Dustin A. Zacks, ESQ.

Dustin Zacks graduated from the University of Michigan with both his undergraduate and Juris Doctorate degrees and served as an Associate Editor of The Michigan Review and the Michigan Journal of International Affairs. He worked as a Judicial Intern under a judge of the Fifteenth Judicial Circuit. Dustin is licensed to practice in all Florida state courts and in the federal court for the Southern District of Florida.


Dustin has handled hundreds of foreclosure cases and has conducted ground-breaking depositions of bank officers. The former Ohio Secretary of State cited his depositions of a bank officer as possible grounds for a potential criminal investigation into the foreclosure practices of Chase Home Finance. The U.S. Department of Housing and Urban Development’s Office of Inspector General further cited Dustin’s Chase deposition as evidence that Chase “[filed] improper legal documents.” The Supreme Court of the State of Washington has cited Dustin’s research into Mortgage Electronic Registration Systems, Inc. as evidence of possible consumer protection violations by banks and servicers. Many of Dustin’s depositions and motions are routinely cited as evidence that banks and servicers have been guilty of faulty practices in litigation against homeowners.


As a result of his trendsetting work, Dustin has appeared on various national and local media outlets to speak about foreclosure and real estate issues, including CBS Evening News, BBC World News America, National Public Radio, Fox Business Channel, Washington Post, USA Today, Reuters, Associated Press, Bloomberg, MarketWatch, Euromoney Magazine, AOL Real Estate, Palm Beach Post, South Florida Sun-Sentinel, South Florida Daily Business Review, Benzinga.com, and MoneyTalksNews with Stacy Johnson (syndicated).


Dustin has been invited to lecture attorneys nationwide regarding foreclosure issues and the ways in which homeowners can defend against banks and servicers:

  • Foreclosure and MERS Law. The Rossdale Group. October 9, 2013.
  • The Encyclopedia of Foreclosure Defense. MyLawCLE.com. April 24, 2013.
  • Foreclosure Law: Essential Strategies. The Rossdale Group. January 30, 2013.
  • Mastering Foreclosure and Bankruptcy Law. The Rossdale Group. November 14, 2012.
  • Mastering Loan Modifications, Mortgages, & Foreclosures. The Rossdale Group. August 30, 2012.
  • Foreclosure Law and MERS. The Rossdale Group. May 9, 2012.
  • Fraud and The UCC in Mortgage Foreclosure Litigation in Florida. Lawline.com. May 2, 2012.
  • Mastering Foreclosure Defense. The Rossdale Group. January 4, 2012.
  • MERS and Securitization in Foreclosure Litigation. Lawline.com. July 7, 2011.
  • Foreclosure Law: Winning Tactics. The Rossdale Group. June 8, 2011.
  • American Conference Institute’s 6th National Forum on Residential Mortgage Litigation and Regulatory Enforcement. Panel: The Borrower’s Perspective: Insights From the Plaintiffs’ Bar and Consumer Advocates. April 8, 2011.
  • Mastering Foreclosure Law. The Rossdale Group. March 9, 2011.
  • Slaying Goliath: Fighting Fraud and Contesting Standing in Residential Foreclosure in Judicial States. PLI Live Seminars. January 11, 2011.


Dustin’s scholarly articles on foreclosure issues have been featured in law reviews around the country. Dustin’s research into foreclosures has been cited by the Supreme Court of the State of Washington, by law and real estate professors and lecturers at Harvard Law School, the University of California-Berkeley, Georgetown University, the University of California-Davis, and the University of New Mexico, and by economics professors at the University of Wisconsin and Montana State University.

The Phantom of the Foreclosure Crisis: Cancellation of Indebtedness Taxation, Probate & Property 27:5 (Sep./Oct. 2013).(Reprinted in Part in GPSolo Magazine (Nov./Dec. 2013)).

Avoiding Insult to Injury: Extending and Expanding Cancellation of Indebtedness Income Tax Exemptions forHomeowners, 66 Arkansas L. Rev. 317 (2013)(Published as part of 2013 Arkansas Law Review Symposium on the Mortgage Foreclosure Crisis).

Revenge of the Clerks: MERS Confronts County Clerk and Qui Tam Lawsuits, 31 Banking & Financial Services Policy Report No. 1 (January 2013).

Robo-Litigation, 60 Clev. St. L. Rev. 567 (2013).

MERS is Dead: Long Live MERS, 44 Connecticut L. Rev. CONNtemplations 62 (2012).

The Grand Bargain: Pro-Borrower Responses to the Housing Crisis and Implications for Future Lending and Homeownership, 57 Loyola L. Rev. 541 (2012).

Standing in Our Own Sunshine: Reconsidering Standing, Transparency, and Accuracy in Foreclosures, 29 Quinnipiac L. Rev. 551 (2011)(Selected as lead article)(Cited by the Supreme Court of the State of Washington in Bain v. Metropolitan Mortgage Group, Inc.).


  • City of Lake Worth Planning and Zoning Board (2012-Present)(Appointed by mayor and city commission).
  • Consumer Law Committee, Florida Bar Public Interest Law Section (2012-Present).
  • Young Leaders in Affordable Housing (2012-Present).
  • Volunteer Guardian-ad-Litem (Court appointed volunteer who advocates for the best interests of a child in a dependency case).

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