{"id":452,"date":"2026-05-28T12:02:53","date_gmt":"2026-05-28T12:02:53","guid":{"rendered":"https:\/\/lazarragahinojosa.com\/banking-law\/"},"modified":"2026-09-08T08:19:43","modified_gmt":"2026-09-08T08:19:43","slug":"banking-law","status":"publish","type":"page","link":"https:\/\/www.lazarragahinojosa.com\/en\/banking-law\/","title":{"rendered":"Banking Law"},"content":{"rendered":"
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Lazarraga & Hinojosa<\/p>\n<\/div><\/div>\n\n

Banking Law<\/h1><\/div><\/div>\n<\/div>\n<\/div>\n
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LAZARRAGA & HINOJOSA<\/p>\n<\/div><\/div>\n\n

Banking Law. Banking disputes and consumer protection. <\/h2>\n<\/div><\/div>\n\n

In every situation\u2014which can vary widely\u2014 Lazarraga & Hinojosa Abogados will seek <\/strong>the most satisfactory solution for each client.<\/p>\n

Lazarraga & Hinojosa Abogados specializes <\/strong>in banking law, defending your rights as a consumer against financial institutions, in various areas, such as challenging the validity of unfair terms<\/strong> when there is a lack of transparency, and claiming damages for the losses<\/strong> you have suffered as a result of their application, such as excess interest charged<\/strong> on mortgages, due to the limitation of variable interest rates<\/strong> (floor clauses), which result in less principal being paid off to the detriment of the consumer. In such cases, you will be compensated for all damages incurred and reimbursed for court costs. <\/p>\n

Lazarraga & Hinojosa, Attorneys<\/strong> at Law. We are experts in bank claims. Get your money back. Hold your bank accountable. <\/p>\n

Lazarraga & Hinojosa Abogados can <\/strong>help you by reviewing your case to find a solution that will prevent foreclosure. Our <\/strong>team of attorneys will negotiate with the lender to prevent you from losing your home and, in extreme cases, to always secure the most satisfactory solution<\/strong>, for example, by pushing for the highest possible auction price, emphasizing during the process that the home is the borrower\u2019s primary residence, and securing its award in lieu of payment of the entire debt if necessary.<\/strong><\/p>\n<\/div><\/div>\n<\/div>\n\n

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We offer you the legal advice and representation you need to defend your rights against unfair practices by banks.<\/p>\n

We respond efficiently<\/strong> and promptly<\/strong> to the numerous complaints filed by bank customers regarding unfair terms<\/strong> in their mortgage contracts<\/strong>, as well as other types of misconduct resulting from malpractice<\/strong> by banks.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n

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Unfair terms (including floor clauses and IRPH clauses)<\/h4>

We defend you against floor clauses, IRPH clauses, and other unfair terms included in your mortgage without the required transparency. We fight to have these clauses declared null and void so that you can recover all the money you\u2019ve overpaid. <\/p>\n<\/div><\/div>\n\n

Revolving credit cards<\/h4>

If you have a revolving credit card with excessive interest rates, we can help you file a claim to have the contract declared void on the grounds of usury and recover the interest you have unduly paid over the years.<\/p>\n<\/div><\/div>\n\n

Mortgage expenses<\/h4>

We will demand that the bank refund the mortgage origination fees it improperly charged you\u2014such as notary, administrative, registration, and appraisal fees\u2014to which you are entitled.<\/p>\n<\/div><\/div>\n\n

Claims against banks<\/h4>

We represent you in any case of malpractice by your bank, first negotiating an out-of-court settlement and, if necessary, taking your claim to court so that you can obtain the compensation you are entitled to.<\/p>\n<\/div><\/div>\n\n

Bank Contracts and Financing<\/h4>

We represent you in any case of malpractice by your bank, first negotiating an out-of-court settlement and, if necessary, taking your claim to court so that you can obtain the compensation you are entitled to.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n

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You can file a complaint against your bank for malpractice. Contact our firm and get your money back. <\/h3>\n<\/div><\/div>\n<\/div>\n\n
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Current Events and Legal Analysis<\/span><\/p>\n<\/div><\/div>\n\n

Discover the latest developments in the legal field and our success stories:<\/span><\/h2>\n<\/div><\/div>\n\n
Visit the Blog<\/a><\/div>\n<\/div>\n\n
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Lazarraga & Hinojosa in the Media<\/span><\/p>\n<\/div><\/div>\n\n

Here you can see our press coverage:<\/span><\/h2>\n<\/div><\/div>\n\n
See Press<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-452","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t