04/23/2026
Sometimes real estate goes wrong...before it goes right!!!
Warren and Maureen Nyerges did everything right.
In 2009, the Florida couple paid $165,000 in cash for their home in Naples — no loan, no mortgage, no monthly payments. The house was theirs, completely and legally. They were done.
Then, about four months later, a process server knocked on their door.
It was a foreclosure notice. From Bank of America. On a home they didn't owe a single cent on.
"This has to be a mistake," Warren said. "We bought a foreclosure. We don't even have a mortgage."
He was right. It was a mistake. But proving that to a massive bank turned out to be an 18-month nightmare of phone calls, ignored paperwork, and courtroom hearings. At one point, Warren called 25 different law firms — and not one would take the case. Representatives at the bank kept telling him to "get current on his payments." Payments that never existed.
Eventually, a Collier County judge cut through the noise, ruled in their favor, and ordered Bank of America to reimburse the couple's legal costs.
The bank said nothing. And paid nothing. For five months.
So on June 3rd, 2011, attorney Todd Allen did something remarkable. He showed up at the local Bank of America branch — with two sheriff's deputies, a court order, and a moving truck parked outside.
The deputies walked into the building, located the branch manager, and handed him a simple choice: pay the judgment, or watch them start loading up desks, computers, filing cabinets, and the cash right out of the teller drawers.
The branch manager, by all accounts, went pale.
Sixty minutes later, Bank of America had written a check — and handed it over.
"Having two sheriff's deputies sitting across your desk is intimidating," attorney Todd Allen said afterward. "But so is having your home foreclosed on when it wasn't right."
For Warren and Maureen, it was the end of nearly two years of fear, exhaustion, and disbelief. But their attorney saw something bigger in it — a glimpse of what happens when ordinary people refuse to be worn down, and when the legal system, however slowly, actually works.
Sometimes David doesn't just survive Goliath.
Sometimes David shows up with a moving truck.