Michael J. Lubes was licensed as an attorney in 2004 and is an Associate Attorney at the Cleveland Office & Consumer Collections Practice Group as well as the Default Practice Group. His practice areas include all facets of Consumer Collections, Foreclosure and Creditors' Rights litigation.Gerner & Kearns Co., L.P.A. is a real estate and creditor's rights law firm that performs residential and commercial real estate services including loss mitigation, foreclosure, bankruptcy, and eviction statewide in Ohio, Kentucky, Indiana, and Michigan. We understand how important time and quality are to our mortgage lending and financial institution clients. We utilize state-of-the-art technology and employ top-notch personnel for a refined process that achieves outstanding results for our clients and their goals.