MARTINEZ & TORRES LAW OFFICES, PSC

What MARTINEZ & TORRES LAW OFFICES, PSC does

Martínez & Torres Law Offices, P.S.C. is a privately held professional service corporation law firm established in 1998 and headquartered in San Juan, Puerto Rico. The firm provides legal services concentrated on the mortgage banking industry, organized around three practice areas: foreclosure and evictions (including a dedicated title resolution division), creditor-side bankruptcy representation, and corporate, real estate, REO disposition, and notary law. Over twenty years of operation it has handled more than 40,000 collection and mortgage foreclosure cases in both Puerto Rico state courts and the U.S. District Court for the District of Puerto Rico, and currently represents more than thirty financial institutions, investors, and servicers — including Fannie Mae and one of the largest mortgage banking institutions in Puerto Rico, its founding client.

The firm's business model is direct, relationship-driven professional services delivery with no disclosed subscription or productized pricing; legal services are quoted per matter and the firm competes on cost-efficiency, reporting discipline, and jurisdictional expertise rather than technology. Its go-to-market is exclusively referral-based, driven by existing institutional clients and other attorneys and professionals. There is no disclosed technology platform, no AI/ML tooling, and no digital distribution channel — operations rely on an internal case tracking system and human legal expertise.

The firm is bootstrapped, owner-operated, and independently owned with no parent company, institutional investors, or M&A activity disclosed. Its operating geography is limited to Puerto Rico, and all clients identified are U.S. financial institutions with PR mortgage exposure, creating single-vertical and single-jurisdiction concentration.

Name

MARTINEZ & TORRES LAW OFFICES, PSC

Legal name

Martínez & Torres Law Offices, P.S.C.

Website

https://martineztorreslaw.com

Company type

Private

Founded year

1998

Operating status

Operating

Short description

Martínez & Torres Law Offices is a San Juan, Puerto Rico law firm founded in 1998 that provides foreclosure, bankruptcy, and corporate/real estate legal services to over thirty mortgage banking financial institutions and investors in the Puerto Rico market.

Ownership category

akta.pro rank

Product category

Legal Services

NAICS

Offices of Lawyers (541110), Offices of Lawyers (54111), Legal Services (5411)

SIC

Services-Legal Services (8111)

akta.pro primary industry

Bankruptcy, Restructuring & Insolvency Law (BPAHAAAH)

akta.pro secondary industries

Corporate & Commercial Law (BPAHAAAA), Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH)

Keywords

• Mortgage foreclosure services
• Creditor bankruptcy representation
• REO disposition legal services
• Real estate closing law
• Default servicing legal counsel

Headquarters

HQ city

San Juan Capistrano

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Distribution channels1 record

Marketing channels1 record

Core offering

Martínez & Torres Law Offices, P.S.C. is a Puerto Rico law firm that provides specialized legal services to the mortgage banking industry, including foreclosure and eviction representation, creditor-side bankruptcy services, and corporate, real estate, REO disposition, and notarial services. The firm represents over thirty financial institutions, investors, and servicers, and has handled over forty thousand collection and mortgage foreclosure cases since 1998, with practice coverage in both State Court and the District Court for the District of Puerto Rico.

Product overview

Martínez & Torres Law Offices, P.S.C. is a single-location law firm providing legal services primarily to the mortgage banking industry in Puerto Rico. The firm operates as a unified legal services practice organized into three interconnected service lines: (1) Foreclosure and Evictions covering the complete default process from demand letters through eviction, including a dedicated title resolution division; (2) Bankruptcy Services representing creditors in all bankruptcy-related matters; and (3) Corporate, Real Estate, REO Disposition and Notary Law offering transactional legal services. The firm has handled over 40,000 collection and foreclosure cases since 1998 and currently represents over thirty financial institutions, investors, and servicers.

Differentiator

Problem solved

Functional benefit

Products and services

• Foreclosure and Evictions Comprehensive foreclosure services for financial institutions, mortgage bankers, investors, and servicers in Puerto Rico, covering demand letter review, mediation attendance, loss mitigation assistance, judgment pursuit, sale attendance, eviction completion, and title resolution (insurance claims, quiet title actions, and title litigation). For clients with defaulted mortgage loans in Puerto Rico.
• Bankruptcy Services Creditor representation in bankruptcy matters in Puerto Rico, including plan review, plan objections, proof of claim preparation and filing, claim objection defense, payment change notices, post-petition fee notices, motions for relief, adversary proceedings, and cramdown litigation. For financial institutions, servicers, and investors whose borrowers file bankruptcy.
• Corporate, Real Estate, REO Disposition and Notary Law Transactional and notarial legal services in Puerto Rico, including corporate reorganizations, tax planning, creation of special partnerships and corporations, asset transfers, stock purchase agreements, corporate mergers and acquisitions, end-to-end real estate disposition (title review and clearing, closing disclosure preparation and review, coordination and attendance), and notarial services for real estate transactions. For corporations, business entities, and real estate investors.

Quantifiable outcome

• Over 40,000 collection of money and mortgage foreclosure cases handled in 20 years
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves4 records

Expansion highlights2 records

Direct peers

• Stern & Eisenberg, PC: Default servicing-focused law firm handling residential foreclosure, bankruptcy and related creditor representation across multiple jurisdictions. Comparable scope of services and target client base (financial institutions and servicers) to Martínez & Torres.
• Robertson, Anschutz & Schneid, PL: Large foreclosure and consumer default practice representing lenders, servicers and investors nationwide. Directly comparable operating model and client base, with potential overlap in jurisdictions including U.S. territories.
• Aldridge Pite, LLP: Multi-state foreclosure and default servicing law firm representing lenders, servicers and investors in mortgage default matters. Comparable as a dedicated default servicing practice that competes for the same GSE, bank and investor panel work as Martínez & Torres.
• Weissmann Wolff: Florida-based mortgage default services firm with foreclosure, bankruptcy and title resolution capabilities. Directly comparable in offering breadth and financial institution client base, serving similar GSE and servicer relationships.
• Orlans PC: Default services law firm providing foreclosure, bankruptcy, eviction and title resolution to financial institutions and investors. Closely comparable service-line coverage and client mix to Martínez & Torres.

Regional players

• McConnell Valdés LLC: Largest full-service law firm in Puerto Rico, with practices in banking, corporate and real estate that overlap with Martínez & Torres' corporate and REO work. Geographic overlap in Puerto Rico but broader, general-purpose practice rather than default-servicing specialty.
• Goldman Antonetti & Córdova LLC: Major Puerto Rico corporate and banking law firm whose practice overlaps with Martínez & Torres' corporate, real estate and notarial service lines. Same geography but focused on broader transactional and regulatory work rather than default servicing.
• Heavner, Beyers & Mihlar, LLC: Midwest-based default services firm serving mortgage banking clients with foreclosure and bankruptcy representation. Operates in a similar niche and service model but in a different U.S. geography.

Broad incumbents

• Troutman Pepper Locke: National law firm with a sizable default services practice group representing financial institutions in foreclosure, bankruptcy and consumer finance matters. Comparable client base, but offering is part of a much broader full-service firm.
• McCalla Raymer Leibert Pierce, LLC: Large, established national default services firm serving major banks, GSEs and servicers across many jurisdictions. Comparable in target market and core offering but operates at significantly greater scale and geographic breadth.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MARTINEZ & TORRES LAW OFFICES, PSC