Your Legal Partner for Business, Real Estate and Mortgage Banking for the Western United States

Financial Services Division

Wright, Finlay & Zak’s ("WFZ") Link to google.comLink to google.comcore practice area includes representing creditors, including national, regional and small loan servicers, investors and originators in all aspects of consumer finance and mortgage banking. Representation ranges from defending creditors in individual borrower cases to class and “mass” actions involving payment misapplication, loan modification, wrongful foreclosure, predatory lending, bankruptcy, title, rent control, force-placed insurance, unfair business practices and other mortgage-related issues impacting our clients. Additionally, our attorneys are highly experienced at defending cases involving most Federal and State statutes, including the California and Nevada Homeowner Bill of Rights (HOBR), Federal Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Federal Credit Reporting Act (FCRA), Federal and State Debt Collection Practices Acts (FDCPA and California’s Rosenthal Act), Telephone Consumer Protection Act (TCPA), Servicemembers Civil Relief Act (SCRA), Federal Racketeer Influenced and Corrupt Organization Act (RICO), as well as claims involving Home Affordable Modification Program (HAMP) and Home Affordable Foreclosure Alternatives (HAFA). Whether during the pre-litigation phase, motion practice, discovery, trial or Link to to to to to, WFZ’s attorneys are always searching for the most efficient way to resolve the matter and avoid extended litigation. We understand our client’s goals and therefore we successfully resolve most cases via settlement that results in a performing asset or liquidation.

In addition to defensive matters, WFZ also specializes in mortgage fraud recovery, helping our clients recover mortgage losses caused by originator, broker or appraiser fraud and negligence. These types of actions include enforcing repurchase obligations and, in some instances, obtaining a pre-judgment Writ of Attachment on a company’s assets.

WFZ also regularly handles affirmative actions for judicial foreclosure, deficiency judgments, title curative and receiverships. In some instances, we put a receiver in place to prevent rent skimming or other fraud, in order to cut the income stream which decreases the incentive to cause unwarranted delay.

Wright, Finlay & Zak’s (“WFZ”) Link to /practice-areas/financial-services-division/consumer-finance-litigationLink to /practice-areas/financial-services-division/consumer-finance-litigationLink to /practice-areas/financial-services-division/consumer-finance-litigationLink to /practice-areas/financial-services-division/consumer-finance-litigationLink to /practice-areas/financial-services-division/consumer-finance-litigationConsumer Finance Litigation Division has offices in California and Nevada, and attorneys licensed to practice in many other states throughout the Western United States, gives WFZ a regional presence capable of handling all of your litigation and Link to to to to to needs in the Western United States. Additionally, since 2003, WFZ has provided some of our key clients with nationwide litigation management services. During this time, we have developed a network of excellent counsel throughout the country, who we work with on a daily basis to ensure that our clients' cases are being handled efficiently and competently.

Wright, Finlay & Zak, LLP California Debt Collector License Number 10087-99

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