The way Credo LLC tells it, it practically begged Wells Fargo Bank N.A. to take its money—millions for a seized waterfront estate once belonging to disbarred Miami Beach attorney Sally Sawh.

The real estate investor insists it sought to avoid litigation by asking the lender to disclose how much would be required to redeem or pay off the mortgage, but the bank cited privacy regulations in withholding debt details. Wells Fargo pressed on with the foreclosure.