac” and “Freddie Mac”. Attorney Russell was asked to present to the United States Government on how mortgage securitization operates from the perspective of a mortgage borrower, and its implication and intersection with Wall Street’s greed to sell more bonds to institutional investors. Of course, this seminar was necessary due to the FHFA’s new role, and the remaining fall out of the 2008 “mortgage crisis”. This crisis was brought on by Wall Street’s acquiescence, and greed, to create more and more investment products to placate the insatiable demand of institutional investors. Attorney Russell was also asked to present to the Securities and Exchange Commission for the same reason Subsequent to these presentations, the FHFA entered into a number of settlements, including the $1.9 Billion agreement with Deutsche Bank. For his efforts in “Ibanez”, Attorney Russell was also named 2011 “Lawyer of the Year” by Massachusetts Lawyers Weekly.

Whether you are confronting consumer debt through bankruptcy or defending a foreclosure action, we are here to help! Contact The Law Office of Glenn F. Russell, Jr. today!

We also have an affiliation with a Real Estate Brokerage Russ 45 Realty. Thus, where someone contacts us early enough in the foreclosure process, and at a time when it is anticipated they may go into default and either does not want to bring the loan current through negotiation or modification with the lender or does not want to defend or challenge a potential sale, we can also offer those individuals the option to be referred to Russ 45 Realty to possibly list, market, and attempt to sell the property. Russ 45 Realty operates completely independent from this law firm, which does not offer legal services to clients of the Brokerage.

Unfortunately, it appears to be deja vu all over again, as Yogi Berra used to say, where the latest news reports indicate that we are headed for another recession over the 2023-2024 time period. Just looking at today’s inflation in February 2023, it has already impacted the increase in mortgage rates that now have significantly increased folks mortgage payments. Couple this fact with the outrageous prices for groceries and other fungible items, and it’s not hard to see a looming very dark cloud forming that is very reminiscent to 2007-2008.

Fortunately, we represented individuals during the previous severe economic “downturn” during the 2007-2008 Great Recession, and the years following this period that found many people facing the loss of their home. So, “we’ve been ‘round the block”, and are uniquely positioned as a law firm to apply our extensive previous experience to your current situation.

It may seem as though the law is against you, but at The Law Office of Glenn F. Russell, Jr. we are here to tell you that there are many options available to you! Just because you have been threatened with the possibility of foreclosure does not mean you will automatically be kicked out of your house immediately.

Instead of worrying or stressing, you can trust that a Massachusetts foreclosure defense lawyer from our firm can exhaust all legally possible avenues and resources necessary to help you stay In your home. We offer a wide range of services, many of which could serve as an alternative to a foreclosure auction sale of your property, or a solution to your concerns.

Call The Law Office of Glenn F. Russell, Jr. at (888) 400-9318 to speak directly with a debt relief lawyer today.

  • Extensive Knowledge
  • Unique Experience
  • Aggressive Approach
  • Unparalleled Results

Aggressive Foreclosure Defense

After the passage of Massachusetts· An Act Preventing Unlawful and Unnecessary Foreclosures, it has become increasingly more difficult for entities to foreclose on homeowners. This legislation helps protect consumers and homeowners in Massachusetts. Essentially, the act forces financial entities and or mortgage securitization trusts, and their minions, to take lawful and reasonable steps before initiating a foreclosure action under Massachusetts statute.

Aggressive Merchant Cash Advance Defense

We are also one of the few, if not only, law firms in Massachusetts that has experience in the negotiation, settlement, and / or litigation, involving threats made against small business facing a default involving a Merchant Cash Advance [“MCA”]. We began taking on MCA clients in 2018, and have achieved some very successful settlement results on behalf of small business owners, see our Merchant Cash Advance page for some examples, also see one of our blog pages here. We have learned that there may be certain similarities to issues we have successfully raised in our 15 years of unparalleled success in foreclosure defense matters that may be transferrable to these insidious business pay day loans.

Debt “settlement companies” state that there are only “limited defenses” available to defend a Merchant Cash Advance. Primarily these claims from settlement companies stem from the fact that; 1)either these companies are not lawyers and do not act in a legal capacity, or 2) that they are completely unaware of the new and recent evolving case law regarding MCA litigation. Indeed, there have been three recent decisions from the U.S. District Court, for the Southern District of New York that have found (despite the MCA contract protestation) that Merchant Cash Advances are “loans”. The upshot of that finding would mean that these MCA providers may be subject to criminal “usury” [illegal rate of interest charged].

In addition, a Massachusetts Superior Court Judge denied An MCA providers Motion for Summary Judgment, based upon the fact that the Judge could not definitively state that the MCA contract was not a “loan” subject to the merchant’s criminal usury claim. Subsequent to this decision, and prior to trial, the MCA provider quickly reached a settlement with the merchant. The reason for the quick settlement is obvious, because if these MCA contracts are officially deemed to be “loans”, the MCA contract would be found to be void.

If you are facing a possible default on your MCA accounts or are currently being harassed and/or threatened by bill collectors and/or attorney(s) trying to collect, we may be able to help. Give us a call to discuss your options.

Enlist the Help of a Massachusetts Foreclosure Defense Attorney

Unfortunately, not many homeowners in Massachusetts fight foreclosure by enlisting the services of a Massachusetts foreclosure defense attorney. The reasons for this are many, but predominately due to the fact that foreclosure In Massachusetts is a “non-judicial” process, that Is the foreclosing entity does not have to go to court In order to separate you from your family abode.

A further reason is that most homeowners facing foreclosure are already in a compromised financial position and therefore lacking the financial wherewithal to hire an attorney to defend their interests. Additionally, there are very few attorneys versed in this complex and esoteric area of the law. Combining the entirety of the preceding has let the financial industry run wild and unopposed to steamroll folks facing foreclosure. We are here to offer options, please consider discussing your situation with us to see if we can come up with a workable plan.

Our Blog

Recent Posts
  • First Par Funding Partner Pleads Guilty In Long-Running Philly MCA Fraud Probe

    by Joseph N. DiStefano and Jeremy Roebuck Philadelphia Inquirer Updated Feb 15, 2023 See: SEC Complaint against PAR Funding A former official at a ...

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  • Par Funding Founders Must Pay $219 Million After MCA Fraud Finding Judge Says laforte-ruiz-settlement-20221026.html See also: Par Funding overseer is collecting millions ...

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  • Reputed mob associate pleads guilty to threatening violence as an MCA payment ‘enforcer’ for Philly-based business lender

    Philadelphia Inquirer by Jeremy Roebuck Updated Sep 8, 2022 Renato "Gino" Gioe threatened “to stick a fork” in the head of one borrower to collect a ...

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We Can Help!

When you hire The Law Office of Glenn F. Russell, Jr. to help you manage your debt or defend your home from foreclosure, you can rest assured that our team is focused on your best interests.

We are not afraid of litigation, and our success in federal courts is unparalleled.

If you are facing debt or foreclosure you need an advocate in your corner who is willing to fight on your behalf when the pressure becomes overwhelming. We can be that advocate for you!

Don't wait — call The Law Office of Glenn F. Russell, Jr. at (888) 400-9318 to speak directly with a debt relief lawyer today.

Our Areas of Practice

The Law Office of Glenn F. Russell, Jr.

38 Rock Street, Suite #12
Fall River, MA 02720

Phone: (888) 400-9318

Office Hours:
  • Monday - Friday 9:00am - 5:00pm
  • Saturday & Sunday Closed