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Press Release

United States Alleges Florida Law Firm Discriminated Against Hispanic Homeowners With A Predatory Loan Modification And Foreclosure Rescue Services Team

For Immediate Release
U.S. Attorney's Office, Middle District of Florida

Orlando, FL - United States Attorney Maria Chapa Lopez announces that the United States filed a lawsuit yesterday, alleging that a Florida legal services provider and two of its officers violated the federal Fair Housing Act (FHA) by intentionally discriminating against Hispanic homeowners by targeting them with a predatory mortgage loan modification and foreclosure rescue services scheme. The Defendants named in the lawsuit are Advocate Law Groups of Florida, P.A; attorney, Jon B. Lindeman, Jr.; and his wife, Ephigenia K. Lindeman.  Advocate Law Groups of Florida, P.A., is based in Miami Lakes, Florida, and has offices in, among other places, Orlando and Tampa, Florida.

According to the Complaint allegations, from 2009 through at least 2015, the Defendants deliberately targeted the Complainants and other homeowners with an unfair and predatory loan modification and foreclosure rescue services scheme because of their Hispanic national origin.  During this time period, the Defendants purposefully targeted Hispanic homeowners with Spanish-language advertising that falsely promised to cut their mortgage payments in half.  In client meetings, the Defendants promised lower payments in a short timeframe in exchange for thousands of dollars of upfront fees and additional, continuing monthly fees.  The Defendants also instructed their clients to stop making monthly mortgage payments and to stop communicating with their lenders, placing their clients’ homes at risk of foreclosure.  Additionally, the Defendants sent to the Complainants a package of documents, written in English, that were sent to the bank on their behalf, but provided no translation of the documents.  These documents contained untrue statements, including an offer to the bank to return the Complainants’ homes in exchange for a rescission of the mortgage without the Complainants’ consent to do so.  Despite charging high fees, the Defendants did little or nothing actually to obtain loan modifications. 

This lawsuit arose as a result of three complaints filed with the U.S. Department of Housing and Urban Development (HUD) by the Defendants’ former clients.  After conducting an investigation, HUD issued a charge of discrimination and referred the case to the Justice Department.  This case is being prosecuted jointly with the Justice Department’s Civil Rights Division and the Civil Rights Unit of the United States Attorney’s Office for the Middle District of Florida.

“Enforcement of civil rights in the housing arena is a point of focus for our Civil Division.  The predatory conduct described in this Complaint cannot go unaddressed, and we will take whatever steps are necessary to protect our district’s residents from this kind of discriminatory practice,” said United States Attorney Maria Chapa Lopez.

Anyone with information on the loan modification and foreclosure rescue services provided by Advocate Law Groups of Florida, P.A., should contact the Justice Department’s Civil Rights Division at 800-896-7743 and leave a message (for English, press 1 and select mailbox 93; for Spanish, press 2 and select mailbox 7).


Updated October 30, 2018

Complaint [PDF, ]
Civil Rights