Zina Gabsi is an experienced litigator who represents plaintiffs and defendants in commercial and other civil litigation, arbitration, bankruptcy and appeals.
Zina’s practice focuses on representation of banks and financial institutions including matters alleging violations of the Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), Real Estate Settlement Procedures Act (RESPA), Florida Consumer Collection Practices Act (FCCPA), Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), as well as state unfair and deceptive acts or practices statutes and other consumer lending statutes and regulations, such as those promulgated by the Consumer Financial Protection Bureau (CFPB).
Commercial Litigation and Arbitration
Consumer Litigation Defense
Real Estate Litigation
Creditor’s Rights and Bankruptcy
U.S. Court of Appeals, 11th Circuit
U.S. Bankruptcy Court for the Middle and Southern Districts of Florida
U.S. District Court for the Northern, Middle and Southern Districts of Florida
Real Property, Probate & Trust and Business Law sections of the Florida Bar
Miami-Dade County Bar Association
Florida Association of Women Lawyers, Miami-Dade chapter
Developing your Strengths and Most Productive Work Style, Women in Law & Leadership, May 13, 2019
Obtained dismissal with prejudice on RESPA claim in matter of first impression holding that USPS certified mail return receipt sufficient to satisfy RESPA’s requirement to acknowledge receipt of Request for Information and that plaintiff failed to assert a concrete injury to confer Article III standing. Meeks v. Ocwen Loan Servicing, LLC, No. 16-cv-81003-BLOOM/Valle, 2016 WL 3999570 (S.D. Fla. July 26, 2016), aff’d Meeks v. Ocwen Loan Servicing, LLC, 681 Fed.Appx. 791 (11th Cir. 2017)
Obtained final judgment in favor of bank against prior title holder seeking to wipe out bank’s superior interest in property. Judgment affirmed on appeal with holding that actions to foreclose on mortgages are actions founded on duly recorded instruments pursuant to Fla. Stat. § 48.23(2). National American Home, LLC v. Deutsche Bank Nat.’l Trust Company, 242 So. 3d 1144 (Fla. 4th DCA 2018)
Obtained reversal of dismissal in foreclosure action where trial court found the bank lacked standing to foreclose. The appellate court held that converting a blank endorsement to a specific endorsement on a note does not vitiate bank’s standing to foreclose on either endorsement. Deutsche Bank Nat.’l Trust Company v. Mobley, 212 So. 3d 511 (Fla. 3d DCA 2017). Final judgment of foreclosure affirmed on appeal. Mobley v. Deutsche Bank Nat.’l Trust Company, 274 So. 3d 376 (Fla. 3d DCA 2019)
Junior League of Miami, 2014 – present. Digital Marketing Chair, 2019 – present.