Lead lawyer David Zak of Zak Law Offices PC works in banking and mortgage litigation. Since establishing his practice in 2007, David Zak has been involved in hundreds of cases involving the Making Home Affordable Program (HAMP), established by President Obama in the wake of the 2007–8 subprime crisis to help homeowners with underwater mortgages avoid foreclosure through a process called mortgage modification. As a lawyer who turned to legal practice after a stint in underwriting and loan origination for major banks, David Zak is well versed in Fannie Mae, Freddie Mac and FHA guidelines. He has a record of negotiating permanent modifications, often with significant reductions in the principal balance of a mortgage. Besides his extensive knowledge of HAMP, Zak holds experience in various types of litigation. Prior to establishing his practice, he worked for the law firms Rudolph Friedmann LLP and Kliman Law Offices PC. His firm has also offered licensing services and can assist bankers and mortgage brokers in preparing for banking division audits, providing consultancy on compliance with banking guidelines at both the federal and state level. Zak graduated from Suffolk University Law School in 2003 with a JD degree. He also holds a Bachelor of Arts in American Studies from Brandeis University, where he published a thesis on Massachusetts Landlord-Tenant Law and graduated with High Honors.