Homeowners Defrauded by MV Realty Will Get Restitution

The Florida Attorney General’s office continues to act expeditiously on behalf of homeowners defrauded by MV Realty, a problem first brought to its attention by Attorney Joseph Karp. For background on this issue, check out our prior blog post here.

As of this writing, the Attorney General has cleared all liens MV Realty had filed against property owners. The company has been ordered to pay $3 million by June 2026. 

Once the state receives those funds, it will get in touch with  homeowners who paid MV Realty to terminate their contracts to clear their title. If you are a defrauded homeowner and filed a complaint, expect to hear from the Attorney General’s office. You will receive instructions on the steps you must take to secure compensation. 

*If you have yet to file a complaint, get in touch with the State Attorney General. You can either call them or file online – a link for each option appears at the top of its website.*

Below we have posted the email the Attorney General has recently sent to individuals who already lodged complaints with that office:

From: Ellen Lyons <Ellen.Lyons@myfloridalegal.com>
Sent: Friday, December 19, 2025 4:46 PM

Subject: Resolution Of MV Realty Litigation

Dear Consumer,

Thank you for making a complaint with the Office of the Attorney General, State of Florida (“OAG”) about MV Realty PBC, LLC.  We are pleased to report that the OAG has secured final judgments against MV Realty and its principals, Antony Mitchell, Amanda Zachman and David Manchester.  The final judgments require MV Realty to pay $3,000,000.00 to the State of Florida by June 30, 2026.  If MV Realty fails to timely make the payment, the judgment amount will increase, up to a total amount of $18,000,000.00.  At this time, the OAG has not received any money from MV Realty, and we will not distribute any money to consumers until we receive the payment from MV Realty.  We will be back in touch when the payment has been received with further instructions regarding a process for consumers to make claims, which will be reviewed by our Office.

As you may know, our primary goal in bringing litigation against MV Realty was to terminate the thousands of “Memoranda” that MV Realty had recorded in public records.  The Memoranda acted like liens and kept consumers from being able to access their home’s equity.  Those liens were terminated in June 2025, for 9,303 Florida homeowners.

We were set to go to jury trial on December 5, 2025. The purpose of the jury trial was to determine if MV Realty and its principals could be subject to civil penalties for their deceptive, unfair and unconscionable behavior.  Many of you volunteered to take a day or two of your time to testify at our trial, and we are grateful to you for volunteering.  The Court moved the trial to January to allow the parties to continue settlement negotiations, and we are pleased that the case resolved on favorable terms.

These judgments are made possible by your complaints, your documents, and your willingness to testify.  Thank you very much for being a part of this litigation. Links to the final judgments are at the bottom of this message. In summary, the terms of the Consent Final Judgments are as follows:

• $18 million suspended judgment against MV Realty, designated as $6 million in disgorgement for ill-gotten gains, $10 million in civil penalties, and $2 million in attorneys’ fees and costs;

• $3 million in suspended penalties against MV Realty’s principals;

• $3 million payment required by MV Realty due by June 30, 2026;

• An injunction against any efforts to collect any monies from consumers related to the unconscionable Homeowner Benefit Agreement;

• Termination of all recordings in the public record related to Homeowner Benefit Agreements and the associated Memoranda;

• 10-year injunction against MV Realty’s principals related to conducting certain consumer-facing real estate activities;

• 10-year injunction against MV Realty’s principals creating or offering any class of assets secured by residential real property in Florida; and

• 10-year injunction against creating, operating, managing, or controlling any business that engages in consumer-facing telemarketing in Florida.

In conclusion, the OAG has resolved all of its claims against MV Realty, Antony Mitchell, Amanda Zachman and David Manchester. We have cleared the liens from Florida homes and obtained an agreement to pay $3,000,000.00, but that payment is not due until June 2026.  When we receive the payment from MV Realty we will reach out to consumers about any next steps.

Thank you again for working with us.  Have a wonderful holiday season.

Sincerely,

Ellen Lyons

Links to Consent Final Judgments:  CFJ Against MV Realty and CFJ Against Individuals