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Majestic Building Maintenance, Inc. v. Huntington, 864 F.3d 455 (6th Cir. 2017) – One of the few federal appellate decisions regarding the applicability of contract waivers under the Uniform Commercial Code, Article 3 in banking contracts.

Marais v. Chase Home Finance, LLC, 736 F.3d 711 (6th Cir. 2013) – This is one of the first decisions under the Real Estate Settlement Procedures Act regarding a borrower’s ability to maintain a claim under RESPA.

Slorp v. Lerner Sampson and Rothfuss, 587 Fed.Appx. 249 (6th Cir. 2014) – Precedent setting case regarding RICO and robo-signing.

Wells Fargo Bank, N.A. v. Gerst, 2014-Ohio-80 – The Ohio 5th District Court of Appeals decisions regarding the applicability of HUD Regulations on a Fair Housing Administration mortgage loan.

In re Forson, 583 B.R. 704 (Bankr. S.D. Ohio 2018) – Bankruptcy discharge matter regarding the applicability of pre-petition debts under 11 U.S.C. § 524.

In re Beiter, 590 B.R. 446 (Bankr. S.D. Ohio 2018) – Bankruptcy decision regarding the ability to allege bankruptcy violations as a class action in bankruptcy court.

Justice v. Ocwen Servicing, LLC, 2:13 CV 165 (S.D.Ohio 2014) – Decision under the FDCPA, TILA, and RESPA interpreting servicers’ requirements to respond with information requested by the customer.

Richard v. Caliber Home Loans, Inc., No. 2:15-CV-2647, 2017 WL 4349082 (S.D. Ohio Sept. 29, 2017) – FDCPA and TILA decision with defense against seven counterclaims.

MDL In re Fed Loan Student Loan Servicing Litigation, 2:18-md-02833-CDJ (E.D. Pa.) – Doucet has been appointed to the Executive Committee of this MDL that involves up to 325,000 student loan accounts.

Rose v. Friendly Finance, 2016 WL 6436667 (S.D. Ohio 2016) – Consumer case involving a kickback scheme involving a car sale.

Hill v. Homeward Residential, Inc., 799 F.3d 544 (6th Cir. 2015) – TCPA case regarding robo-calls.

PHH Mortg. v. Ramsey, 17 N.E..3d 629 (Ohio 10th Dist. 2014) – Defense of a foreclosure verdict, where the court found the mortgage company breached the terms of the mortgage.

Cassidy v. Teaching Co., LLC, 2014 WL 4377843 ( S.D. Ohio 2014) – Case regarding the FTC’s Order on false advertising discounts and Ohio’s CSPA.

In re Dibling, 514 B.R. 254 ( S.D. Ohio 2014) - Successful adversarial proceeding for bankruptcy violations.

Union Sav. Bank v. Schaefer., 2013 WL 6843607 ( 10th Dist. 2013) and Flagstar bank, FSB v. Cintron, 984 N.E.2d 398 (2nd Dist. 2012) – Cases litigating TILA rescission of residential mortgage refinances.

Troy Doucet

Troy Doucet opened the firm in 2010, immediately after graduating law school. Law is a second career for him, after extensive work in the mortgage industry.

Troy maintains top ratings from most of the companies that keep track of that sort of thing. He is rated AV Preeminent Rating from Martindale Hubble, and was named a Top 100 High Stakes Litigator for Ohio in 2019. He is a “SuperLawyer” in the area of debtor/creditor law, a designation only the top 5% of lawyers achieve. He obtained that designation the first year he was eligible, after being rated a SuperLawyer Rising Star for six years. He was awarded SuperLawyer’s national Pro Bono award in 2014 when his firm hired a dedicated pro bono lawyer to help the poor.

Troy has litigated hundreds of cases and dozens of appeals in his career, with several notable decisions that shape consumer law at the Sixth Circuit federal appellate court. He is licensed to practice law in Ohio and Florida, in several federal courts that include the Supreme Court of the United States of America.

Troy is dedicated to doing good by people. His mission of helping people was shaped by his own personal experiences with financial loss. In 2005, Troy’s previous mortgage business collapsed, forcing him into bankruptcy at 26 years old. He lost his home to foreclosure. He had to completely reset and returned to school to finish his undergraduate degree before continuing to law school, where he excelled.

Before his difficult experiences, Troy ran a mortgage business that helped people. In 2004, a national magazine featured him as its cover story about his work in the industry.  However, his good work wasn’t enough to keep the business afloat. In 2006, he was forced to start over.

He returned to finish his undergraduate degree in economics at The Ohio State University. He then went onto law school, where he graduated at the top of his class from Capital University Law School, magna cum laude. He focused on classes that would help him understand the legal world in a hands-on way. He excelled in classes like Consumer Law, Real Estate Finance, Complex Litigation, Conflicts of Laws, and Contracts. That coursework shaped him into the lawyer he is today.

Troy started volunteering at the Legal Aid Society of Columbus in law school. He graduated with pro-bono honors and still volunteers with the Legal Aid Society of Columbus from time to time. Troy has been committed to pro bono work and even hired a dedicated lawyer just to handle pro bono matters. Troy funded that position for about two years (2014-2016).

Due to Troy’s years of work in the mortgage industry, he has a unique and comprehensive understanding of consumer and mortgage financing and foreclosure defense. He published a 440-page book about litigating foreclosure cases in 2008, titled, 23 Legal Defenses to Foreclosure which was completely updated in 2021 with Andy Gerling called 27 Legal Defenses to Foreclosure, and then published an integrated copy of Regulation Z in 2009, titled Regulation Z of the Truth in Lending Act: 12 C.F.R. Part 226. In 2014, he published The Art of War for Lawyers. He regularly speaks on the topic of foreclosure and consumer law and has taught numerous CLE courses for other lawyers.

Troy was born in 1979 and grew up in a military family. His father flew B-52 and O-2A airplanes and retired from the Air Force after 30 years of service, completing his career as a Colonel at Wright Patterson Air Force Base in Dayton, Ohio. Troy graduated from Centerville High School (near Dayton, Ohio) in 1997.

In 2022, Troy learned that he is autistic.  He describes the diagnosis as a relief, as it put many of his life experiences into the right perspective.  He now regularly speaks on autism in life and business, and has gained several thousand followers on LinkedIn who follow his stories and practical advice.  Follow him through this link.

Troy resides in Hilliard with his wife Julie, and has three daughters, Alondra, Claire, and Maria.

Troy is licensed to practice law in all Ohio and Florida state courts and multiple federal courts that include: The United States District Courts for the Northern and Southern Districts of Ohio, The United States District Court for the Southern District of Florida, the federal Sixth Circuit Court of Appeals, and the Supreme Court of the United States.


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