Exclusively litigating predatory hard money lending cases for seniors and dependent adults
The sole focus of my firm is to combat the unlawful theft of home equity from low-income communities through unfair lending practices.
The Vossler Law Firm is a litigation boutique exclusively representing seniors and dependent adults in a small number of high-importance predatory lending and wrongful foreclosure cases against hard money lenders and brokers. I fight to protect my clients’ homes and their lifetimes of accrued home equity from financial predators; I hold bad actors accountable and empower my clients to age peacefully in place, free from financial abuse. With each case, I hope to strengthen my community, combat displacement, and preserve accumulated intergenerational wealth in California’s most vulnerable communities.
I take a small number of impact cases which have a likelihood of supporting public policy and legislative initiatives designed to protect California’s public from the unlawful, unfair, or predatory theft of their home equity. I take cases by referral only.
Headquartered in Oakland, California. I take cases anywhere in California.
Sil Vossler, Esq.
Practice Areas
Predatory Lending Litigation
Sophisticated financial predators use unfair tactics to direct consumers into unsuitable commercial loans designed to evade consumer protection laws and generate fees for the broker and lender at the consumer’s expense. Predatory brokers will frequently “flip” distressed consumers through multiple short-term, high-cost, interest-only commercial loans designed to fail, quickly depleting the consumer’s lifetime of accrued home equity in a matter of years. These tactics are predatory, and such loans are illegal, unconscionable, unenforceable, and void.
Wrongful Foreclosure Litigation
Foreclosures based on a borrower’s default on an illegal predatory loan are void (regardless of the borrower’s ability to tender repayment of the loan). I have a proven track record of reversing foreclosures and recovering properties from purported “bona fide purchasers.”
Elder and Dependent Adult Financial Abuse Litigation
When a predatory hard money lender or broker takes the home equity of a senior or dependent adult through unfair methods (such as instructing the borrower to sign a false “declaration of business purpose” so the broker can mischaracterize a consumer loan as a “commercial” or “bridge” loan), that financial predator has engaged in financial abuse. They will be liable for the consumer’s emotional distress, attorneys’ fees, costs, statutory enhancements (treble damages) and likely punitive damages. The value of a Defendants’ total exposure in a predatory hard money lending case is often a significant multiple of the loan’s principal balance.
Every predatory lending case involves a title dispute. My goal is to keep my clients in their homes and scrub unlawful unlawful liens from title. If the property has been sold following foreclosure of a predatory loan, title is still recoverable for the victim of the wrongful foreclosure, even from a purported “bona fide purchaser.” Good title cannot rest on a foundation of a void transaction.
Quiet Title
“Injustice anywhere is a threat to justice everywhere.”
– Martin Luther King, Jr.