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Consumer Finance Litigation Division

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.

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 instance, obtaining a pre-judgment Writ of Attachment on a company’s assets.

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