Practice Areas

Creditor Representation

The firm represents banks, credit unions, original creditors, debt buyers, and commercial creditors in collection actions across the country. Our work includes:

• Pre-suit demand and settlement negotiation
• Filing complaints on credit card, installment loan, auto deficiency, and commercial accounts
• Prove-up packages and assignment chain documentation under applicable state and federal evidentiary rules
• Motions for summary judgment and bench trials
• Defense of cross-complaints and counterclaims under the FDCPA and state fair debt collection statutes

FDCPA & State-Law Defense

The federal Fair Debt Collection Practices Act and state-law analogues — including California's Rosenthal Act, New York's article 29-H, and similar statutes in other jurisdictions — give consumers a private right of action against collectors that violate the statutes' substantive requirements. The firm defends creditors, debt buyers, and licensed collection agencies against these claims in state and federal court, both on counterclaims arising from collection actions and on standalone consumer suits.

Post-Judgment Recovery

A judgment is only the beginning of recovery. We assist judgment creditors with wage garnishments, bank levies, third-party debtor examinations, real-property judgment liens, keeper levies, sister-state judgment domestication, and judgment renewal proceedings to preserve enforceability under the law of the rendering jurisdiction.

Commercial Collections

Business-to-business collection matters require a different posture than consumer collection. We pursue breach of contract, open book account, account stated, and guaranty claims for businesses and creditors throughout the United States, and routinely handle pre-litigation negotiation and workouts.

Portfolio & Compliance Counseling

The firm advises debt buyers, original creditors, and licensed collection agencies on state licensing requirements, the federal FDCPA, Regulation F, and applicable state fair debt collection statutes. We review collection letters, telephone scripts, validation notices, and consumer-facing portals for compliance.