Quality Representation and Excellent Service Your Legal Partner for Business, Real Estate and Mortgage Banking for the Western United States

Financial Services Division

Wright, Finlay & Zak’s ("WFZ") core practice area includes representing national, regional and small loan servicers, investors and originators in all aspects of mortgage banking and consumer finance litigation. 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 appeal, 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”) Consumer Finance Litigation Division has offices in California, Nevada, Arizona, Washington, Utah and Oregon giving WFZ a regional presence capable of handling all of your litigation and compliance 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.

If you have any questions regarding our Nationwide Litigation Management or Consumer Finance Litigation Division, please contact Robert Finlay or Robin Wright.

Please note, that neither Wright, Finlay & Zak, LLP's maintenance of this website, nor your use of it (including by reading it, or sending us any communication either through e-mail, mail, personal delivery or the messaging functions on this website) shall create any attorney-client relationship between you and the Firm or impose any duty or obligation on the Firm. An attorney-client relationship shall be created only by Wright, Finlay & Zak, LLP's expressly agreeing in writing that the Firm can and will represent you, and only after it has determined that the matter is one suitable for the Firm to handle and that there would be no conflict of interest in the Firm's representation of you. Typically, this will involve Wright, Finlay & Zak, LLP sending you an engagement letter which you then sign and return to the Firm. If you are not an existing client of the Firm, do not send us any confidential or proprietary information by e-mail or through this website, as your communication with us may not be treated as confidential or privileged. If you already are a client of the Firm and are communicating with us about a matter on which we represent you, please be aware that Internet communications are not necessarily secure. Accordingly, if you send us confidential or proprietary information through the Internet, you must be willing to accept the risk that the communication may not be security and that it might not be treated as still being confidential and protected from disclosure.