Michael H. Gaier, Esq.


  • Foreclosure defense; loan reductions and modifications;
    foreclosure litigation
  • Personal Injury
  • Civil litigation
  • Employment claims and defense
  • Intellectual property defense

Since 1987, Michael Gaier has represented hundreds of homeowners in Pennsylvania and New Jersey, successfully securing principal loan reduction, dismissals of foreclosure lawsuits and loan modifications. In addition to defending homeowners when the bank sues them, Mr. Gaier has successfully filed dozen of lawsuits against the “big banks,” including Bank of America, Wells Fargo and Chase Bank for predatory lending and loan servicing mistakes.

Mr. Gaier’s representation gives his clients the peace of mind that they deserve when fighting a foreclosure lawsuit to secure a result that can best suit their needs. He not only represents homeowners who have already been sued by their bank, but also represents homeowners who are pre-foreclosure and past foreclosure (with a judgment already against them).

In his commercial practice, Mr. Gaier represents businesses in a variety of ways, including transactional work (formation, by-laws, drafting agreements, etc.) to litigation (shareholder suits, trademark infringement, franchisee violations, etc.). He has represented businesses in the Southeastern Pennsylvania and Southern New Jersey area in federal and state courts, and has also counseled businesses on their expansion, reduction, new markets and employment issues of all kinds.

The skills and experience developed over 25 years of practice have become invaluable in Michael’s pursuits as an arbitrator of complex litigation matters as well as a participant in arbitrations, mediations and trials.

Additionally, Martindale-Hubbell has distinguished Mr. Gaier with its highest “AV Preeminent Rating” ranking for legal ability and adherence to ethical standards.


  • Camden County Bar Association, Debtor/Creditor Committee, 2012-2013
  • Temple Inn of Court, Executive Committee, 2009-2011
  • Philadelphia Bar Association
    • Co-Chairman, Small Firm and Solo Practice Committee, 2010
    • Co-Chair, Insurance Law Committee, 2009
  • Pennsylvania Bar Association, Member
  • Interfaith Center of Greater Philadelphia, Advisory Committee, 2003-2004
  • American Bar Association, Member
  • Philadelphia Trial Lawyers Association, Member
  • Pennsylvania Trial Lawyers Association, Member
  • Temple University School of Law Advocacy, 1992
  • Judge Pro Tempe, Court of Common Pleas, Philadelphia, 1999-2008
  • Philadelphia Bar Association, Compulsory Arbitration Committee, 1996-1999
  • Big Brother/Little Brother Association of Philadelphia , 1990-1994


  • Martindale-Hubbell Pre-eminent “AV” Rating


  • Don’t Lose Your Home!!! End the Nightmares And Save Your Home: What Can Be Done When You Are Near Or In Foreclosure, Camden County Library, Cinnaminson, July 2013
  • Don’t Lose Your Shirt And Your Home: What Professionals Must Know About The Tricky Area Of Foreclosure Defense”, Burlington County Bar Association, June 2013
  • The Product Liability Trial, National Business Institute, December 2008
  • Expert Witnesses, National Business Institute, October, 2008
  • Strategies at Trial, National Business Institute, December, 2007
  • Litigation Strategies and/or Automobile Insurance Law, National Business Institute, May 2007
  • Anatomy of a Product Liability Trial, National Business Institute, July 2006
  • How to Get Evidence and Expert Testimony Admitted at Trial, National Business Institute,
    April 2006


  • J.D., New England School of Law, 1987
  • B.S., Pennsylvania State University, 1984


  • Pennsylvania
  • New Jersey


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