Specializing in the needs of the real estate finance industry in Puerto Rico and beyond, HMB Law Group offers a complete suite of legal services to serve our clients' legal needs. The Default Servicing Department is headed by founding members Stephen Hladik and Miguel Maza. Mr. Hladik is a former Pennsylvania Deputy Attorney General in charge of the Harrisburg office of the state’s Bureau of Consumer Protection, and a recognized expert in lending law, Mortgage Foreclosure and Tax Sale Law, and has represented clients from every sector of the mortgage industry. Mr. Maza has practiced in all aspects of consumer finance law for almost a quarter century, successfully representing lenders and creditors in numerous matters. We take the time to fully understand our clients’ unique circumstances before devising a strategic and cost-effective approach that is customized for each client’s situation.