ANSWERS Speaker Information
General Session 1 – Management Best Practices - How to Be a Multiplier, Not a Diminisher
Monday, July 21, 2025
Grand Sierra Ballroom
9:00 AM – 10:00 AM Pacific Time
This session will be based on the book Multipliers, by Liz Weisman, that does a deep dive into the two fundamental types of managers - multipliers and diminishers. Multipliers exhibit management qualities that allow them to unlock the potential of their employees and mold them into independent, successful individuals, whereas diminishers get overly involved, kill the energy in the room, and do not allow their employees to grow.
All of us are multipliers or diminishers at any given point in time (some fall more on one end of the spectrum or the other), and this panel will explore the traits of each of these types of individuals, discuss real world examples of how the panelists have embodied these personas (good and bad), and ways all of us can improve our management styles to become better multipliers and less as diminishers.
Moderator:
Speakers:
Blake A. Strautins, Esq.
Managing Partner
Kluever Law Group, LLC
200 N. LaSalle Street, Suite 1880
Chicago, IL 60601
(312) 909-3929
[email protected]
Blake A. Strautins is a co-owner and managing partner of Kluever Law Group, LLC, where he heads the firm’s litigation department. Blake attended Boston University, where he received a bachelor’s degree in political science in 2004, and he then earned his juris doctor from DePaul University College of Law in 2007. Blake was admitted to the bar in Illinois that same year.
Blake has been practicing in the field of complex litigation his entire legal career, with a focus on creditor’s rights litigation and mortgage foreclosure litigation and appeals in Illinois since 2014. His significant experience includes litigating cases concerning the FDCPA, TILA, and complex mortgage foreclosure litigation issues. Over the last few years, he personally handled and won several appeals in Illinois that created new law favorable to the mortgage foreclosure plaintiffs’ bar. Blake takes great pride in charting the firm’s path forward into continued growth and success in partnership with its diverse client base.
He is a volunteer member of the Chicago Bar Association’s Judicial Evaluation Committee, where he helps evaluate judicial candidates for the bench. He also consistently volunteers to judge CBA and ABA moot court and moot arbitration competitions each year, while working as a mentor to young attorneys. He was awarded the ALFN JPEG Picture the Future Award in 2021 and is presently serving as a member of the ALFN Board of Directors, where he also holds the position of Treasurer for the ALFN.
He most recently spoke on the topic of emerging litigation topics across the nation at ALFN INTERSECT in 2023. He also spoke on the topic of leadership at ALFN ANSWERS in 2023. Each of these panels was well-attended and well-received by all, including servicers in the audience that thanked me for my insights and presentation.
His most recent published success in the Illinois appellate court resulted in successfully obtaining a key published mortgage foreclosure ruling in U.S. Bank Nat'l Ass'n as Tr. for Registered Holders of First Franklin Mortgage Loan Tr., Mortgage Loan Asset-Backed Certificates, Series 2007-FF2 v. Gagua, 2020 IL App (1st) 190454, which is the leading case in Illinois on the requirements for judgment affidavits and compliance with Illinois law on same.
Blake is a regular contributor to the ALFN Angle, most recently with the edition that was released in November 2023 on the topic of new Illinois foreclosure notices put in place throughout the state.
Alicia Dux
AVP of Agency Foreclosure, Bankruptcy, & Loss Mitigation
BSI Financial Services
4200 Regent Blvd, Suite B200
Irving, TX 75063
(972) 704-5688
[email protected]
Alicia is a dedicated and results-oriented Mortgage Servicing Professional with over 20 years of experience in the financial services industry. She has a proven track record of effectively managing and servicing mortgage portfolios while ensuring compliance with industry regulations and company policies. Adept at fostering positive customer relationships, resolving complex issues, and optimizing operational efficiency. She is strong at analytical, communication, and leadership skills, with a commitment to delivering superior service and maximizing client satisfaction.
Within these 20+ years, she has climbed the corporate ladder from a receptionist to Assistant Vice President. Her journey has been defined by unwavering determination, honed skills, effective leadership, a commitment to continuous learning, and a passion for developing both teams and individuals. She firmly believes that success is a natural outcome when we have a clear vision of our long-term goals for both our organization and ourselves.
Certifications:
Certified Mortgage Servicer (CMS)
Skills:
Loan Servicing, Regulatory Compliance, Portfolio Management, Team Leadership, Customer Relationship Management, Data Analysis, Process Improvement, Communication, Problem Solving
Annalise Hayes DeLuca, Esq.
Managing Partner - FL
McMichael Taylor Gray, LLC
3550 Engineering Drive, Suite 260
Peachtree Corners, GA 30092
[email protected]
Annalise Hayes DeLuca is the Florida Managing Partner at McMichael Taylor Gray, LLC. Over the last 12 years, Annalise has risen through the ranks of the legal profession from law clerk, to Associate, to Partner, and ultimately her current role. In addition to her decade plus experience in all aspects of the mortgage and default services space, Annalise has helped to build a robust landlord-tenant practice over the past several years. She is also in her second term as Secretary of the Junior Professionals & Executive Group of the American Legal & Financial Network and is a regular contributor to industry publications.
Jim Timberlake, Esq.
President
Baer & Timberlake, P.C.
5901 N. Western Avenue, Suite 300
Oklahoma City, OK 73112
405-842-7722
[email protected]
CEO, cycling aficionado, and lifelong learner, Jim believes the best way to improve is to surround yourself with people who are smarter than you. Born in Fort Hood, Texas, and raised in Oklahoma, Jim earned his BBA in Finance at SMU in Dallas, then returned home to Oklahoma for law school. He can usually be found on a bike or researching some obscure topic. Traveling is a passion (usually with a bike in tow), with Colombia being his most recent adventure.
Marcy Ford, Esq.
Managing Partner
Trott Law, P.C.
31440 Northwestern Highway, Suite 145
Farmington Hills, MI 48334
(248) 594-5403
[email protected]
Marcy J. Ford is a Managing Partner with Trott Law, P.C., a premier default legal services firm with offices in Michigan, Minnesota, and Indiana. She is a member of the State Bar of Michigan, the American Bankruptcy Institute, the National Association of Chapter 13 Trustees, and a member and former board representative of the Consumer Bankruptcy Association of (Eastern District of Michigan.) She served on the USFN Board for 11 years and was USFN President from 2012 to 2014, and has been active in the ALFN and WILL. She is a frequent speaker and a published author on bankruptcy and mortgage default topics.
General Session 3 – Regulatory Compliance Trends Fireside Chat
Tuesday, July 22, 2025
Grand Sierra Ballroom
9:00 AM – 10:00 AM Pacific Time
Join us for an insightful fireside chat exploring the evolving regulatory environment shaping the default mortgage servicing industry in 2025. Attendees will gain a forward-looking perspective on compliance strategies, risk mitigation, and how to stay ahead in a landscape where regulatory momentum is increasingly decentralized.
Moderator:
Speaker:
Natalie A. Grigg, Esq.
Partner
Tromberg, Morris & Partners, PLLC
39 Broadway, Suite 1250
New York, NY 10006
Phone: 212-267-3550
[email protected]
Natalie A. Grigg is a seasoned attorney with over two decades of experience in creditors' rights, foreclosure, bankruptcy, litigation, and default servicing. She currently serves as a Partner and Managing Attorney for New York and New Jersey at Tromberg, Miller, Morris & Partners, PLLC (TMMP), where she provides strategic legal guidance to financial institutions, mortgage servicers, and investors, where she provides strategic legal guidance to financial institutions, mortgage servicers, and investors Her practice spans the full-spectrum of default-related matters including contested and uncontested foreclosures, bankruptcy proceedings, eviction actions and complex litigation.
Before joining TMP, Natalie was a Partner at Woods Oviatt Gilman LLP, leading the firm's Default Servicing Department. In this role, she oversaw staff and attorneys, ensuring compliance with state and federal laws and regulations. Her practice encompassed representing lenders, investors, and servicers in residential mortgage foreclosures, bankruptcy actions, evictions, and related litigation throughout New York State.
Natalie is active in her local community and in the industry as a whole, and was the immediate past Chair of the Board of Directors for the American Legal Financial Network. She is a recognized speaker and author, blending her legal expertise with her passion for professional development, presenting on topics such as legal trends, leadership issues, and attorney wellness.
Natalie holds a J.D. from the University at Buffalo Law School. She is admitted to practice in all New York State Courts as well as the U.S. District and Bankruptcy Courts across New York State.
Nathan Willner, Esq.
Vice President – Government Affairs (State)
National Creditors Bar Association (NCBA)
2705 Steele Road
Baltimore, MD 21209
410-382-7588
[email protected]
Nathan Willner is the Vice President of Government Affairs for the National Creditors Bar Association (NCBA) and a registered federal lobbyist. He collaborates regularly with state and federal legislators, legal and banking trade associations, and regulatory agencies. Previously, Mr. Willner practiced law at Lyons, Doughty and Veldhuis, P.C., where he managed legislative affairs and maintained an active litigation practice in Maryland. He notably prevailed in the Townsend v. Midland case, which clarified debt collection litigation standards in Maryland.
A recognized speaker, Mr. Willner lectures on topics such as lobbying, judiciary relations, and ethics. Among his professional achievements, he received the prestigious 2022 Leaders In Law Award from the Maryland State Bar Association and the Daily Record. Mr. Willner is actively involved in legal and community organizations, serving as a past Chair of the National Association of Bar Executives, Government Relations Section and current President of the Association of Corporate Counsel- Baltimore Chapter. He has participated in multiple Baltimore City Mayors’ Transition Teams and joined economic missions to Israel and Jordan, including one with Governor Martin O'Malley.
Mr. Willner earned his Juris Doctor from the University of Maryland School of Law and his Bachelor of Arts in Political Science from Temple University, graduating Phi Beta Kappa.
Breakout Session 1 – The State of State Enforcement Actions
Tuesday, July 22, 2025
Grand Sierra Ballroom AB
10:15 AM – 11:15 AM Pacific Time
With the sweeping changes at the CFPB, many states are expected to take the lead on consumer and mortgage lending/servicing enforcement. This panel will discuss which states are most likely to lead the charge, what types of enforcement actions are likely and what servicers and attorneys should anticipate.
Moderator:
Speakers:
Deanne Stodden, Esq.
Partner
Messner Reeves LLP
1430 Wynkoop Street, Suite 300
Denver, Colorado 80202
(303) 623.1800
[email protected]
Deanne's practice encompasses all areas of real estate law, business law, banking law and creditor's rights. The majority of her legal career has focused on the representation of large and small financial institutions and other creditors in residential and commercial foreclosures, loan workouts, deficiency actions and real estate-related litigation. Deanne has significant experience negotiating and documenting loan transactions involving real estate. She drafts and negotiates leases, license agreements, cell tower leases and enjoys working with small businesses and entrepreneurs on entity formation, organization documents and contracts. In addition to her work, Deanne is active in the legal community and is a frequent author and speaker on a variety of real estate law and creditor's rights topics. Deanne is currently a member of the Colorado Bar Association Ethics Committee and is a liaison to the Colorado Bar Association Real Estate Section Council. In addition, Deanne is the Managing Editor of the Colorado Bar Association/CLE Colorado Real Estate Practice books and collaborates with the other authors to teach the 13-week course in real estate law to new lawyers, paralegals and other attendees.
Manny Newburger, Esq.
Attorney/VP/Shareholder
Barron & Newburger, P.C.
7320 N. Mopac Expy., Suite 400
Austin, TX 78731
(512) 649-4022
[email protected]
Manny Newburger leads the Consumer Financial Services Law Practice Group at Barron & Newburger, P.C., representing and advising financial institutions, debt buyers, law firms, and collection agencies. He has practiced in Texas since 1983, and he is also licensed to practice in Colorado, Massachusetts, and Wisconsin. Mr. Newburger defends consumer litigation across the United States, and he is also admitted to practice before the United States Supreme Court, twelve federal circuit courts of appeals, and twenty-four federal district courts. In addition to his licenses he has been certified as a specialist in consumer and commercial law by the Texas Board of Legal Specialization.
Mr. Newburger is a graduate of the University of Texas School of Law, where he taught consumer law from 1999 to 2022. He is a Fellow of the American College of Consumer Financial Services Lawyers, and a member of the National Creditors Bar Association and the ABA. His practice focuses on litigation, litigation management and strategy, and regulatory defense and compliance, and he also serves as a settlement negotiator in complex cases and as a mediator.
Mr. Newburger is known nationally for his expertise in consumer and commercial law, and he is the author of books and articles covering a variety of consumer law issues affecting the collection industry.
Ryan Bourgeois, Esq.
General Counsel – Partner
BDF Law Group
4004 Belt Line Road, Suite 100
Addison, TX 75001-4417
(972) 386-5040
[email protected]
Ryan Bourgeois is a partner with Barrett, Daffin, Frappier, Turner and Engel and manages the Texas, Colorado and Georgia Foreclosure Groups and serves as the firms Compliance Officer. He attended Texas Christian University earning a Finance degree in 2002. He received a Juris Doctor from Southern Methodist University Dedman School of Law in 2005. Mr. Bourgeois is currently licensed in Texas, Georgia, and Colorado. Mr. Bourgeois is the co-chair of the USFN Advocacy Task Force. Mr. Bourgeois is also currently a member of the Legal League 100 Advisory Council and the Special Initiatives Working Group. Mr. Bourgeois has written numerous industry articles and presented at several industry conferences and real estate CLE’s in Texas.
Breakout Session 2 – Post-Foreclosure Issues
Tuesday, July 22, 2025
Grand Sierra Ballroom CD
10:15 AM – 11:15 AM Pacific Time
Join us for an insightful panel session that addresses the multifaceted challenges of post-sale foreclosure, creative title resolutions, and squatters' rights. Our expert panel will delve into the complexities of achieving clear marketable title, analyzing common impediments such as title issues, litigation, bankruptcy, missing documentation, and uncooperative third-party buyers, and offering practical solutions to mitigate these costly delays. Addressing clouds on title is a key challenge for foreclosure firms, and the discussion will cover title insurance policies, resolving common issues like prior unreleased trusts, legal description errors, and prior judgments, as well as creative solutions for uncommon issues like improperly executed documents, easements, and boundary disputes, illustrated through case studies. Additionally, with evolving laws on squatters' rights, the panel will provide timely insights into pending and existing legislation in states like Texas, Florida, and California, and strategies for dealing with squatters and other post-sale challenges. Gain comprehensive insights and practical strategies from experienced panelists on navigating these complex post-foreclosure issues, ensuring smoother processes and better outcomes for all involved.
Moderator:
Speakers:
Adam Diaz, Esq.
Partner
Diaz | Anselmo
499 NW 70th Ave, Ste. 309
Plantation, FL 33317
(954) 564-0071, ext. 213
[email protected]
Adam Diaz is a Partner at Diaz | Anselmo in Ft. Lauderdale, FL. He is AV Rated by Martindale-Hubbell which is the highest peer rating for Ethical Standards and Legal Ability. Adam has concentrated his practice in the areas of mortgage foreclosure and real estate, bankruptcy, consumer protection actions and commercial litigation. He is admitted in all Federal Courts in Florida as well as the United States Court of Appeals for the Eleventh Circuit. Adam is also licensed to practice in Illinois, Ohio, and Wisconsin. Adam has been instrumental in advancing the law in the Bankruptcy Courts for Creditors, and obtained one of the first opinions providing that a debtor is barred from defending property after surrender, as well providing that a Debtor cannot cramdown multiuse residential property.
Jianna Jaquez Santos, Esq.
Attorney
McCabe Weisberg & Conway
312 Marshall Ave Suite 800
Laurel, MD 20707
(240) 709-4001
[email protected]
Current Practice at McCabe in the area of creditors’ rights for three years with a focus on foreclosure litigation, eviction litigation, and title-related litigation. Previous experience as a Settlement Agent and Attorney at a Maryland law firm focusing on Title and Real Estate law. Received Juris Doctorate from Antonin Scalia Law School in 2019 and Bachelor degree from the University of Maryland in 2016. Admitted to practice in both Maryland and the District of Columbia having been admitted to the Court of Appeals, MD (2020), Court of Appeals, DC (2020), United States District Court for the District of Maryland (2023), United States District Court for the District of Columbia (2024).
Joseph A. Camillo, Jr., Esq.
Managing Partner - New England Foreclosure, Default Servicing & Litigation Practice Groups
ALAW
400 Tradecenter Drive, Suite 5900
Woburn, MA 01801
781-269-6501
[email protected]
Joseph A. Camillo serves as the Managing Partner of ALAW’s New England Foreclosure, Default Servicing, and Litigation Practice Groups. With over 30 years of legal experience, he is a recognized authority in Banking, Creditors’ Rights, Bankruptcy, Foreclosure, Real Estate, Litigation, Regulatory Compliance, and Condominium Law.
Joseph’s expertise includes extensive representation of public and quasi-governmental agencies, such as the Massachusetts Housing Finance Agency, Rhode Island Housing, Maine State Housing Authority, Fannie Mae, Freddie Mac, HUD, USDA, and the Veterans Association.
In addition to his legal practice, Joseph holds several professional affiliations and leadership roles:
A sought-after speaker, Joseph lectures nationwide on topics such as foreclosure, bankruptcy, eviction, condominium law, and litigation.
Education
Keller Mackie, Esq.
President
Mackie Wolf Zientz & Mann, P.C.
14160 N. Dallas Parkway, Suite 900
Dallas, TX 75254
(214) 635-2651
[email protected]
Keller Mackie is a 4th generation Texan from Fort Worth who serves as the Firm’s President and Chief Information Security Officer. He has over twenty-five years of experience in mortgage banking issues related to residential mortgage origination and servicing. Keller is licensed to practice law in Massachusetts and Texas and is a frequent speaker at mortgage banking/servicing conferences on relevant legal topics including:
Breakout Session 3 – AI in Legal Practice
Tuesday, July 22, 2025
Alpine Ballroom B
10:15 AM – 11:15 AM Pacific Time
Explore the transformative impact of AI on the legal industry in this engaging panel session. Our expert panelists will discuss how AI technologies are revolutionizing legal practice, from automating routine tasks to enhancing decision-making processes.
Key topics will include:
Join us to gain valuable insights into the current and future applications of AI in the legal field, and learn how to leverage these technologies to enhance your practice and stay ahead in a rapidly evolving industry.
Moderator:
Speakers:
Randall S. Miller, Esq.
President/CEO
Randall S. Miller & Associates
American Legal & Financial Network “ALFN”
43252 Woodward Avenue, Suite 180
Bloomfield Hills, MI 48302
(248) 335-9200 x101
[email protected]
Randall S. Miller, Randy as he is called by his friends, graduated from Michigan State University in 1987 with a B.S. in Political Science/Pre-Law. He earned his J.D. at the Detroit College of Law in 1992. After spending over a decade as a trial attorney, Randy started his law firm, Randall S. Miller & Associates in 2002. The firm is now in the States of Colorado, Illinois, Michigan, Minnesota, Wisconsin and Wyoming. Randy is also the CEO of U.S. Default Management, a back office solutions provider, helping save servicers millions of dollars per year. His current focus is on their new Universal Attorney Audit Platform, which benefits servicers and attorneys alike. Schweitzer Title Agency, LTD is another of Randy’s companies, providing national title solutions, as well as handling closing/escrow matters. He formerly sat on both the Executive Board and Executive Committee of the Association of Trial Lawyers of America, and headed its PAC Task Force. He also served on the Executive Board of the Michigan Association for Justice. As a member of the State Bar of Michigan Representative Assembly, an elected position that he held until being term limited out, he chaired its Drafting Committee where he had the ability to redraft Michigan’s’ attorney ethics standards.
Adam Friedman, Esq.
Managing Partner
Friedman Vartolo, LLP
1325 Franklin Avenue, Suite 160
Garden City, NY 11530
(212) 471-5100
[email protected]
Adam J. Friedman is a managing partner of Friedman Vartolo LLP. He presently serves as the managing partner of the Garden City, Jersey City and Philadelphia offices. Adam manages the Bankruptcy, Financial, Mid-Atlantic Foreclosure and Technology departments of the firm.
Prior to founding Friedman Vartolo, Adam managed the Real Estate and Foreclosure divisions of Pulvers, Pulvers, Thompson & Friedman, LLP from 2010 to his departure.
Adam is admitted to practice law in Maryland, New York, New Jersey and Pennsylvania state courts as well as the United States District Courts in New Jersey and the Eastern, Southern, Western and Northern Districts of New York.
Eyal Leeder
Co-Founder, CRO
AskTuring.ai
2223 Avenida De La Playa UNIT 120
La Jolla, CA 92037
(858) 740-0442
[email protected]
Eyal Leeder is a seasoned operations and business development executive with over two decades of expertise in the default-servicing industry, specializing in AI-driven transformation and operational excellence. He has a proven track record of driving significant business impact through innovative technology solutions and strategic process optimization.
As a pioneer in AI applications for financial services, Eyal architected go-to-market strategies for cutting-edge document-intelligence platforms and holds a patent for a groundbreaking AI architecture. His leadership in process automation initiatives has consistently delivered measurable results, streamlining operations to enhance cash flow and drive performance improvements across organizations.
Eyal's career spans influential leadership positions at industry-leading firms including AskTuring.ai, Korde & Associates, Halliday, Watkins & Mann, The Mortgage Law Firm, and Homecomings Financial. His foundation in military service as an officer in the Israeli Defense Forces instilled the discipline, strategic thinking, teamwork, and talent development expertise that continues to define his approach to business challenges and leadership philosophy.
A recognized thought leader in AI advancement, Eyal regularly contributes insights through published articles and industry panel discussions, helping shape the conversation around technology's role in financial services transformation.
He earned his B.S. in Physics and Mathematics from Bar Ilan University in Israel and an MBA from San Diego State University, combining analytical rigor with business acumen. Fluent in Hebrew, Eyal brings a global perspective to his work.
Based in San Diego, California, Eyal balances his professional achievements with a rich family life alongside his wife and three sons. When not solving complex business challenges, he can be found exploring new destinations near and far, conquering escape rooms, or strategizing over board games—all while managing his ever-growing sock collection.
Breakout Session 4 – Compliance Change Management
Tuesday, July 22, 2025
Grand Sierra Ballroom AB
11:30 AM – 12:30 PM Pacific Time
Join us for a comprehensive discussion on the creation and implementation of servicer directives. Our expert panel will explore how servicer directives are formulated and the avenues available for firms to submit suggestions for improving process flow. We will cover best practices for law firms in implementing and training on new procedures, including software process revisions and integrations, and the implications for compliance and scorecards. Additionally, we will touch on the potential role of AI in facilitating more effective management of client directives. Gain valuable insights into optimizing servicer directives and enhancing operational efficiency in your practice.
Moderator:
Speakers:
Michael Rak, Esq.
Partner
Lender Legal PLLC
2807 Edgewater Drive
Orlando, FL 32804
386.848.3907
[email protected]
Michael Rak, Esq., is a Partner at Lender Legal PLLC who specializes in foreclosure litigation and various other real estate law matters.
Originally from DeLand, Florida, Michael attended the University of Florida, where he obtained a Bachelor’s Degree in Political Science. Michael then attended Florida State University College of Law, obtaining his Juris Doctor in 2008.
Michael began his legal career as a litigator with a firm in Maitland, Florida, specializing in foreclosure defense, consumer/debtor bankruptcy, debt negotiation, Fair Debt Collection Practices Act and Florida Consumer Collection Practices Act cases, and Social Security disability claims.
Michael joined Lender Legal PLLC, a creditor’s rights firm with a primary practice area of residential mortgage foreclosure, in August of 2013. He was promoted to managing attorney in 2016, and was made a partner in 2019. He is licensed to practice law in the states of Florida (2009) and Illinois (2022).
In his current role, Michael oversees teams of attorneys and paralegals in both Florida and Illinois. He provides guidance to financial institutions and investors on both a case-specific level and in an advisory role on regulatory/compliance issues. Michael develops firm policies and procedures related to every step of the foreclosure process, provides legal research and analysis on contested issues, first chairs trials with complex legal issues, and represents clients in appellate actions.
Michael was recognized as a 2022 Florida Rising Star by Super Lawyers, a rating service that is part of Thomson Reuters. Michael was appointed Secretary of the ALFN Amicus Briefs Committee in January of 2024, a position he holds to this day. When he’s not working, Michael can usually be found at Walt Disney World with his wife, Rosanne, and his two children, Siena and Lucca.
Beth Northrop-Day, Esq.
Vice President and Assistant General Counsel
U.S. Bank
500 W Cypress Creek Rd., Suite 460
Fort Lauderdale, FL 33309
612.248.0447
[email protected]
Beth Northrop-Day is a Vice President and Assistant General Counsel with U.S. Bank having joined the Bank in August 2014. Beth is lead attorney in the areas of Default Management Servicing Control and Default (Servicing) Operations, which includes but is not limited to Audit and Issues Management, SPOC & MAP, Loss Mitigation, Contested Foreclosure, Title issues, Probate, REO, Eviction, Property Preservation, Third Party Risk Management/Oversight, and Business Line Controls Management. In addition, she has experience in the management of highly contested litigation in the mortgage space and has worked closely with various entities regarding compliance with state and federal based laws, rules and regulations.
Beth has eliminated or reduced significant legal risks and exposure through getting in front of problem files, issues, etc. She understands the risks and is often able to resolve a dispute with outside the box thinking that leads to settlements. Beth focuses a significant amount of time on ensuring the Bank complies with all regulations, rules, federal agencies, etc. She develops and implements strategic positions to help her law firms and the Bank process defaulted loans properly and with the goal of helping the Bank's customers.
Beth participates in a variety of conferences and does not hesitate nor shy away from speaking at an event on default related issues or items. She has spoken at Legal League, ALFN conferences and WILLPOWER. Most recently, she spoke at a Bradley Arant industry summit where she shared her experiences and expertise in handling highly contested litigation and views on creatively handling and managing those matters.
Beth received the COSE award 6 months after joining the Bank in 2014. The COSE Award is the Circle of Service Excellence award given to those who not only exceeded expectations within a certain role or function, but went above and beyond their standard role to challenge the status quo, create new and innovative results and lead a project to its successful conclusion.
Beth participates in activities for St Jude's Childrens hospital, Feed my Starving Children and several Battered Women’s Clinics. She has also participated in clothing drives for battered women's shelters. She's spoken to and helped encourage and listen to women trapped in abusive relationships and shared her story to help encourage other to stand for themselves or to ask other to help them stand until they can stand on their own.
Laura Noyes, Esq.
Shareholder
Kass Shuler
1604 N Marion St
Tampa, Florida 33611
813-229-0900
[email protected]
Laura Noyes is a Shareholder at Kass Shuler where she leads the firm’s Foreclosure and Real Estate Litigation Department. She represents lenders, loan servicers, investors, and debt collectors in complex real estate litigation matters, with a focus on the consumer finance industry.
Laura is Board Certified in Real Estate Law by The Florida Bar. Board-certified lawyers have dedicated themselves to achieving a heightened level of excellence through character, professionalism, ethics, and credibility in the practice of law. Her certification reflects both a depth of knowledge and a commitment to excellence in real estate law.
Laura is licensed to practice law in the State of Florida and brings over 15 years of experience to her role. Since joining Kass Shuler in 2010, Laura has overseen the work of associates and staff in the foreclosure department, managed complex litigation portfolios, and developed legal strategies that ensure compliance and reduce client risk.
Laura earned her Juris Doctor in 2008 from the Florida State University College of Law. During law school, she served as a judicial intern for the Honorable Lewis M. Killian Jr. of the U.S. Bankruptcy Court for the Northern District of Florida and the Honorable Rosemary Gambardella of the U.S. Bankruptcy Court for the District of New Jersey. She obtained her Bachelor’s degree from Davidson College in 2005.
Laura is a frequent speaker at industry events and conferences, addressing topics such as foreclosure law, litigation trends, and regulatory developments. In 2021, she was recognized by the American Legal and Financial Network as one of the Junior Professionals and Executives Group’s “Stand-Out Young Professionals to Watch.”
Originally from New Jersey, Laura enjoys traveling with family and friends and spending time with her young son.
Michael Chisholm
Director of Client Relations
Friedman Vartolo, LLP
85 Broad St, #501
New York, NY 10004
(980) 3603-5634
[email protected]
Michael Chisholm currently serves as the Director of Client Relations at Friedman Vartolo LLP, a multi-state law firm focused on mortgage default legal services. In this role, he oversees firm performance and client compliance across six states, manage regulatory audits, lead business reviews, and serve as the primary liaison for investor and servicer clients. His legal expertise spans foreclosure law, mortgage servicing, and regulatory compliance. He holds a B.A. in Political Science and German Studies from the University of South Carolina.
Recognized for his strategic leadership and operational excellence, Michael brings nearly a decade of experience in organizational management. His top skills include regulatory compliance, team leadership, and advanced data analysis using Excel Power Query and SQL. Throughout his career, he has led large, cross-functional teams, optimized workflows for high-volume caseloads, and delivered impactful client strategies. Notable achievements include leading foreclosure operations through the challenges of the COVID-19 pandemic and playing a pivotal role in maintaining regulatory compliance across complex jurisdictions. He currently serve as Vice Chair of JPEG, where they help shape the organization's vision and direction.
Beyond his professional accomplishments, Michael is a committed advocate for civic engagement and community trust. During his time with the South Carolina State Election Commission, he supported fair and secure elections across 13 counties, conducting audits and training in partnership with federal agencies. He continues to champion integrity, equity, and public service through mentorship and policy work that promotes ethical leadership and community-centered outcomes.
Michael Messick
Director of Strategic Operations
O.L.A.F. Companies
811 Morrison Farm Rd Suite 200
Troutman, North Carolina 28166
(704) 880-2769
[email protected]
Mr. Messick has 10+ years of experience in the mortgage servicing arena. He joined OLAF as their Director of Strategic Operations from Shellpoint Mortgage Servicing Corporation (SMS) where he served as the Attorney Network Manager. Prior to SMS, he spent time at RoundPoint Mortgage Servicing Corporation (RPMS) in various Default management positions. From management of Operations, Quality Assurance (QA), FC/BK Timeline Oversight, Project Management, and Attorney Network, he brings a special perspective to the industry.
Additionally, Michael holds a Juris Doctoral (JD) degree from completing law school prior to his start in default, which provides an even more important view and grasp of legal issues at hand. In his downtime, Michael enjoys spending time with his wife and twins on the lake or a golf course.
Tricia Osgood
New Development Product Manager
CaseMax
13160 Foster Street, Suite 100
Overland Park, KS 66213
816-721-7543
[email protected]
Tricia joined the CaseMax team as Product Manager in February 2008. Her primary responsibility is to ensure that the application grows and continues to meet the needs of the law firms it supports. She works with the CaseMax staff in Business Analysis, Quality Assurance and Support to enable the teamwork that delivers continuous application development.
Tricia has over 35 years of experience in the definition and design of software applications with significant concentrations in business and system requirements, user interface design, and agile development.
Breakout Session 5 – Navigating the Insurance Crisis: The Impact of Rising Premiums, Cancellations, Climate Change, and Mortgage Payment Strain
Tuesday, July 22, 2025
Grand Sierra Ballroom CD
11:30 AM – 12:30 PM Pacific Time
In recent years, homeowners nationwide have faced the alarming trend of homeowner’s insurance policy cancellations and sharp premium increases, driven by rising natural disasters, higher claim rates, and evolving regulations. This session will delve into the key drivers behind these changes and their wide-reaching effects, including the financial pressures on homeowners that threaten their ability to keep up with mortgage payments and the potential for increased mortgage defaults. Featuring industry experts, the panel will analyze data on insurance cancellations and premium hikes, explore the growing financial burden on homeowners, and discuss strategies to mitigate these challenges, offering practical solutions to secure competitive rates and reduce risk exposure. Additionally, the discussion will cover the impact of climate change on property insurance and predictions for future lending and servicing. Attendees will gain a deeper understanding of the current state of the homeowner’s insurance market, its effects on mortgage payments, and actionable strategies for navigating these changes.
Moderator:
Speakers
Cathe Cole-Sherburn
Sr. Vice President of Operations
Trustee Corps
17100 Gillette Ave.
Irvine, CA 92614
949-252-8300 ext. 4317
[email protected]
Cathe Cole-Sherburn serves as Senior Vice President of Operations for Trustee Corps. She is responsible for managing all areas of operations, including ancillary companies, which include audit, compliance and strategic planning and development of all offices. Cathe brings over 35 years of all aspects of real estate mortgage default experience, including Servicing. Before joining Trustee Corps, Cathe was with the First American Trustee Servicing Solutions, where she was Senior Vice President. While there, her duties included the oversight and management of the Trustee Division. Prior to that, she was with the firm of Routh Crabtree Olsen/Northwest Trustee Services, where she was the Director of Operations and instrumental in setting up the AZ, CA, and HI offices and obtaining the Freddie Mac and Fannie Mae Counsel Designations. Prior to that, she was the Director of Operations for the Law Offices of Steven J. Melmet, Inc., for 14 years, and instrumental in obtaining in the Freddie Mac Designation and HUD Foreclosure Commissioner for state of CA. Cathe currently is a member of the Women in Legal Leadership for American Legal & Financial Network. She is also a member of Arizona Trustee Association, Mortgage Bankers Association, California Mortgage Bankers Association, National Association of Professional Women and Society of Corporate Compliance and Ethics. Cathe can be seen as a Moderator and/or Panelist at various industry conferences and provides seminars/training to our existing clients.
Kris Anderson
Partner/Owner
Trinity River Financial Insurance
121 Monument Circle, Suite 609
Indianapolis, IN 46204
812-887-0443
[email protected]
Kris Anderson is a Partner and Owner at Trinity River Financial Insurance, where he brings over two decades of experience in the insurance industry. Kris specializes in delivering tailored insurance solutions for lenders and real estate investors, ensuring comprehensive coverage and risk management.
At Trinity River Financial Insurance, Kris oversees a diverse portfolio of services including property insurance, flood insurance, force-placed insurance, and REO insurance. His expertise and dedication to client satisfaction have established him as a trusted advisor in the field.
Kris is committed to staying ahead of industry trends and continuously enhancing the agency's offerings to meet the evolving needs of his clients. His leadership and innovative approach have been instrumental in the growth and success of Trinity River Financial Insurance.
Outside of his professional endeavors, Kris is actively involved in community initiatives and enjoys spending time with his family. He holds a degree in Business Administration and is a certified insurance professional.
Ned Gaines
Acting Commissioner
Nevada Division of Insurance
1818 E. College Pkwy., Suite 103
Carson City, NV 89706
(775) 687-0783
[email protected]
Acting Commissioner Gaines has more than 25 years of experience in the insurance industry. He joined the Nevada Division of Insurance in April 2025 as the Chief Deputy Commissioner. Prior to this, he served 12 years with the Washington Office of Insurance Commissioner in a variety of leadership roles, most recently as the Deputy Commissioner of Rates, Forms & Provider Networks. Prior to that, he worked for several national Property & Casualty insurers as a compliance manager, claims manager, claims adjuster and agent.
Acting Commissioner Gaines earned a master’s degree in public policy from Liberty University (Lynchburg, VA) and a bachelor’s degree in business & management from Excelsior College (Albany, NY).
Acting Commissioner Gaines holds multiple insurance professional designations. He is an active member of the Insurance Regulatory Examiners Society and the Association of Insurance Compliance Professionals where he served as President of the Northwest Chapter.
Richard Lubliner, Esq.
Managing Member
Lubliner Law, PLLC
1645 Palm Beach Lakes Blvd.
West Palm Beach, FL 33401
(561) 207-2018
[email protected]
Richard Lubliner has earned a reputation in the legal community as a zealous “bull dog” that fights for his clients’ rights by providing them with diligent, creative, and dynamic representation both in the courtroom — and in the boardroom. Richard previously worked in the New York City office of one of the top law firms in the world, Chadbourne & Parke, now known as Norton Fulbright, where he worked on large, multi-billion dollar restructurings and litigation involving, among other entities, Enron, WorldCom, and Eddie Baur/Spiegel. Mr. Lubliner has been quoted in many newspapers including the New York Times, the Sun Sentinel, the Palm Beach Post, and the Daily Business Review.
As Managing Member of Lubliner Law, he brings over 20 years of experience representing both plaintiffs, and defendants, in state and federal courts throughout the country in litigation, and complex business transactions including, among other things, the sale/acquisition of gas stations, accounting firms, commercial real estate, offices of medical providers, and hotels.
Articles written by Mr. Lubliner have been published by national law periodicals, including the American Bankruptcy Institute. Richard also lectures on topics related to the financial services industry, Condos/HOAs, and the equine industry.
Richard is certified by the Florida Department of Business and Professional Regulation to provide Board certification classes, as well as property managers’ continuing education classes.
Richard Lubliner received his J.D. with Honors distinguished in the Top 11%, from Emory University School of Law, where he was both a published author and an Articles Editor for the Emory International Law Review. While in law school he was the recipient of the Nelson Mullins Riley & Scarborough, L.L.P. Scholarship.
Richard Strayer
EVP, Servicing Operations
PennyMac Loan Services
2201 West Plano Parkway
Plano, TX 75075
(817) 494-0310
[email protected]
Richard Strayer, CPA, has extensive work experience in the financial industry. Richard started their career as a Financial Analyst at Countrywide in 1994. Richard then moved to KPMG, where they worked as a Senior Auditor from 1997 to 2000. Richard then joined Countrywide Home Loans, serving in various roles including Assistant Vice President - Acquisitions, Vice President - Acquisitions, and First Vice President - Mortgage Subservicing from 2000 to 2006. Richard worked at Countrywide Financial as a Senior Vice President - Core Loan Servicing from 2007 to 2009. Richard then joined Bank of America as a Senior Vice President and worked there until 2014. Currently, Richard serves as the Executive Vice President of Operations at PennyMac Loan Services, LLC.
Richard Strayer, CPA attended California State University, Northridge from 1991 to 1997 and earned a Bachelor of Science in Business Administration and Accounting. Prior to that, they completed their high school education at Campbell Hall HS from 1984 to 1990. Richard holds the certification of Certified Public Accountant.
Steven Higgins-Prelle
Vice President
SlateRock Asset Management LLC
3033 South Parker Road, Suite 440
Aurora, CO 80014
720-476-7995
[email protected]
Steven brings valuable and well-rounded experience within the Mortgage and Servicing industry. He has done it all. His career began with over 15 years in mortgage origination, after which he moved on to Foreclosure, Bankruptcy, and Litigation on the Attorney Services side. Steven then made the jump to Servicing- running the Title and Litigation Department. While working in Servicing, he also attended Trials and Mediations, giving him a unique perspective on issues within our industry. Currently, Steven oversees mortgage servicing for a private investor portfolio of over 10,000 loans. He has previously been a moderator and panelist with the ALFN Answers Conference as well as a 2018 Recipient of the ALFN JPEG Picture the Future award.
Breakout Session 6 – Bankruptcy Insights & Developments
Tuesday, July 22, 2025
Alpine Ballroom B
11:30 AM – 12:30 PM Pacific Time
Join us for an in-depth panel session that covers the latest developments and future trends in bankruptcy. We will begin with a case update, followed by an overview of the impending bankruptcy rule changes set for late 2025. The session will also include a brief update on the Partial Claim / Payment Supplement and a discussion on the ramifications of In re Klemkowski for servicers.
Our panel will then explore the current status of bankruptcy mediation programs across the United States, examining what states are currently doing and whether these programs continue to receive funding. We will discuss the shift of many courts to online platforms for document exchange and mediation processes.
To conclude, the panel will analyze emerging trends and provide insights into what the future may hold for consumer bankruptcy. This session promises to offer valuable perspectives and practical strategies for navigating the evolving bankruptcy landscape.
Moderator:
Speakers:
Christopher A. DeNardo, Esq.
Vice Chair – Bankruptcy Practice Group
LOGS Legal Group, LLP
985 Old Eagle Road, Suite 514
Wayne, PA 19087
(610) 278-6800
[email protected]
Christopher A. DeNardo is Vice Chair of the Bankruptcy Practice Group for LOGS Legal Group, LLP. He is a member of the Montgomery and Pennsylvania Bar Associations and is admitted to practice law in Pennsylvania, New Jersey, and New York, as well as all Federal District Courts in Pennsylvania and New Jersey as well as the Third Circuit Court of Appeals. In addition, he is a licensed title agent.
Mr. DeNardo has been practicing law for over twenty years and has several years’ worth of valuable experience representing lenders in creditors’ rights and bankruptcy issues as well as foreclosures, evictions, and other real estate transactions. He also has experience in title curative issues such as quiet title actions, reacquisition of properties after tax sale, and drug seizures. Mr. DeNardo is a frequent lecturer to lenders and government officials regarding both foreclosure and bankruptcy practice in Pennsylvania, as well as foreclosure mediation. He is a past co-chair one of the lenders’ representatives sitting on the Philadelphia Foreclosure Steering Committee, which is responsible for the development of the Philadelphia Mortgage Foreclosure Diversion Pilot Program, the foreclosure mediation program that has garnered international attention and become the template for similar programs for Courts throughout the United States.
Keri P. Ebeck, Esq.
Partner
Bernstein-Burkley
707 Grant Street, Suite 2200 Gulf Tower
Pittsburgh, PA 15219
412.456.8112
[email protected]
Keri is a partner and co-manager in the Bankruptcy & Restructuring practice group of Bernstein-Burkley, P.C. in Pittsburgh, Pennsylvania. As a Partner, she handles commercial, consumer, and real estate bankruptcy matters, as well as she is the co-manager of the bankruptcy group. Keri is certified by the American Board of Certification in consumer bankruptcy. Keri is the past Chair of the Allegheny County Bar Association Bankruptcy and Commercial Law Section, which is responsible for studying bankruptcy and commercial law and informing its members of proposed changes to related legislation. Keri is immediate past Treasurer of the Allegheny County Bar Association and is also the immediate past Chair of the Finance and Investment Committees for the Allegheny County Bar Association.
A member of the American Legal & Financial Network (ALFN), Keri was awarded the 2022 American Legal Financial Network’s Industry Achievement Award and is a past ALFN 2017 JPEG: Picture the Future Award, which recognizes stand-out young professionals for their achievements and commitment to the mortgage servicing industry. She is the immediate chair of the ALFN’s Bankruptcy and a member of its Women in Legal Leadership Committees and is a member of Legal League 100.
Keri is also a member and the finance committee chair of the Judith K. Fitzgerald Western Pennsylvania Bankruptcy American Inn of Court and a member of the Turnaround Management Association. She is licensed in Pennsylvania and New Jersey and is admitted to practice before the U.S. District Court for the Eastern, Middle, and Western Districts of Pennsylvania; the U.S. District Court of New Jersey; the U.S. District Court for the Northern District of Ohio; the U.S. District Courts of Northern and Southern Districts of Indiana; the U.S. District Courts for the Eastern, Northern, Southern, and Western Districts of Texas; the Third Circuit Court of Appeals; and the U.S. Supreme Court.
Keri has spoken on bankruptcy and collection topics nationally at the ALFN Answers annual conference as well as ALFN’s Bankruptcy conference since 2013. Keri also speaks, plans sessions and moderates regularly for the Allegheny County Bar Association, NBI and Pennsylvania Bar Institute on bankruptcy, collections and repossessions. Keri has also presented several on site client seminars as well as hosted webinars for clients, prospective clients and industry representatives on bankruptcy and collections. Keri was recently recognized in the 2021, 2022 and 2023 edition of Pennsylvania Best Lawyers for Bankruptcy. Keri is a certified mediator and registered to handle mediations for the Western District of Pennsylvania District and Bankruptcy Courts.
Keri is an active volunteer with Make-A-Wish Foundation, Greater Pennsylvania and West Virginia Chapter. Keri is also a board member of the Trojan Education Foundation.
LeAnn Covey, Esq.
Senior Vice-President/Shareholder
Clunk, Hoose Co., LPA
495 Wolf Ledges Parkway
Akron, OH 44311
330-436-0300
[email protected]
LeAnn Covey is a Senior Vice-President and Shareholder at Clunk, Hoose Co., LPA. She currently heads the Bankruptcy and Collections departments and oversees policy and compliance at the firm. Ms. Covey started at Clunk, Hoose Co., LPA prior to law school and has been with the firm for over twenty years. She has focused solely on various aspects of Creditor’s rights. She is licensed to practice law in the state and federal courts of Ohio, Kentucky, and West Virginia. She is a member of the ALFN, MBA, NACTT, NCBA, ACA, and state bar associations. Ms. Covey has spoken on various foreclosure and bankruptcy topics locally in Ohio and has written articles for the Legal League Quarterly, DS News, and ALFN Angle. She received her Bachelor of Science in Education from the Pennsylvania State University. After a brief period of time teaching high school history, she obtained her Juris Doctorate from The University of Akron. She strives to be an active member of her community by volunteering at local events. She currently serves on the board of trustees for the local theater company, Stow Players, as its President and volunteers as a coach and judge for the National Speech and Debate Association through Stow-Munroe Falls High School.
Michael McCormick, Esq.
Senior Partner - Bankruptcy Department
McCalla Raymer Leibert Pierce, LLP
1544 Old Alabama Road
Roswell, GA 30076
(678) 281-3918
[email protected]
Michael McCormick, a Senior Partner with the Bankruptcy group, joined MRLP in 2004. Mike currently provides bankruptcy representation for mortgage lenders and servicers nationwide. He is a frequent speaker and author on various topics related to bankruptcy, including the handling of escrow accounts during a bankruptcy proceeding, and is a member of numerous local and national bankruptcy organizations.
Natalie Womack
SVP, Director of Consumer Lending & Default Servicing
Simmons Bank
601 E. 3rd St. 7th Floor
Little Rock, AR 72201
501-377-7489
[email protected]
Natalie Womack is the Senior Vice President of Consumer Lending, Servicing, & Default for Simmons Bank. She leads Simmons’ consumer loan origination process, consumer loan servicing, as well as the consumer default process across their six-state footprint which includes Arkansas, Missouri, Tennessee, Oklahoma, Texas and Kansas. In 2016, Natalie joined Simmons leading the consumer default servicing teams until expanding her oversight in 2018 to overseeing consumer servicing and loan origination teams. A proud alumna of the University of Arkansas, Natalie has more than 18 years of mortgage servicing experience, as well as 7 years of consumer loan origination experience.
Breakout Session 7 – Legal Ethics
Tuesday, July 22, 2025
Grand Sierra Ballroom AB
2:00 PM – 3:00 PM Pacific Time
Join us for a comprehensive presentation on legal ethics, covering critical topics that impact today's legal practice. Our expert panel will delve into:
This session will provide valuable insights and practical strategies for navigating these ethical challenges, ensuring you uphold the highest standards in your legal practice.
Moderator:
Speakers:
Christopher J. Picard, Esq.
Principal
Neubert, Pepe & Monteith, P.C.
195 Church Street, 13th Floor
New Haven, CT 06510
203.821.2000
[email protected]
Christopher J. Picard’s practice for the last 20 years has centered on handling creditor’s rights issues and real estate litigation in state, federal and bankruptcy courts inclusive of handling appellate matters. Chris will continue practicing in these areas and is expanding his practice to include commercial litigation. His clients have included national banks and servicers along with local lenders. Recently, Chris obtained two appellate decisions in favor of lenders; one involving the impact of divorce proceedings on a residential mortgage foreclosure and the other concerning to challenge the legal sufficiency of a special defense by way of summary judgment.
Chris began practicing law in 2000 after serving in the United States Navy as a Diver from 1987 to 1993. During his time on active duty, Chris participated in various salvage and recovery operations. After completion of his active duty, Chris attended Boston College where he served as President of the Boston College Men’s Rugby Team. While studying at the University of Dayton School of Law, Chris was a member of the Moot Court team winning the National Environmental Moot Court competition at Salmon P. Chase School of Law earning team honors for best brief and individual honors as Best Oralist.
Outside of practicing law, Chris is an active rugby referee and a Qualified Judicial Officer with World Rugby. Additionally, Chris enjoys spending time with his family inclusive of attending his children’s ice hockey games.
Jill Jenkins, Esq.
Managing Shareholder
KML Law Group, P.C.
701 Market Street, Suite 5000
Philadelphia, PA 19106
267-394-0625
[email protected]
Jill Jenkins serves as Managing Shareholder of Pennsylvania Operations at KML Law Group, P.C. a leader in the mortgage default servicing industry handling a broad array of creditors’ rights representation and loan resolution in Pennsylvania and New Jersey since 1981. She holds a Bachelor’s Degree from Penn State University, and a J.D. from The Delaware Law School of Widener University. Jill is licensed to practice law in Pennsylvania and New Jersey.
Before re-joining KML as a shareholder in 2024, Jill spent several years working for the largest residential mortgage subservicer in the country, as a Business Development Director responsible for negotiating the contracts of large mortgage companies and credit unions across the United States.
Prior to that, Jill was an integral part of the KML team for close to a decade, first handling secured creditor’s rights litigation, home retention, conciliations, and Sheriff’s sales which landed her on ALFN’s “Picture the Future” List in 2014. Jill then took on the role of Managing Attorney, overseeing Pennsylvania Foreclosure operations for several years. She spent a considerable amount of time working as a member of the Mortgage Foreclosure Steering Committee of Philadelphia, and the Philadelphia Bar Association where she held a variety of positions, including President and Chair of the Real Property Section in 2018.
Over the past year, Jill has taken an active role in reshaping and improving KML’s already sound operations and has furthered the firm’s mission to provide sound and compliant legal representation while maintaining a high level of respect and consideration for everyone with which we interact.
In her spare time, Jill enjoys spending time with her husband, Pete, and 2 children, Will and Maddy, traveling, and cheering for her beloved Nittany Lions, Eagles and Phillies.
Mark D. Cronenwett, Esq.
Director of Litigation
Mackie Wolf Zientz & Mann, PC
14160 North Dallas Pkwy, Suite 900
Dallas, Texas 75254-4319
214-635-2670
[email protected]
Mark D. Cronenwett joined the firm in October 2012 and serves as the Managing Attorney of the firm’s Litigation Section. Mark has 15 years of experience in mortgage-lending litigation; general commercial litigation; general insurance defense and appellate law. Prior to joining the firm, Mark was a Shareholder at Cowels & Thompson, P.C. and Higier Allen & Lautin, P.C. Mark is admitted to the Texas State Bar, Fifth Circuit, and all Texas Federal District Courts.
EDUCATION
J.D., Catholic University of America (1993)
B.A. English, University of Dallas (1990)
AFFILIATIONS AND AWARDS
¨ Member, State Bar of Texas (Consumer Law and Civil Appellate Sections)
¨ Member Dallas Bar Association
¨ Member Federal Bar Association
¨ Immediate Past President, St. Thomas More Society
¨ Pro Bono Counsel to White Rose Women’s Center
¨ Recognized, Texas Rising Star, Law & Politics, 2006 and 2005
ARTICLES
"Loss Mitigation Measure Upheld by Texas Supreme Court"
- Mark Cronenwett, Director of Litigation - June 3, 2014
Michelle Garcia Gilbert, Esq.
Managing Partner- Florida
Rubin Lublin, LLC
2313 West Violet Street
Tampa, Florida 33603
Direct: (813) 656-8803
[email protected]
Michelle Gilbert is admitted to the Florida Bar (1986), Washington, D.C. Bar (2020), Middle District of Florida (1988), Northern District of Florida (2005), Southern District of Florida (2006), U.S. Supreme Court (2000), and U.S. Court of Appeals for the Eleventh Circuit (2003). She matriculated at the University of South Florida (B.A., 1982, cum laude), and the University of Notre Dame Law School (J.D., 1985). She is a member of the following associations: Greater Tampa Association of Realtors; Bay Area Real Estate Council, Inc., Board of Directors; Hillsborough County Bar Association (Technology Committee; Real Property, Probate and Trust Law; Solo and Small Firm; and Veteran Sections); Florida Bar (Standing Committee on Technology; Real Property, Probate and Trust Law; Business; and Solo and Small Firm Sections- Executive Council); American Legal and Financial Network (WILLed co-editor); REOMAC/National Association of Default Professionals, Educational Council; and is a title agent for The Fund and Westcor. Michelle is a frequent speaker and author on various default industry topics.
Michelle places great value on serving her community. She volunteers with her parish, St. Lawrence Catholic Church and School, is on the advisory board of St Peter Claver Catholic School, an historically African American elementary school in Tampa, and assists various groups supporting children, animals, veterans and affordable legal services initiatives.
Stephen Hladik, Esq.
Partner
Hladik, Onorato & Federman, LLP
298 Wissahickon Avenue
North Wales, PA 19454
267-662-9022
[email protected]
Stephen M. Hladik, Esquire, is a principal in Hladik, Onorato & Federman, LLP. Formerly a Deputy Attorney General in charge of the Harrisburg office of the Pennsylvania Bureau of Consumer Protection, Steve brings a broad range of experience to his mortgage foreclosure, bankruptcy, tax sale and UDAAP legal practice. A graduate of the Pennsylvania State University, Steve’s interest in history and politics grew into a desire to study law while taking a constitutional law class, among others, as an undergraduate. Steve pursued and obtained his law degree from Widener University, with honors, where he was named Internal Managing Editor of the Law Review.
An Eagle Scout and New Jersey native, Steve gained significant expertise in lending law enforcement in the Pennsylvania Attorney General’s Bureau of Consumer Protection, handling UDAP, FDCPA, RESPA and TILA cases. Prior to joining Hladik, Onorato & Federman, LLP, Steve was the Pennsylvania managing attorney for one of the nation’s largest creditor’s rights firms, practicing mortgage foreclosure and bankruptcy law.
Steve routinely teaches Continuing Legal Education courses on mortgage law, bankruptcy law, title law, real estate tax sale law, FDCPA and CFPB regulations, and related lending law compliance issues. Steve also serves the mortgage servicing industry as the Vice Chairman of the Advisory Council of the Legal League 100 and having previously chaired the Government Affairs Committee of the Legal League 100. Steve also actively participates on various committees of the ALFN.
In addition to his legal practice, Steve was elected to three terms as a School Director on the North Penn School Board, and served as Chairman of the Finance Committee, where he oversaw implementation of a $225 million budget. Prior to service on the School Board, Steve was a member of the Towamencin Township Planning Commission for six years. Steve also served as the Vice President of the AKL Education Foundation and is currently the Vice President of the National Executive Council of Alpha Kappa Lambda Fraternity.
Steve is admitted to practice before the Supreme Courts of Pennsylvania, New Jersey, and New Mexico, the U.S. Court of Appeals for the Third Circuit and the U.S. District Courts for the Eastern, Middle and Western Districts of Pennsylvania, New Jersey, New Mexico, and Puerto Rico. He is a member of the Montgomery County, Pennsylvania, New Jersey, Federal and American Bar Associations. Steve also served two terms as the Co-Chair of the Business, Banking and Corporate Counsel Committee of the Montgomery County Bar Association.
Vincent J. Averaimo, Esq.
Partner
Barton Gilman, LLP
250 Broad Street
Milford, CT 06460
203-874-6773
[email protected]
For over 15 years, Vincent Averaimo has engaged in judicial foreclosures, complex foreclosure litigation, general civil litigation, probate litigation, title litigation, title curative, REO transactions and eviction litigation on behalf of numerous banks, financial institutions, non-bank servicers and investors.
Vinny has built a reputation as an aggressive, compassionate attorney who prides himself on high ethical standards. He has written a number of white papers relating to changes in Connecticut foreclosure laws and has presented many seminars to clients pertaining to the Fair Debt Collection Practices Act and the basics of Connecticut foreclosures. Vinny has been an adjunct professor at the University of New Haven in New Haven, Connecticut teaching graduate level courses in business law. He currently teaches classes in The Basics of Connecticut Foreclosures, Ethics and Real Estate transactions for the Dare’s Institute.
Vinny is especially proud of the New Haven Business Times “Forty Under 40” Award in
recognition of his professional achievement and community involvement and the “Helping Milford Grow” Award for professional and community contributions to the City of Milford. Vinny is also a contributor to many publications including realtor.com and Forbes magazine and has appeared on WTNH Channel 8 News where he spoke about protecting a consumer in a real estate transaction.
Vinny received his J.D. from Quinnipiac School of Law and his B.A. from Hofstra University.
In his spare time, Vinny is an avid tennis player competing in USTA sanctioned matches and
tournaments and cherishes his time with his wife and two daughters.
Breakout Session 8 – In-House vs. Outsourcing: What’s the Right Move?
Tuesday, July 22, 2025
Grand Sierra Ballroom CD
2:00 PM – 3:00 PM Pacific Time
The decision to keep operations in-house versus outsourcing is a critical and ongoing debate in mortgage servicing and legal operations. This session will dive into the strategic decision-making process behind outsourcing, discussing the benefits, risks, and long-term impact on efficiency, cost, and compliance. While offshore and nearshore support are widely discussed, this panel will take a broader approach—examining outsourcing in technology, legal processes, consulting, and operational support within mortgage servicing.
Topics we’ll explore include:
Moderator:
Speakers:
Michael Zevitz, Esq.
Shareholder & Managing Attorney
Southlaw, PC
13160 Foster, Suite 100
Overland Park, KS 66213
(913) 620-0212
[email protected]
Mike joined the firm in July 1993 and is a Shareholder and Managing Attorney for the Judicial Foreclosure Department in the corporate office located in Overland Park, Kansas. He is currently admitted to practice law in Missouri and Kansas. He obtained his B.A. in Economics from the University of Kansas in 1987. He obtained his law degree from Creighton University, Omaha, Nebraska in 1990.
Mike has concentrated his practice of law in the areas of real estate finance and mortgage foreclosure since 1993. He is a noted speaker at various industry conferences and an author in regional and national publications. Mike was recognized as a "Best Lawyer in Kansas City" for Mortgage Banking Foreclosure Law in Ingram's magazine in 2010-2012.
Jenny Lee
Senior Consultant
LegalFee Consultants
1902 Wright Pl
Carlsbad, CA 92008
(503) 464-6794
[email protected]
With over 20 years of experience in mortgage servicing, Jenny Lee is a seasoned professional who brings deep industry insight and strategic expertise to her role as Senior Consultant at LegalFee Consultants. Since joining the firm in January 2025, Jenny has been instrumental in strengthening client relationships and elevating service delivery—particularly in the areas of foreclosure litigation and asset management.
Jenny began her career in 2005 and quickly emerged as a standout in the field, recognized for her ability to navigate the complexities of mortgage servicing with precision. Her roles at Gregory Funding, LLC—as a Foreclosure Team Lead and previously as a Litigation Analyst—equipped her with hands-on experience managing legal processes, analyzing cases, and supporting courtroom procedures. These roles honed her analytical strengths and her skill in safeguarding client assets through informed legal strategy.
At LegalFee Consultants, Jenny continues to be a driving force in guiding law firms through the complexities of foreclosure litigation. She combines technical knowledge with a strategic lens, ensuring clients not only address immediate legal hurdles but also strengthen long-term financial and operational outcomes.
Meredith McCrory-Laws
Enterprise Alliance Executive
a360inc
102 9th Street, Suite 200
San Antonio, TX 78215
(401) 269-9163
[email protected]
Meredith McCrory-Laws is a seasoned advisor with nearly 30 years of experience in the housing and mortgage servicing industry. After starting her career in mortgage origination, she has spent the past 20 years working across the default legal, title, financial, and technology sectors. At a360inc, she supports enterprise strategy, market positioning, brand development, and industry engagement through conference participation and relationship management. Meredith brings a strong focus on strategic growth and cross-sector collaboration, having worked with nationwide law firms, title companies, and a broad range of service providers across the housing ecosystem.
Neeraj Mendiratta
President
KnovaOne, and ARMGuard Solutions
9154 Delemar Ct.
Wellington, FL 33414
804-971-7462
[email protected]
Neeraj has extensive experience in managing multiple businesses. He is a serial entrepreneur with multiple startups that are serving Collections and Default industry with more than 20 years of experience. He has excellent knowledge of the industry and regulatory environment, and strong relationships with the industry players.
He established Mendiratta Consulting Company (KnovaOne) in 2012 with the aim of helping players in the Collections and Mortgage industry to improve their processes and performance, provide visibility into their operations, and provide support for mundane and repetitive tasks. As part of his consulting, he also setup a back office in Pune, India. The consulting is supported by an IT company (ARMGuard Solutions).
Before starting his own businesses, Neeraj was head of Default for Ocwen. Neeraj briefly served as the head of Attorney Network at NCO Financial. Prior to this, he donned several hats at Capital One managing analytics, first-party and third-party agencies, and the legal collections network.
Neeraj is a member of several professional organizations in Collections and Default industry, and actively participates in NCBA, RMAi, ALFN, USFN, MBA, FiveStar and CLLA.
To learn more about KnovaOne and ARMGuard, and how they can be a cost-effective solution for your business model, please connect with Neeraj.
Rudy Casanova
President & CRO
Global Strategic
508 S Lexington Avenue
Burlington, NC 27215
(214) 914-6171
[email protected]
Rudy Casanova graduated from St. Mary’s University in 1992 and holds a Bachelor of Business Administration in Finance. Mr. Casanova has worked in the mortgage servicing, default services, and real estate industry for 30+ years working in various Executive Management positions for the following institutions: US Real Estate Services, First American, PHH Mortgage, Countrywide and Fannie Mae to name a few. In 2002, Mr. Casanova co-founded RainMaker Solutions, a marketing and consulting company that provides services to the mortgage servicing, legal default, and real estate industry executives. Mr. Casanova held the position of Director of Global Sales before becoming President and Chief Revenue Officer and is a managing partner for Global Strategic Business Process Solutions Inc, an international business process outsource company with eight offices across three countries.
Breakout Session 9 – Mastering Leadership: Daily Routines and Productivity Strategies
Tuesday, July 22, 2025
Alpine Ballroom B
2:00 PM – 3:00 PM Pacific Time
Discover the secrets behind effective leadership through the lens of daily routines and productivity strategies. This session will delve into how successful leaders organize their day, schedule tasks, and handle emails to maximize efficiency and achieve their goals. Learn practical tips for personal productivity, including time management techniques, prioritization methods, and tools for staying on top of your responsibilities. Gain insights into the habits and practices that enable leaders to navigate their busy schedules with ease and maintain a high level of performance. Join us to enhance your own leadership skills and optimize your daily workflow.
Moderator:
Speakers:
Erica Fujimoto
Director of Enterprise Consulting
Affinity Consulting Group
Frisco, Texas
Direct: 727-202-3185
Cell: 727-479-6919
[email protected]
Erica Fujimoto is a change leader at the forefront of transformation in the legal industry. With over 25 years of experience spanning mortgage servicing, legal operations, and technology consulting, she helps law firms and corporate legal departments reimagine how they work, from business strategy to software implementation. Erica currently leads Affinity Consulting’s Enterprise Consulting team, where she focuses on enterprise management, process improvement, and legal technology—including the responsible use of AI. A recognized voice on emerging trends, she has been speaking on AI in legal since it became the industry's hottest topic.
Before stepping into her current role, Erica built and led Affinity’s Default Services team, developing implementation programs for CaseAware® and helping firms navigate the complex world of default legal operations. She began her career at a mortgage servicing foreclosure and bankruptcy analyst, moved into paralegal work, and quickly advanced into leadership roles focused on legal operations and technology transformation.
Erica is known for helping teams make complex change feel manageable, whether through enterprise rollouts, strategic consulting engagements, or mentoring future leaders. Her leadership is grounded in clarity, creativity, and a practical approach to innovation. She’s also an ALFN JPEG “Picture the Future” award winner and a USFN Associate Member of the Year. Erica brings heart, humor, and a forward-thinking mindset to everything she does, and she’s passionate about helping professionals thrive in an industry that’s always evolving.
Marco Brenes
Executive Vice President, Sales Manager of Default Services
ServiceLink
1355 Cherrington Parkway
Moon Township, PA 15108
(949) 307-2831
[email protected]
Marco Brenes is the Executive Vice President, Sales Manager of Default Services at ServiceLink, an end-to-end origination and default solutions provider. With over 25 years of experience in the real estate mortgage and banking industry, Marco has a proven track record in leadership, sales, marketing, and business strategy.
Before joining ServiceLink, Marco spent 18 years at Lenders Processing Services Inc. (LPS), where he served as Senior Vice President of National Sales. In this role, he was responsible for national account development and market share growth, managing divisions that included property preservation, valuations, technology, title services, escrow, and asset management.
At ServiceLink, Marco's extensive industry knowledge and strategic vision have been instrumental in enhancing and expanding the company's default and servicing solutions. His commitment to integrating all components of the business ensures that ServiceLink delivers the highest value to lenders, servicers, and investors.
Marco is dedicated to driving innovation and excellence within the company, leveraging his deep product knowledge and industry experience to achieve ServiceLink's objectives. Outside of his professional life, Marco is passionate about community involvement and enjoys spending time with his family.
Marni Sachs, Esq.
Managing Attorney, Partner
Robertson, Anschutz, Schneid, Crane & Partners, PLLC
6409 Congress Ave, Suite 100
Boca Raton, FL 33487
561-613-6945
[email protected]
Marni Sachs graduated cum laude from the University of Florida with a bachelor's degree in English in 2007. Following her undergraduate studies, Marni pursued her legal education at Nova Southeastern University Shepard Broad Law Center, where she earned her law degree in 2010. During her time in law school, Marni was actively involved in various student organizations, serving as a representative for the Student Bar Association and as treasurer of the Phi Alpha Delta legal fraternity. She was also a Florida Bar Foundation Public Service Mediation fellow. Marni is admitted to the Florida Bar and the U.S. District Courts for the Southern, Northern, and Middle Districts of Florida. She joined RAS in 2012 and was thereafter named a Partner. During her tenure at RAS, Marni has managed nearly every post-suit division, most notably the Reverse Mortgage Silo and Sales Departments. Currently, she serves as a Managing Attorney at its Florida office.
Michael Merritt
SVP, Customer Care & Mortgage Default Servicing
BOK Financial
Granite Plaza 7301 State HWY 161 Suite 305
Irving, TX 75039
469-646-9501
[email protected]
Michael manages the mortgage servicing contact centers and default servicing areas at BOK Financial including the Customer Service, Collections, and Loss Mitigation contact centers, the Loss Mitigation processing, Foreclosure, Bankruptcy, Claims, Post-Sale and Loss Analysis teams. Prior to joining BOK Financial, he oversaw mortgage sub-servicers at Goldman Sachs and led in a variety of areas at Mr. Cooper Mortgage primarily in Customer Care, Loss Mitigation, and First Line of Defense.
Michael holds a Master of Legal Studies in Risk Management from Texas A&M School of Law, an MBA from Texas Tech University and a bachelors degree in Organizational Leadership from Arizona State University.
Sally Garrison, Esq.
CEO
The Mortgage Law Firm, PLLC
421 NW 13th Street, Suite 300
Oklahoma City, OK 73103
405-246-0602
[email protected]
Sally E. Garrison received a B.A. in Economics, Environmental Science, and Political Science, from Claremont McKenna College in 1995. She received her J.D. from the University of Oklahoma, College of Law, in 2000. During her studies at the University of Oklahoma (OU), she also attended the Oxford Summer Program at Queen’s College, focusing on the European Union and Intellectual Property.
Before beginning her work in real estate litigation, Sally taught as an adjunct professor at the University of Oklahoma, College of Law, in the areas of Intellectual Property, Copyright, Contracts, and Law in Cyberspace. She assisted in the research and editing of Copyright in a Global Information Economy, ISBN 0-7355-2430-0; Toward an International Fair Use Doctrine, Columbia Journal of Transnational Law, 2000, Volume 39, No. 1; and Givers, Takers and Other Kinds of Users: A Fair Use Doctrine for Cyberspace, Florida Law Review, January 2001, Volume 53, No. 1.
From 2001 to 2008, Sally worked as in-house counsel for OU, representing various departments and organizations including Student Affairs, OU Police Department, Sam Nobel Museum, Alumni Affairs, Development, Housing and Food Services, and the University Outreach, among numerous others.
She is currently the managing member of The Mortgage Law Firm, PLLC, in Oklahoma, and is licensed in Oklahoma, Texas, Arizona, and Hawaii. Her work includes motion practice, non-jury and jury trial work, and appellate practice. She is also the Firm’s Client Relations and Marketing Liaison, working closely with clients to ensure excellent service and communication.
In addition to firm work, she has consulted with local law firms to provide system efficiency and managerial advice. She is a graduate of the Stagen Leadership Academy Integral Leadership Program, and was awarded Black Belt recognition for her work in communication, influence, and motivation. She was a finalist for the Women in Housing 2019 Keystone Award for Cultural Leadership. She won the USFN’s Member of the Year Award in 2020, along with being named one of OKC’s Top Attorneys by 405 Magazine in the area of real estate. She currently serves on the Board of Directors for the USFN.
Ted Manley, Esq.
Principal
MDK
1555 Lake Shore Drive
Columbus, OH 43204
(614) 226-5611
[email protected]
Theodore Manley, Co-Founder and Chief Executive Officer of MDK and its affiliated companies, is instrumental in shaping the firm's strategic direction. Ted's leadership has been pivotal in expanding MDK's services and geographic reach to cater to client needs in a dynamic market environment. Ted believes, “success is not measured just by the solutions we create for our clients but also by the careers we grow and the lives we touch. MDK has always been more than just a law firm; we are a community of professionals that continues to grow closer, more connected and better at what we do.”
As CEO, Ted oversees the firm's strategies with a keen focus on industry trends and the advancement of cutting-edge legal technology. Ted's daily responsibilities encompass a wide array of team meetings spanning legal and compliance, finance and accounting, human resources, information technology, and relationship management. Ted credits MDK’s staff- their tenacity, innovative spirit and excellent legal work- as the driving force behind the firm’s achievements.
Looking ahead, Ted is dedicated to improving MDK's operations by integrating successful practices from diverse industries. His vision includes empowering employees through an agile framework, offering them more autonomy and opportunities for professional growth. By adopting proven strategies from other sectors, Ted aims to innovate the way MDK operates. He also draws inspiration from successful business figures, clients, and prospective clients to drive continuous learning and improvement within the organization.
In response to the changing legal landscape, Ted underscores the importance of allocating resources to expand MDK's services beyond its traditional areas of practice. Leveraging technology and top-tier professionals, he aims to provide legal assistance to a broad range of industries, particularly those lacking adequate support in commodity legal services. Ted advocates for channeling the firm's energy towards growth in new areas, utilizing the expertise of MDK's skilled attorneys who excel in their respective fields. As a mentor and leader, Ted places great emphasis on nurturing the next generation of legal professionals and values collaboration as a key driver of success at MDK.
Beyond his professional commitments, Ted enjoys traveling with his family, biking, and spending time with his two standard poodles, Bowie and Suki, who serve as MDK's office dogs. He actively participates in the Wellington Initiative, a program with the Wellington School that uses technological metrics to measure student engagement.
General Session 4 - The Housing Economy, Foreclosure Market Updates & Trends to Watch
Tuesday, July 22, 2025
Grand Sierra Ballroom
3:15 PM – 4:30 PM Pacific Time
A panel of high-profile economists and industry executives will offer insights on the state of the U.S. economy and trends to watch in the housing market. The panel will especially focus on the default servicing market, with information on mortgage delinquencies; how housing market dynamics will impact the distressed housing market; what to expect in terms of defaults and foreclosures; and disposition strategies for properties in the foreclosure process.
Moderator:
Speakers:
Rick Sharga
Founder & CEO
CJ Patrick Company
54 Gingham St
Trabuco Canyon, CA 92679
949.322.4583
[email protected]
Rick is the Founder & CEO of CJ Patrick Company, a market intelligence and advisory firm for companies in the real estate and mortgage industries.
One of the country’s most frequently-quoted sources on real estate, mortgage and foreclosure trends, Rick has appeared on CNBC, CBS News, NBC News, CNN, ABC News, FOX, Bloomberg and NPR. Rick is a founding member of the Five Star National Mortgage Servicing Association, on the Board of Directors of the National Association of Default Professionals, and was twice named to the Inman News Inman 100, an annual list of the most influential real estate leaders.
Rick has over 20 years of experience in the real estate and mortgage industries, including roles as the EVP/Market Intelligence at ATTOM Data, EVP for Carrington Mortgage Holdings, EVP at RealtyTrac, and as the Chief Marketing Officer of Ten-X and Auction.com, the leading online real estate marketplace.
Daren Blomquist
Vice President of Market Economics
Auction.com
1 Venture, Suite 300
Irvine, CA 92618
949-502-8310
[email protected]
Daren Blomquist is vice president of market economics at Auction.com. In this role, Blomquist analyzes and forecasts complex macro and microeconomic data trends within the marketplace and industry to provide value to both buyers and sellers using the Auction.com platform.
Daren’s reports and analysis have been cited by thousands of media outlets — including all the major news networks and leading publications such as The Wall Street Journal, The New York Times and USA TODAY. Daren has been quoted in hundreds of publications and has appeared on many national network broadcasts, including CBS, ABC, CNN, CNBC, FOX Business and Bloomberg.
Joel Kan
Vice President, Deputy Chief Economist
Mortgage Bankers Association (MBA)
1919 M Street, NW, 5th Floor
Washington, DC 20036
[email protected]
Joel Kan serves as Vice President, Deputy Chief Economist for the Mortgage Bankers Association. In this role, he is responsible for MBA's macroeconomic and housing market forecasts and oversees the production of MBA's industry surveys, including the Weekly Mortgage Applications Survey, Builder Applications Survey, and Mortgage Credit Availability Index - three of the association's high-profile surveys. Mr. Kan presents regularly on the economy and housing market at MBA and industry events, and is interviewed and quoted frequently in national, local and industry media outlets.
Prior to joining the MBA, he worked in Ernst & Young's Quantitative Economics and Statistics (QUEST) group. He holds a B.Sc. in Economics and Statistics from the University of Michigan, Ann Arbor.
Nolan Turner
Managing Director
Carrington
15 Park Ave, 10B
New York, NY 10016
646-709-7611
[email protected]
Nolan Turner is the Managing Director of Carrington Mortgage Holdings where he leads the firm's strategic initiatives, institutional business outreach, growth and revenue objectives, and industry / government partnerships across Carrington's continuum of companies.
Nolan has touched a plethora of business and finance operations throughout his career with a special emphasis on Mortgage Lending (Wholesale, Retail and Correspondent), Mortgage Servicing, and Default Management (REO disposition, Property Preservation, Title & Settlement Services). Nolan has hands on experience in Capital Markets, RMBS Securitization, and both the buy and sell side of whole loan trading, Non-Performing / Re-Performing Loans, and Mortgage Servicing Rights. Prior to joining Carrington in 2010, Nolan held executive leadership roles within the Investment Bank at Wachovia / Wells Fargo, Wholesale Mortgage Operations at World Savings, and Real Estate Development Operations for East-West Partners.
Nolan graduated with honors from the University of Nevada and holds undergraduate degrees in international business and psychology and was a PhD Candidate in behavioral science (cognitive psychology). Nolan has also completed extensive MBA coursework in International Business at IE Business School in Madrid, Spain and Quantitative Analytics at the University of Chicago Booth School of Business. Nolan has served on countless committees and boards within academia and the mortgage industry and is a graduate of the Mortgage Bankers Association (MBA) Certified Mortgage Banker (CMB) Program, MBA Future Leaders Program, and is a Housing Wire Rising Star award winner. Nolan is a board member of the Texas Mortgage Bankers Association and the current Chairman of the Texas MBA Mortgage Servicing Committee. In his spare time, Nolan enjoys a host of outdoor activities (hiking, mountain climbing, fishing, snowboarding / skiing, golf) and has traveled widely, visiting more than 91 countries. Nolan was born and raised in the Reno / Lake Tahoe area and currently resides in Southlake, TX.
Selma Hepp, PhD
Chief Economist and Senior Vice President
Office of the Chief Economist
Cotality
40 Pacifica #900
Irvine, CA 92618
(571) 369-1413
[email protected]
Selma Hepp holds the title of Senior Vice President and Chief Economist for Cotality, formerly CoreLogic. In this role, she leads the Economics team and is responsible for analyzing, interpreting and forecasting economic trends in real estate, mortgage and insurance.
Prior to joining CoreLogic in 2020, Selma was Chief Economist and Vice President of Business Intelligence for Pacific Union International, later acquired by Compass, where she oversaw the vital economic and technology intelligence to drive the expanding brokerage’s success. She also held the role of Chief Economist for Trulia; Senior Economist for the California Association of Realtors; and Economist and Manager for Public Policy and Homeownership research for the National Association of Realtors, as well as a special research assistant at the U.S. Department of Housing and Urban Development.
Selma frequently appears on local and national radio and television programs and has been widely quoted in The Wall Street Journal, New York Times and many industry trade publications such as National Mortgage News and HousingWire. Selma received the HousingWire Women of Influence Award in 2022.
She earned her M.A. in economics from the State University of New York, Buffalo and a Ph.D. from the University of Maryland.
Monday, July 21, 2025
Grand Sierra Ballroom
9:00 AM – 10:00 AM Pacific Time
This session will be based on the book Multipliers, by Liz Weisman, that does a deep dive into the two fundamental types of managers - multipliers and diminishers. Multipliers exhibit management qualities that allow them to unlock the potential of their employees and mold them into independent, successful individuals, whereas diminishers get overly involved, kill the energy in the room, and do not allow their employees to grow.
All of us are multipliers or diminishers at any given point in time (some fall more on one end of the spectrum or the other), and this panel will explore the traits of each of these types of individuals, discuss real world examples of how the panelists have embodied these personas (good and bad), and ways all of us can improve our management styles to become better multipliers and less as diminishers.
Moderator:
- Blake Strautins, Esq., Managing Partner, Managing Partner of Litigation, Kluever Law Group, LLC - [email protected]
Speakers:
- Alicia Dux, AVP of Agency Foreclosure, Bankruptcy & Loss Mitigation, BSI Financial Services - [email protected]
- Annalise Hayes DeLuca, Esq., Partner, McMichael Taylor Gray, LLC - [email protected]
- Jim Timberlake, Esq., President, Baer Timberlake - [email protected]
- Marcy Ford, Esq., Managing Partner, Trott Law, P.C. - [email protected]
Blake A. Strautins, Esq.
Managing Partner
Kluever Law Group, LLC
200 N. LaSalle Street, Suite 1880
Chicago, IL 60601
(312) 909-3929
[email protected]
Blake A. Strautins is a co-owner and managing partner of Kluever Law Group, LLC, where he heads the firm’s litigation department. Blake attended Boston University, where he received a bachelor’s degree in political science in 2004, and he then earned his juris doctor from DePaul University College of Law in 2007. Blake was admitted to the bar in Illinois that same year.
Blake has been practicing in the field of complex litigation his entire legal career, with a focus on creditor’s rights litigation and mortgage foreclosure litigation and appeals in Illinois since 2014. His significant experience includes litigating cases concerning the FDCPA, TILA, and complex mortgage foreclosure litigation issues. Over the last few years, he personally handled and won several appeals in Illinois that created new law favorable to the mortgage foreclosure plaintiffs’ bar. Blake takes great pride in charting the firm’s path forward into continued growth and success in partnership with its diverse client base.
He is a volunteer member of the Chicago Bar Association’s Judicial Evaluation Committee, where he helps evaluate judicial candidates for the bench. He also consistently volunteers to judge CBA and ABA moot court and moot arbitration competitions each year, while working as a mentor to young attorneys. He was awarded the ALFN JPEG Picture the Future Award in 2021 and is presently serving as a member of the ALFN Board of Directors, where he also holds the position of Treasurer for the ALFN.
He most recently spoke on the topic of emerging litigation topics across the nation at ALFN INTERSECT in 2023. He also spoke on the topic of leadership at ALFN ANSWERS in 2023. Each of these panels was well-attended and well-received by all, including servicers in the audience that thanked me for my insights and presentation.
His most recent published success in the Illinois appellate court resulted in successfully obtaining a key published mortgage foreclosure ruling in U.S. Bank Nat'l Ass'n as Tr. for Registered Holders of First Franklin Mortgage Loan Tr., Mortgage Loan Asset-Backed Certificates, Series 2007-FF2 v. Gagua, 2020 IL App (1st) 190454, which is the leading case in Illinois on the requirements for judgment affidavits and compliance with Illinois law on same.
Blake is a regular contributor to the ALFN Angle, most recently with the edition that was released in November 2023 on the topic of new Illinois foreclosure notices put in place throughout the state.
Alicia Dux
AVP of Agency Foreclosure, Bankruptcy, & Loss Mitigation
BSI Financial Services
4200 Regent Blvd, Suite B200
Irving, TX 75063
(972) 704-5688
[email protected]
Alicia is a dedicated and results-oriented Mortgage Servicing Professional with over 20 years of experience in the financial services industry. She has a proven track record of effectively managing and servicing mortgage portfolios while ensuring compliance with industry regulations and company policies. Adept at fostering positive customer relationships, resolving complex issues, and optimizing operational efficiency. She is strong at analytical, communication, and leadership skills, with a commitment to delivering superior service and maximizing client satisfaction.
Within these 20+ years, she has climbed the corporate ladder from a receptionist to Assistant Vice President. Her journey has been defined by unwavering determination, honed skills, effective leadership, a commitment to continuous learning, and a passion for developing both teams and individuals. She firmly believes that success is a natural outcome when we have a clear vision of our long-term goals for both our organization and ourselves.
Certifications:
Certified Mortgage Servicer (CMS)
Skills:
Loan Servicing, Regulatory Compliance, Portfolio Management, Team Leadership, Customer Relationship Management, Data Analysis, Process Improvement, Communication, Problem Solving
Annalise Hayes DeLuca, Esq.
Managing Partner - FL
McMichael Taylor Gray, LLC
3550 Engineering Drive, Suite 260
Peachtree Corners, GA 30092
[email protected]
Annalise Hayes DeLuca is the Florida Managing Partner at McMichael Taylor Gray, LLC. Over the last 12 years, Annalise has risen through the ranks of the legal profession from law clerk, to Associate, to Partner, and ultimately her current role. In addition to her decade plus experience in all aspects of the mortgage and default services space, Annalise has helped to build a robust landlord-tenant practice over the past several years. She is also in her second term as Secretary of the Junior Professionals & Executive Group of the American Legal & Financial Network and is a regular contributor to industry publications.
Jim Timberlake, Esq.
President
Baer & Timberlake, P.C.
5901 N. Western Avenue, Suite 300
Oklahoma City, OK 73112
405-842-7722
[email protected]
CEO, cycling aficionado, and lifelong learner, Jim believes the best way to improve is to surround yourself with people who are smarter than you. Born in Fort Hood, Texas, and raised in Oklahoma, Jim earned his BBA in Finance at SMU in Dallas, then returned home to Oklahoma for law school. He can usually be found on a bike or researching some obscure topic. Traveling is a passion (usually with a bike in tow), with Colombia being his most recent adventure.
Marcy Ford, Esq.
Managing Partner
Trott Law, P.C.
31440 Northwestern Highway, Suite 145
Farmington Hills, MI 48334
(248) 594-5403
[email protected]
Marcy J. Ford is a Managing Partner with Trott Law, P.C., a premier default legal services firm with offices in Michigan, Minnesota, and Indiana. She is a member of the State Bar of Michigan, the American Bankruptcy Institute, the National Association of Chapter 13 Trustees, and a member and former board representative of the Consumer Bankruptcy Association of (Eastern District of Michigan.) She served on the USFN Board for 11 years and was USFN President from 2012 to 2014, and has been active in the ALFN and WILL. She is a frequent speaker and a published author on bankruptcy and mortgage default topics.
General Session 3 – Regulatory Compliance Trends Fireside Chat
Tuesday, July 22, 2025
Grand Sierra Ballroom
9:00 AM – 10:00 AM Pacific Time
Join us for an insightful fireside chat exploring the evolving regulatory environment shaping the default mortgage servicing industry in 2025. Attendees will gain a forward-looking perspective on compliance strategies, risk mitigation, and how to stay ahead in a landscape where regulatory momentum is increasingly decentralized.
Moderator:
- Natalie Grigg, Esq., Partner, Tromberg, Miller, Morris & Partners, PLLC - [email protected]
Speaker:
- Nathan Willner, Esq., VP of Government Affairs (State), National Creditors Bar Association (NCBA) - [email protected]
Natalie A. Grigg, Esq.
Partner
Tromberg, Morris & Partners, PLLC
39 Broadway, Suite 1250
New York, NY 10006
Phone: 212-267-3550
[email protected]
Natalie A. Grigg is a seasoned attorney with over two decades of experience in creditors' rights, foreclosure, bankruptcy, litigation, and default servicing. She currently serves as a Partner and Managing Attorney for New York and New Jersey at Tromberg, Miller, Morris & Partners, PLLC (TMMP), where she provides strategic legal guidance to financial institutions, mortgage servicers, and investors, where she provides strategic legal guidance to financial institutions, mortgage servicers, and investors Her practice spans the full-spectrum of default-related matters including contested and uncontested foreclosures, bankruptcy proceedings, eviction actions and complex litigation.
Before joining TMP, Natalie was a Partner at Woods Oviatt Gilman LLP, leading the firm's Default Servicing Department. In this role, she oversaw staff and attorneys, ensuring compliance with state and federal laws and regulations. Her practice encompassed representing lenders, investors, and servicers in residential mortgage foreclosures, bankruptcy actions, evictions, and related litigation throughout New York State.
Natalie is active in her local community and in the industry as a whole, and was the immediate past Chair of the Board of Directors for the American Legal Financial Network. She is a recognized speaker and author, blending her legal expertise with her passion for professional development, presenting on topics such as legal trends, leadership issues, and attorney wellness.
Natalie holds a J.D. from the University at Buffalo Law School. She is admitted to practice in all New York State Courts as well as the U.S. District and Bankruptcy Courts across New York State.
Nathan Willner, Esq.
Vice President – Government Affairs (State)
National Creditors Bar Association (NCBA)
2705 Steele Road
Baltimore, MD 21209
410-382-7588
[email protected]
Nathan Willner is the Vice President of Government Affairs for the National Creditors Bar Association (NCBA) and a registered federal lobbyist. He collaborates regularly with state and federal legislators, legal and banking trade associations, and regulatory agencies. Previously, Mr. Willner practiced law at Lyons, Doughty and Veldhuis, P.C., where he managed legislative affairs and maintained an active litigation practice in Maryland. He notably prevailed in the Townsend v. Midland case, which clarified debt collection litigation standards in Maryland.
A recognized speaker, Mr. Willner lectures on topics such as lobbying, judiciary relations, and ethics. Among his professional achievements, he received the prestigious 2022 Leaders In Law Award from the Maryland State Bar Association and the Daily Record. Mr. Willner is actively involved in legal and community organizations, serving as a past Chair of the National Association of Bar Executives, Government Relations Section and current President of the Association of Corporate Counsel- Baltimore Chapter. He has participated in multiple Baltimore City Mayors’ Transition Teams and joined economic missions to Israel and Jordan, including one with Governor Martin O'Malley.
Mr. Willner earned his Juris Doctor from the University of Maryland School of Law and his Bachelor of Arts in Political Science from Temple University, graduating Phi Beta Kappa.
Breakout Session 1 – The State of State Enforcement Actions
Tuesday, July 22, 2025
Grand Sierra Ballroom AB
10:15 AM – 11:15 AM Pacific Time
With the sweeping changes at the CFPB, many states are expected to take the lead on consumer and mortgage lending/servicing enforcement. This panel will discuss which states are most likely to lead the charge, what types of enforcement actions are likely and what servicers and attorneys should anticipate.
Moderator:
- Deanne Stodden, Esq., Partner, Messner Reeves LLP - [email protected]
Speakers:
- Manny Newberger, Esq., Founding Shareholder & Vice President, Barron & Newberger, PC - [email protected]
- Ryan Bourgeois, Esq., General Counsel/Compliance Officer – Partner, BDF Law Group - [email protected]
Deanne Stodden, Esq.
Partner
Messner Reeves LLP
1430 Wynkoop Street, Suite 300
Denver, Colorado 80202
(303) 623.1800
[email protected]
Deanne's practice encompasses all areas of real estate law, business law, banking law and creditor's rights. The majority of her legal career has focused on the representation of large and small financial institutions and other creditors in residential and commercial foreclosures, loan workouts, deficiency actions and real estate-related litigation. Deanne has significant experience negotiating and documenting loan transactions involving real estate. She drafts and negotiates leases, license agreements, cell tower leases and enjoys working with small businesses and entrepreneurs on entity formation, organization documents and contracts. In addition to her work, Deanne is active in the legal community and is a frequent author and speaker on a variety of real estate law and creditor's rights topics. Deanne is currently a member of the Colorado Bar Association Ethics Committee and is a liaison to the Colorado Bar Association Real Estate Section Council. In addition, Deanne is the Managing Editor of the Colorado Bar Association/CLE Colorado Real Estate Practice books and collaborates with the other authors to teach the 13-week course in real estate law to new lawyers, paralegals and other attendees.
Manny Newburger, Esq.
Attorney/VP/Shareholder
Barron & Newburger, P.C.
7320 N. Mopac Expy., Suite 400
Austin, TX 78731
(512) 649-4022
[email protected]
Manny Newburger leads the Consumer Financial Services Law Practice Group at Barron & Newburger, P.C., representing and advising financial institutions, debt buyers, law firms, and collection agencies. He has practiced in Texas since 1983, and he is also licensed to practice in Colorado, Massachusetts, and Wisconsin. Mr. Newburger defends consumer litigation across the United States, and he is also admitted to practice before the United States Supreme Court, twelve federal circuit courts of appeals, and twenty-four federal district courts. In addition to his licenses he has been certified as a specialist in consumer and commercial law by the Texas Board of Legal Specialization.
Mr. Newburger is a graduate of the University of Texas School of Law, where he taught consumer law from 1999 to 2022. He is a Fellow of the American College of Consumer Financial Services Lawyers, and a member of the National Creditors Bar Association and the ABA. His practice focuses on litigation, litigation management and strategy, and regulatory defense and compliance, and he also serves as a settlement negotiator in complex cases and as a mediator.
Mr. Newburger is known nationally for his expertise in consumer and commercial law, and he is the author of books and articles covering a variety of consumer law issues affecting the collection industry.
Ryan Bourgeois, Esq.
General Counsel – Partner
BDF Law Group
4004 Belt Line Road, Suite 100
Addison, TX 75001-4417
(972) 386-5040
[email protected]
Ryan Bourgeois is a partner with Barrett, Daffin, Frappier, Turner and Engel and manages the Texas, Colorado and Georgia Foreclosure Groups and serves as the firms Compliance Officer. He attended Texas Christian University earning a Finance degree in 2002. He received a Juris Doctor from Southern Methodist University Dedman School of Law in 2005. Mr. Bourgeois is currently licensed in Texas, Georgia, and Colorado. Mr. Bourgeois is the co-chair of the USFN Advocacy Task Force. Mr. Bourgeois is also currently a member of the Legal League 100 Advisory Council and the Special Initiatives Working Group. Mr. Bourgeois has written numerous industry articles and presented at several industry conferences and real estate CLE’s in Texas.
Breakout Session 2 – Post-Foreclosure Issues
Tuesday, July 22, 2025
Grand Sierra Ballroom CD
10:15 AM – 11:15 AM Pacific Time
Join us for an insightful panel session that addresses the multifaceted challenges of post-sale foreclosure, creative title resolutions, and squatters' rights. Our expert panel will delve into the complexities of achieving clear marketable title, analyzing common impediments such as title issues, litigation, bankruptcy, missing documentation, and uncooperative third-party buyers, and offering practical solutions to mitigate these costly delays. Addressing clouds on title is a key challenge for foreclosure firms, and the discussion will cover title insurance policies, resolving common issues like prior unreleased trusts, legal description errors, and prior judgments, as well as creative solutions for uncommon issues like improperly executed documents, easements, and boundary disputes, illustrated through case studies. Additionally, with evolving laws on squatters' rights, the panel will provide timely insights into pending and existing legislation in states like Texas, Florida, and California, and strategies for dealing with squatters and other post-sale challenges. Gain comprehensive insights and practical strategies from experienced panelists on navigating these complex post-foreclosure issues, ensuring smoother processes and better outcomes for all involved.
Moderator:
- Adam Diaz, Esq., Partner, Diaz | Anselmo - [email protected]
Speakers:
- Jianna Jaquez Santos, Esq., Associate Attorney, McCabe Weisberg & Conway - [email protected] (Creative Title Resolutions)
- Joe Camillo, Jr., Esq., Managing Partner – New England, ALAW - [email protected] (Post-Sale Foreclosure Issues)
- Keller Mackie, Esq., President, Mackie Wolf Zientz & Mann, PC - [email protected] (Squatters’ Rights)
Adam Diaz, Esq.
Partner
Diaz | Anselmo
499 NW 70th Ave, Ste. 309
Plantation, FL 33317
(954) 564-0071, ext. 213
[email protected]
Adam Diaz is a Partner at Diaz | Anselmo in Ft. Lauderdale, FL. He is AV Rated by Martindale-Hubbell which is the highest peer rating for Ethical Standards and Legal Ability. Adam has concentrated his practice in the areas of mortgage foreclosure and real estate, bankruptcy, consumer protection actions and commercial litigation. He is admitted in all Federal Courts in Florida as well as the United States Court of Appeals for the Eleventh Circuit. Adam is also licensed to practice in Illinois, Ohio, and Wisconsin. Adam has been instrumental in advancing the law in the Bankruptcy Courts for Creditors, and obtained one of the first opinions providing that a debtor is barred from defending property after surrender, as well providing that a Debtor cannot cramdown multiuse residential property.
Jianna Jaquez Santos, Esq.
Attorney
McCabe Weisberg & Conway
312 Marshall Ave Suite 800
Laurel, MD 20707
(240) 709-4001
[email protected]
Current Practice at McCabe in the area of creditors’ rights for three years with a focus on foreclosure litigation, eviction litigation, and title-related litigation. Previous experience as a Settlement Agent and Attorney at a Maryland law firm focusing on Title and Real Estate law. Received Juris Doctorate from Antonin Scalia Law School in 2019 and Bachelor degree from the University of Maryland in 2016. Admitted to practice in both Maryland and the District of Columbia having been admitted to the Court of Appeals, MD (2020), Court of Appeals, DC (2020), United States District Court for the District of Maryland (2023), United States District Court for the District of Columbia (2024).
Joseph A. Camillo, Jr., Esq.
Managing Partner - New England Foreclosure, Default Servicing & Litigation Practice Groups
ALAW
400 Tradecenter Drive, Suite 5900
Woburn, MA 01801
781-269-6501
[email protected]
Joseph A. Camillo serves as the Managing Partner of ALAW’s New England Foreclosure, Default Servicing, and Litigation Practice Groups. With over 30 years of legal experience, he is a recognized authority in Banking, Creditors’ Rights, Bankruptcy, Foreclosure, Real Estate, Litigation, Regulatory Compliance, and Condominium Law.
Joseph’s expertise includes extensive representation of public and quasi-governmental agencies, such as the Massachusetts Housing Finance Agency, Rhode Island Housing, Maine State Housing Authority, Fannie Mae, Freddie Mac, HUD, USDA, and the Veterans Association.
In addition to his legal practice, Joseph holds several professional affiliations and leadership roles:
- Past Chair of USFN’s REO/Eviction Committee
- Past Member of USFN’s Advocacy Committee
- Past Ex Officio Member of USFN Education Committee
- Member of ALFN Advocacy Committee; Marketing & Event Planning Group (MEPG)
- Corporate Counsel (2011-2022) for the New England Adjustment Managers Association (NEAMA)
- Conference Faculty Member for both the Massachusetts Continuing Legal Education (MCLE) and the Real Estate Bar Association for Massachusetts (REBA)
- Member of the Real Estate Bar Association and Massachusetts/New Hampshire Bar Associations
A sought-after speaker, Joseph lectures nationwide on topics such as foreclosure, bankruptcy, eviction, condominium law, and litigation.
Education
- Massachusetts School of Law, J.D., 1994
- St. Bonaventure University, B.A., 1989
- Massachusetts (all State and Federal Courts)
- New Hampshire (all State and Federal Courts
- Vermont (US District Court)
- United States Court of Appeals for the First Circuit
Keller Mackie, Esq.
President
Mackie Wolf Zientz & Mann, P.C.
14160 N. Dallas Parkway, Suite 900
Dallas, TX 75254
(214) 635-2651
[email protected]
Keller Mackie is a 4th generation Texan from Fort Worth who serves as the Firm’s President and Chief Information Security Officer. He has over twenty-five years of experience in mortgage banking issues related to residential mortgage origination and servicing. Keller is licensed to practice law in Massachusetts and Texas and is a frequent speaker at mortgage banking/servicing conferences on relevant legal topics including:
- Texas Home Equity Lending/Foreclosures
- Transferred Tax Liens
- Reverse Mortgage Lending/Foreclosures
- Texas Probate Title Issue
- Loss Mitigation Best Practices in Texas
Breakout Session 3 – AI in Legal Practice
Tuesday, July 22, 2025
Alpine Ballroom B
10:15 AM – 11:15 AM Pacific Time
Explore the transformative impact of AI on the legal industry in this engaging panel session. Our expert panelists will discuss how AI technologies are revolutionizing legal practice, from automating routine tasks to enhancing decision-making processes.
Key topics will include:
- AI-Powered Legal Research: Discover how AI tools are streamlining legal research, providing faster and more accurate results, and enabling lawyers to focus on higher-value activities.
- Document Automation and Analysis: Learn about AI-driven solutions for drafting, reviewing, and analyzing legal documents, reducing errors and increasing efficiency.
- Predictive Analytics in Litigation: Understand how AI is being used to predict case outcomes, assess risks, and develop more effective litigation strategies.
- Ethical and Regulatory Considerations: Discuss the ethical implications and regulatory challenges of integrating AI into legal practice, ensuring compliance and maintaining professional standards.
Join us to gain valuable insights into the current and future applications of AI in the legal field, and learn how to leverage these technologies to enhance your practice and stay ahead in a rapidly evolving industry.
Moderator:
- Randy Miller, Esq., President, Randall S. Miller & Associates - [email protected]
Speakers:
- Adam Friedman, Esq., Managing Partner, Friedman Vartolo - [email protected]
- Eyal Leeder, Co-Founder & Chief Revenue Officer, AskTuring.ai - [email protected]
Randall S. Miller, Esq.
President/CEO
Randall S. Miller & Associates
American Legal & Financial Network “ALFN”
43252 Woodward Avenue, Suite 180
Bloomfield Hills, MI 48302
(248) 335-9200 x101
[email protected]
Randall S. Miller, Randy as he is called by his friends, graduated from Michigan State University in 1987 with a B.S. in Political Science/Pre-Law. He earned his J.D. at the Detroit College of Law in 1992. After spending over a decade as a trial attorney, Randy started his law firm, Randall S. Miller & Associates in 2002. The firm is now in the States of Colorado, Illinois, Michigan, Minnesota, Wisconsin and Wyoming. Randy is also the CEO of U.S. Default Management, a back office solutions provider, helping save servicers millions of dollars per year. His current focus is on their new Universal Attorney Audit Platform, which benefits servicers and attorneys alike. Schweitzer Title Agency, LTD is another of Randy’s companies, providing national title solutions, as well as handling closing/escrow matters. He formerly sat on both the Executive Board and Executive Committee of the Association of Trial Lawyers of America, and headed its PAC Task Force. He also served on the Executive Board of the Michigan Association for Justice. As a member of the State Bar of Michigan Representative Assembly, an elected position that he held until being term limited out, he chaired its Drafting Committee where he had the ability to redraft Michigan’s’ attorney ethics standards.
Adam Friedman, Esq.
Managing Partner
Friedman Vartolo, LLP
1325 Franklin Avenue, Suite 160
Garden City, NY 11530
(212) 471-5100
[email protected]
Adam J. Friedman is a managing partner of Friedman Vartolo LLP. He presently serves as the managing partner of the Garden City, Jersey City and Philadelphia offices. Adam manages the Bankruptcy, Financial, Mid-Atlantic Foreclosure and Technology departments of the firm.
Prior to founding Friedman Vartolo, Adam managed the Real Estate and Foreclosure divisions of Pulvers, Pulvers, Thompson & Friedman, LLP from 2010 to his departure.
Adam is admitted to practice law in Maryland, New York, New Jersey and Pennsylvania state courts as well as the United States District Courts in New Jersey and the Eastern, Southern, Western and Northern Districts of New York.
Eyal Leeder
Co-Founder, CRO
AskTuring.ai
2223 Avenida De La Playa UNIT 120
La Jolla, CA 92037
(858) 740-0442
[email protected]
Eyal Leeder is a seasoned operations and business development executive with over two decades of expertise in the default-servicing industry, specializing in AI-driven transformation and operational excellence. He has a proven track record of driving significant business impact through innovative technology solutions and strategic process optimization.
As a pioneer in AI applications for financial services, Eyal architected go-to-market strategies for cutting-edge document-intelligence platforms and holds a patent for a groundbreaking AI architecture. His leadership in process automation initiatives has consistently delivered measurable results, streamlining operations to enhance cash flow and drive performance improvements across organizations.
Eyal's career spans influential leadership positions at industry-leading firms including AskTuring.ai, Korde & Associates, Halliday, Watkins & Mann, The Mortgage Law Firm, and Homecomings Financial. His foundation in military service as an officer in the Israeli Defense Forces instilled the discipline, strategic thinking, teamwork, and talent development expertise that continues to define his approach to business challenges and leadership philosophy.
A recognized thought leader in AI advancement, Eyal regularly contributes insights through published articles and industry panel discussions, helping shape the conversation around technology's role in financial services transformation.
He earned his B.S. in Physics and Mathematics from Bar Ilan University in Israel and an MBA from San Diego State University, combining analytical rigor with business acumen. Fluent in Hebrew, Eyal brings a global perspective to his work.
Based in San Diego, California, Eyal balances his professional achievements with a rich family life alongside his wife and three sons. When not solving complex business challenges, he can be found exploring new destinations near and far, conquering escape rooms, or strategizing over board games—all while managing his ever-growing sock collection.
Breakout Session 4 – Compliance Change Management
Tuesday, July 22, 2025
Grand Sierra Ballroom AB
11:30 AM – 12:30 PM Pacific Time
Join us for a comprehensive discussion on the creation and implementation of servicer directives. Our expert panel will explore how servicer directives are formulated and the avenues available for firms to submit suggestions for improving process flow. We will cover best practices for law firms in implementing and training on new procedures, including software process revisions and integrations, and the implications for compliance and scorecards. Additionally, we will touch on the potential role of AI in facilitating more effective management of client directives. Gain valuable insights into optimizing servicer directives and enhancing operational efficiency in your practice.
Moderator:
- Michael Rak, Esq., Partner, Lender Legal PLLC - [email protected]
Speakers:
- Beth Northrop-Day, Esq., Vice President | Assistant General Counsel, U.S. Bank - [email protected]
- Laura Noyes, Esq., Shareholder, Kass Shuler, P.A. - [email protected]
- Michael Chisholm, Director of Client Relations, Friedman Vartolo - [email protected]
- Michael Messick, Director of Strategic Operations, O.L.A.F. Companies - [email protected]
- Tricia Osgood, New Development Project Manager, CaseMax - [email protected]
Michael Rak, Esq.
Partner
Lender Legal PLLC
2807 Edgewater Drive
Orlando, FL 32804
386.848.3907
[email protected]
Michael Rak, Esq., is a Partner at Lender Legal PLLC who specializes in foreclosure litigation and various other real estate law matters.
Originally from DeLand, Florida, Michael attended the University of Florida, where he obtained a Bachelor’s Degree in Political Science. Michael then attended Florida State University College of Law, obtaining his Juris Doctor in 2008.
Michael began his legal career as a litigator with a firm in Maitland, Florida, specializing in foreclosure defense, consumer/debtor bankruptcy, debt negotiation, Fair Debt Collection Practices Act and Florida Consumer Collection Practices Act cases, and Social Security disability claims.
Michael joined Lender Legal PLLC, a creditor’s rights firm with a primary practice area of residential mortgage foreclosure, in August of 2013. He was promoted to managing attorney in 2016, and was made a partner in 2019. He is licensed to practice law in the states of Florida (2009) and Illinois (2022).
In his current role, Michael oversees teams of attorneys and paralegals in both Florida and Illinois. He provides guidance to financial institutions and investors on both a case-specific level and in an advisory role on regulatory/compliance issues. Michael develops firm policies and procedures related to every step of the foreclosure process, provides legal research and analysis on contested issues, first chairs trials with complex legal issues, and represents clients in appellate actions.
Michael was recognized as a 2022 Florida Rising Star by Super Lawyers, a rating service that is part of Thomson Reuters. Michael was appointed Secretary of the ALFN Amicus Briefs Committee in January of 2024, a position he holds to this day. When he’s not working, Michael can usually be found at Walt Disney World with his wife, Rosanne, and his two children, Siena and Lucca.
Beth Northrop-Day, Esq.
Vice President and Assistant General Counsel
U.S. Bank
500 W Cypress Creek Rd., Suite 460
Fort Lauderdale, FL 33309
612.248.0447
[email protected]
Beth Northrop-Day is a Vice President and Assistant General Counsel with U.S. Bank having joined the Bank in August 2014. Beth is lead attorney in the areas of Default Management Servicing Control and Default (Servicing) Operations, which includes but is not limited to Audit and Issues Management, SPOC & MAP, Loss Mitigation, Contested Foreclosure, Title issues, Probate, REO, Eviction, Property Preservation, Third Party Risk Management/Oversight, and Business Line Controls Management. In addition, she has experience in the management of highly contested litigation in the mortgage space and has worked closely with various entities regarding compliance with state and federal based laws, rules and regulations.
Beth has eliminated or reduced significant legal risks and exposure through getting in front of problem files, issues, etc. She understands the risks and is often able to resolve a dispute with outside the box thinking that leads to settlements. Beth focuses a significant amount of time on ensuring the Bank complies with all regulations, rules, federal agencies, etc. She develops and implements strategic positions to help her law firms and the Bank process defaulted loans properly and with the goal of helping the Bank's customers.
Beth participates in a variety of conferences and does not hesitate nor shy away from speaking at an event on default related issues or items. She has spoken at Legal League, ALFN conferences and WILLPOWER. Most recently, she spoke at a Bradley Arant industry summit where she shared her experiences and expertise in handling highly contested litigation and views on creatively handling and managing those matters.
Beth received the COSE award 6 months after joining the Bank in 2014. The COSE Award is the Circle of Service Excellence award given to those who not only exceeded expectations within a certain role or function, but went above and beyond their standard role to challenge the status quo, create new and innovative results and lead a project to its successful conclusion.
Beth participates in activities for St Jude's Childrens hospital, Feed my Starving Children and several Battered Women’s Clinics. She has also participated in clothing drives for battered women's shelters. She's spoken to and helped encourage and listen to women trapped in abusive relationships and shared her story to help encourage other to stand for themselves or to ask other to help them stand until they can stand on their own.
Laura Noyes, Esq.
Shareholder
Kass Shuler
1604 N Marion St
Tampa, Florida 33611
813-229-0900
[email protected]
Laura Noyes is a Shareholder at Kass Shuler where she leads the firm’s Foreclosure and Real Estate Litigation Department. She represents lenders, loan servicers, investors, and debt collectors in complex real estate litigation matters, with a focus on the consumer finance industry.
Laura is Board Certified in Real Estate Law by The Florida Bar. Board-certified lawyers have dedicated themselves to achieving a heightened level of excellence through character, professionalism, ethics, and credibility in the practice of law. Her certification reflects both a depth of knowledge and a commitment to excellence in real estate law.
Laura is licensed to practice law in the State of Florida and brings over 15 years of experience to her role. Since joining Kass Shuler in 2010, Laura has overseen the work of associates and staff in the foreclosure department, managed complex litigation portfolios, and developed legal strategies that ensure compliance and reduce client risk.
Laura earned her Juris Doctor in 2008 from the Florida State University College of Law. During law school, she served as a judicial intern for the Honorable Lewis M. Killian Jr. of the U.S. Bankruptcy Court for the Northern District of Florida and the Honorable Rosemary Gambardella of the U.S. Bankruptcy Court for the District of New Jersey. She obtained her Bachelor’s degree from Davidson College in 2005.
Laura is a frequent speaker at industry events and conferences, addressing topics such as foreclosure law, litigation trends, and regulatory developments. In 2021, she was recognized by the American Legal and Financial Network as one of the Junior Professionals and Executives Group’s “Stand-Out Young Professionals to Watch.”
Originally from New Jersey, Laura enjoys traveling with family and friends and spending time with her young son.
Michael Chisholm
Director of Client Relations
Friedman Vartolo, LLP
85 Broad St, #501
New York, NY 10004
(980) 3603-5634
[email protected]
Michael Chisholm currently serves as the Director of Client Relations at Friedman Vartolo LLP, a multi-state law firm focused on mortgage default legal services. In this role, he oversees firm performance and client compliance across six states, manage regulatory audits, lead business reviews, and serve as the primary liaison for investor and servicer clients. His legal expertise spans foreclosure law, mortgage servicing, and regulatory compliance. He holds a B.A. in Political Science and German Studies from the University of South Carolina.
Recognized for his strategic leadership and operational excellence, Michael brings nearly a decade of experience in organizational management. His top skills include regulatory compliance, team leadership, and advanced data analysis using Excel Power Query and SQL. Throughout his career, he has led large, cross-functional teams, optimized workflows for high-volume caseloads, and delivered impactful client strategies. Notable achievements include leading foreclosure operations through the challenges of the COVID-19 pandemic and playing a pivotal role in maintaining regulatory compliance across complex jurisdictions. He currently serve as Vice Chair of JPEG, where they help shape the organization's vision and direction.
Beyond his professional accomplishments, Michael is a committed advocate for civic engagement and community trust. During his time with the South Carolina State Election Commission, he supported fair and secure elections across 13 counties, conducting audits and training in partnership with federal agencies. He continues to champion integrity, equity, and public service through mentorship and policy work that promotes ethical leadership and community-centered outcomes.
Michael Messick
Director of Strategic Operations
O.L.A.F. Companies
811 Morrison Farm Rd Suite 200
Troutman, North Carolina 28166
(704) 880-2769
[email protected]
Mr. Messick has 10+ years of experience in the mortgage servicing arena. He joined OLAF as their Director of Strategic Operations from Shellpoint Mortgage Servicing Corporation (SMS) where he served as the Attorney Network Manager. Prior to SMS, he spent time at RoundPoint Mortgage Servicing Corporation (RPMS) in various Default management positions. From management of Operations, Quality Assurance (QA), FC/BK Timeline Oversight, Project Management, and Attorney Network, he brings a special perspective to the industry.
Additionally, Michael holds a Juris Doctoral (JD) degree from completing law school prior to his start in default, which provides an even more important view and grasp of legal issues at hand. In his downtime, Michael enjoys spending time with his wife and twins on the lake or a golf course.
Tricia Osgood
New Development Product Manager
CaseMax
13160 Foster Street, Suite 100
Overland Park, KS 66213
816-721-7543
[email protected]
Tricia joined the CaseMax team as Product Manager in February 2008. Her primary responsibility is to ensure that the application grows and continues to meet the needs of the law firms it supports. She works with the CaseMax staff in Business Analysis, Quality Assurance and Support to enable the teamwork that delivers continuous application development.
Tricia has over 35 years of experience in the definition and design of software applications with significant concentrations in business and system requirements, user interface design, and agile development.
Breakout Session 5 – Navigating the Insurance Crisis: The Impact of Rising Premiums, Cancellations, Climate Change, and Mortgage Payment Strain
Tuesday, July 22, 2025
Grand Sierra Ballroom CD
11:30 AM – 12:30 PM Pacific Time
In recent years, homeowners nationwide have faced the alarming trend of homeowner’s insurance policy cancellations and sharp premium increases, driven by rising natural disasters, higher claim rates, and evolving regulations. This session will delve into the key drivers behind these changes and their wide-reaching effects, including the financial pressures on homeowners that threaten their ability to keep up with mortgage payments and the potential for increased mortgage defaults. Featuring industry experts, the panel will analyze data on insurance cancellations and premium hikes, explore the growing financial burden on homeowners, and discuss strategies to mitigate these challenges, offering practical solutions to secure competitive rates and reduce risk exposure. Additionally, the discussion will cover the impact of climate change on property insurance and predictions for future lending and servicing. Attendees will gain a deeper understanding of the current state of the homeowner’s insurance market, its effects on mortgage payments, and actionable strategies for navigating these changes.
Moderator:
- Cathe Cole-Sherburn, Sr. Vice President, Trustee Corps - [email protected]
Speakers
- Kris Anderson, Partner/Owner, Trinity River Financial Insurance - [email protected]
- Ned Gaines, CIE, AIC, AINS, AIRC, MCM, Acting Commissioner, Nevada Division of Insurance - [email protected]
- Richard Lubliner, Esq., Managing Member, Lubliner Law, PLLC - [email protected]
- Richard Strayer, EVP, Servicing Operations, PennyMac Loan Services - [email protected]
- Steven Higgins-Prelle, Vice President, Slaterock Asset Management, LLC - [email protected]
Cathe Cole-Sherburn
Sr. Vice President of Operations
Trustee Corps
17100 Gillette Ave.
Irvine, CA 92614
949-252-8300 ext. 4317
[email protected]
Cathe Cole-Sherburn serves as Senior Vice President of Operations for Trustee Corps. She is responsible for managing all areas of operations, including ancillary companies, which include audit, compliance and strategic planning and development of all offices. Cathe brings over 35 years of all aspects of real estate mortgage default experience, including Servicing. Before joining Trustee Corps, Cathe was with the First American Trustee Servicing Solutions, where she was Senior Vice President. While there, her duties included the oversight and management of the Trustee Division. Prior to that, she was with the firm of Routh Crabtree Olsen/Northwest Trustee Services, where she was the Director of Operations and instrumental in setting up the AZ, CA, and HI offices and obtaining the Freddie Mac and Fannie Mae Counsel Designations. Prior to that, she was the Director of Operations for the Law Offices of Steven J. Melmet, Inc., for 14 years, and instrumental in obtaining in the Freddie Mac Designation and HUD Foreclosure Commissioner for state of CA. Cathe currently is a member of the Women in Legal Leadership for American Legal & Financial Network. She is also a member of Arizona Trustee Association, Mortgage Bankers Association, California Mortgage Bankers Association, National Association of Professional Women and Society of Corporate Compliance and Ethics. Cathe can be seen as a Moderator and/or Panelist at various industry conferences and provides seminars/training to our existing clients.
Kris Anderson
Partner/Owner
Trinity River Financial Insurance
121 Monument Circle, Suite 609
Indianapolis, IN 46204
812-887-0443
[email protected]
Kris Anderson is a Partner and Owner at Trinity River Financial Insurance, where he brings over two decades of experience in the insurance industry. Kris specializes in delivering tailored insurance solutions for lenders and real estate investors, ensuring comprehensive coverage and risk management.
At Trinity River Financial Insurance, Kris oversees a diverse portfolio of services including property insurance, flood insurance, force-placed insurance, and REO insurance. His expertise and dedication to client satisfaction have established him as a trusted advisor in the field.
Kris is committed to staying ahead of industry trends and continuously enhancing the agency's offerings to meet the evolving needs of his clients. His leadership and innovative approach have been instrumental in the growth and success of Trinity River Financial Insurance.
Outside of his professional endeavors, Kris is actively involved in community initiatives and enjoys spending time with his family. He holds a degree in Business Administration and is a certified insurance professional.
Ned Gaines
Acting Commissioner
Nevada Division of Insurance
1818 E. College Pkwy., Suite 103
Carson City, NV 89706
(775) 687-0783
[email protected]
Acting Commissioner Gaines has more than 25 years of experience in the insurance industry. He joined the Nevada Division of Insurance in April 2025 as the Chief Deputy Commissioner. Prior to this, he served 12 years with the Washington Office of Insurance Commissioner in a variety of leadership roles, most recently as the Deputy Commissioner of Rates, Forms & Provider Networks. Prior to that, he worked for several national Property & Casualty insurers as a compliance manager, claims manager, claims adjuster and agent.
Acting Commissioner Gaines earned a master’s degree in public policy from Liberty University (Lynchburg, VA) and a bachelor’s degree in business & management from Excelsior College (Albany, NY).
Acting Commissioner Gaines holds multiple insurance professional designations. He is an active member of the Insurance Regulatory Examiners Society and the Association of Insurance Compliance Professionals where he served as President of the Northwest Chapter.
Richard Lubliner, Esq.
Managing Member
Lubliner Law, PLLC
1645 Palm Beach Lakes Blvd.
West Palm Beach, FL 33401
(561) 207-2018
[email protected]
Richard Lubliner has earned a reputation in the legal community as a zealous “bull dog” that fights for his clients’ rights by providing them with diligent, creative, and dynamic representation both in the courtroom — and in the boardroom. Richard previously worked in the New York City office of one of the top law firms in the world, Chadbourne & Parke, now known as Norton Fulbright, where he worked on large, multi-billion dollar restructurings and litigation involving, among other entities, Enron, WorldCom, and Eddie Baur/Spiegel. Mr. Lubliner has been quoted in many newspapers including the New York Times, the Sun Sentinel, the Palm Beach Post, and the Daily Business Review.
As Managing Member of Lubliner Law, he brings over 20 years of experience representing both plaintiffs, and defendants, in state and federal courts throughout the country in litigation, and complex business transactions including, among other things, the sale/acquisition of gas stations, accounting firms, commercial real estate, offices of medical providers, and hotels.
Articles written by Mr. Lubliner have been published by national law periodicals, including the American Bankruptcy Institute. Richard also lectures on topics related to the financial services industry, Condos/HOAs, and the equine industry.
Richard is certified by the Florida Department of Business and Professional Regulation to provide Board certification classes, as well as property managers’ continuing education classes.
Richard Lubliner received his J.D. with Honors distinguished in the Top 11%, from Emory University School of Law, where he was both a published author and an Articles Editor for the Emory International Law Review. While in law school he was the recipient of the Nelson Mullins Riley & Scarborough, L.L.P. Scholarship.
Richard Strayer
EVP, Servicing Operations
PennyMac Loan Services
2201 West Plano Parkway
Plano, TX 75075
(817) 494-0310
[email protected]
Richard Strayer, CPA, has extensive work experience in the financial industry. Richard started their career as a Financial Analyst at Countrywide in 1994. Richard then moved to KPMG, where they worked as a Senior Auditor from 1997 to 2000. Richard then joined Countrywide Home Loans, serving in various roles including Assistant Vice President - Acquisitions, Vice President - Acquisitions, and First Vice President - Mortgage Subservicing from 2000 to 2006. Richard worked at Countrywide Financial as a Senior Vice President - Core Loan Servicing from 2007 to 2009. Richard then joined Bank of America as a Senior Vice President and worked there until 2014. Currently, Richard serves as the Executive Vice President of Operations at PennyMac Loan Services, LLC.
Richard Strayer, CPA attended California State University, Northridge from 1991 to 1997 and earned a Bachelor of Science in Business Administration and Accounting. Prior to that, they completed their high school education at Campbell Hall HS from 1984 to 1990. Richard holds the certification of Certified Public Accountant.
Steven Higgins-Prelle
Vice President
SlateRock Asset Management LLC
3033 South Parker Road, Suite 440
Aurora, CO 80014
720-476-7995
[email protected]
Steven brings valuable and well-rounded experience within the Mortgage and Servicing industry. He has done it all. His career began with over 15 years in mortgage origination, after which he moved on to Foreclosure, Bankruptcy, and Litigation on the Attorney Services side. Steven then made the jump to Servicing- running the Title and Litigation Department. While working in Servicing, he also attended Trials and Mediations, giving him a unique perspective on issues within our industry. Currently, Steven oversees mortgage servicing for a private investor portfolio of over 10,000 loans. He has previously been a moderator and panelist with the ALFN Answers Conference as well as a 2018 Recipient of the ALFN JPEG Picture the Future award.
Breakout Session 6 – Bankruptcy Insights & Developments
Tuesday, July 22, 2025
Alpine Ballroom B
11:30 AM – 12:30 PM Pacific Time
Join us for an in-depth panel session that covers the latest developments and future trends in bankruptcy. We will begin with a case update, followed by an overview of the impending bankruptcy rule changes set for late 2025. The session will also include a brief update on the Partial Claim / Payment Supplement and a discussion on the ramifications of In re Klemkowski for servicers.
Our panel will then explore the current status of bankruptcy mediation programs across the United States, examining what states are currently doing and whether these programs continue to receive funding. We will discuss the shift of many courts to online platforms for document exchange and mediation processes.
To conclude, the panel will analyze emerging trends and provide insights into what the future may hold for consumer bankruptcy. This session promises to offer valuable perspectives and practical strategies for navigating the evolving bankruptcy landscape.
Moderator:
- Christopher DeNardo, Esq., Vice Chair Bankruptcy Practice Group, LOGS Legal Group LLP - [email protected]
Speakers:
- Keri Ebeck, Esq., Partner, Bernstein Burkley - [email protected]
- LeAnn Covey, Esq., Shareholder/Senior Vice President, Client Relations, Compliance & Bankruptcy, Clunk Hoose Co., LPA - [email protected]
- Mike McCormick, Esq., Senior Partner, Bankruptcy, McCalla Raymer Leibert Pierce, LLP - [email protected]
- Natalie Womack, SVP, Director of Consumer Lending & Default Servicing, Simmons Bank - [email protected]
Christopher A. DeNardo, Esq.
Vice Chair – Bankruptcy Practice Group
LOGS Legal Group, LLP
985 Old Eagle Road, Suite 514
Wayne, PA 19087
(610) 278-6800
[email protected]
Christopher A. DeNardo is Vice Chair of the Bankruptcy Practice Group for LOGS Legal Group, LLP. He is a member of the Montgomery and Pennsylvania Bar Associations and is admitted to practice law in Pennsylvania, New Jersey, and New York, as well as all Federal District Courts in Pennsylvania and New Jersey as well as the Third Circuit Court of Appeals. In addition, he is a licensed title agent.
Mr. DeNardo has been practicing law for over twenty years and has several years’ worth of valuable experience representing lenders in creditors’ rights and bankruptcy issues as well as foreclosures, evictions, and other real estate transactions. He also has experience in title curative issues such as quiet title actions, reacquisition of properties after tax sale, and drug seizures. Mr. DeNardo is a frequent lecturer to lenders and government officials regarding both foreclosure and bankruptcy practice in Pennsylvania, as well as foreclosure mediation. He is a past co-chair one of the lenders’ representatives sitting on the Philadelphia Foreclosure Steering Committee, which is responsible for the development of the Philadelphia Mortgage Foreclosure Diversion Pilot Program, the foreclosure mediation program that has garnered international attention and become the template for similar programs for Courts throughout the United States.
Keri P. Ebeck, Esq.
Partner
Bernstein-Burkley
707 Grant Street, Suite 2200 Gulf Tower
Pittsburgh, PA 15219
412.456.8112
[email protected]
Keri is a partner and co-manager in the Bankruptcy & Restructuring practice group of Bernstein-Burkley, P.C. in Pittsburgh, Pennsylvania. As a Partner, she handles commercial, consumer, and real estate bankruptcy matters, as well as she is the co-manager of the bankruptcy group. Keri is certified by the American Board of Certification in consumer bankruptcy. Keri is the past Chair of the Allegheny County Bar Association Bankruptcy and Commercial Law Section, which is responsible for studying bankruptcy and commercial law and informing its members of proposed changes to related legislation. Keri is immediate past Treasurer of the Allegheny County Bar Association and is also the immediate past Chair of the Finance and Investment Committees for the Allegheny County Bar Association.
A member of the American Legal & Financial Network (ALFN), Keri was awarded the 2022 American Legal Financial Network’s Industry Achievement Award and is a past ALFN 2017 JPEG: Picture the Future Award, which recognizes stand-out young professionals for their achievements and commitment to the mortgage servicing industry. She is the immediate chair of the ALFN’s Bankruptcy and a member of its Women in Legal Leadership Committees and is a member of Legal League 100.
Keri is also a member and the finance committee chair of the Judith K. Fitzgerald Western Pennsylvania Bankruptcy American Inn of Court and a member of the Turnaround Management Association. She is licensed in Pennsylvania and New Jersey and is admitted to practice before the U.S. District Court for the Eastern, Middle, and Western Districts of Pennsylvania; the U.S. District Court of New Jersey; the U.S. District Court for the Northern District of Ohio; the U.S. District Courts of Northern and Southern Districts of Indiana; the U.S. District Courts for the Eastern, Northern, Southern, and Western Districts of Texas; the Third Circuit Court of Appeals; and the U.S. Supreme Court.
Keri has spoken on bankruptcy and collection topics nationally at the ALFN Answers annual conference as well as ALFN’s Bankruptcy conference since 2013. Keri also speaks, plans sessions and moderates regularly for the Allegheny County Bar Association, NBI and Pennsylvania Bar Institute on bankruptcy, collections and repossessions. Keri has also presented several on site client seminars as well as hosted webinars for clients, prospective clients and industry representatives on bankruptcy and collections. Keri was recently recognized in the 2021, 2022 and 2023 edition of Pennsylvania Best Lawyers for Bankruptcy. Keri is a certified mediator and registered to handle mediations for the Western District of Pennsylvania District and Bankruptcy Courts.
Keri is an active volunteer with Make-A-Wish Foundation, Greater Pennsylvania and West Virginia Chapter. Keri is also a board member of the Trojan Education Foundation.
LeAnn Covey, Esq.
Senior Vice-President/Shareholder
Clunk, Hoose Co., LPA
495 Wolf Ledges Parkway
Akron, OH 44311
330-436-0300
[email protected]
LeAnn Covey is a Senior Vice-President and Shareholder at Clunk, Hoose Co., LPA. She currently heads the Bankruptcy and Collections departments and oversees policy and compliance at the firm. Ms. Covey started at Clunk, Hoose Co., LPA prior to law school and has been with the firm for over twenty years. She has focused solely on various aspects of Creditor’s rights. She is licensed to practice law in the state and federal courts of Ohio, Kentucky, and West Virginia. She is a member of the ALFN, MBA, NACTT, NCBA, ACA, and state bar associations. Ms. Covey has spoken on various foreclosure and bankruptcy topics locally in Ohio and has written articles for the Legal League Quarterly, DS News, and ALFN Angle. She received her Bachelor of Science in Education from the Pennsylvania State University. After a brief period of time teaching high school history, she obtained her Juris Doctorate from The University of Akron. She strives to be an active member of her community by volunteering at local events. She currently serves on the board of trustees for the local theater company, Stow Players, as its President and volunteers as a coach and judge for the National Speech and Debate Association through Stow-Munroe Falls High School.
Michael McCormick, Esq.
Senior Partner - Bankruptcy Department
McCalla Raymer Leibert Pierce, LLP
1544 Old Alabama Road
Roswell, GA 30076
(678) 281-3918
[email protected]
Michael McCormick, a Senior Partner with the Bankruptcy group, joined MRLP in 2004. Mike currently provides bankruptcy representation for mortgage lenders and servicers nationwide. He is a frequent speaker and author on various topics related to bankruptcy, including the handling of escrow accounts during a bankruptcy proceeding, and is a member of numerous local and national bankruptcy organizations.
Natalie Womack
SVP, Director of Consumer Lending & Default Servicing
Simmons Bank
601 E. 3rd St. 7th Floor
Little Rock, AR 72201
501-377-7489
[email protected]
Natalie Womack is the Senior Vice President of Consumer Lending, Servicing, & Default for Simmons Bank. She leads Simmons’ consumer loan origination process, consumer loan servicing, as well as the consumer default process across their six-state footprint which includes Arkansas, Missouri, Tennessee, Oklahoma, Texas and Kansas. In 2016, Natalie joined Simmons leading the consumer default servicing teams until expanding her oversight in 2018 to overseeing consumer servicing and loan origination teams. A proud alumna of the University of Arkansas, Natalie has more than 18 years of mortgage servicing experience, as well as 7 years of consumer loan origination experience.
Breakout Session 7 – Legal Ethics
Tuesday, July 22, 2025
Grand Sierra Ballroom AB
2:00 PM – 3:00 PM Pacific Time
Join us for a comprehensive presentation on legal ethics, covering critical topics that impact today's legal practice. Our expert panel will delve into:
- Conflicts of Interest: Explore the nuances of priority issues with different clients, distinguishing between waivable and nonwaivable conflicts. Understand your duties and obligations in loss mitigation, including responsibilities to clients, opposition counsel, and the duty of candor to the court.
- Use of AI: Discuss the ethical implications of integrating AI into legal practice, focusing on required disclosures to clients and maintaining transparency.
- Data Breaches: Learn about the reporting requirements when firm data is breached, including who must be notified and the steps to ensure compliance.
This session will provide valuable insights and practical strategies for navigating these ethical challenges, ensuring you uphold the highest standards in your legal practice.
Moderator:
- Chris Picard, Esq., Principal, Neubert, Pepe & Monteith, PC - [email protected]
Speakers:
- Jill Jenkins, Esq., Managing Shareholder – PA Operations, KML Law Group, PC - [email protected]
- Mark Cronenwett, Esq., Partner, Lewis Brisbois Bisgaard & Smith, LP - [email protected]
- Michelle Gilbert, Esq., Managing Partner, Florida, Rubin Lublin - [email protected] or Peter Lublin
- Stephen Hladik, Esq., Partner, Hladik, Onorato & Federman, LLP - [email protected]
- Vin Averaimo, Esq., Partner, Barton Gilman - [email protected]
Christopher J. Picard, Esq.
Principal
Neubert, Pepe & Monteith, P.C.
195 Church Street, 13th Floor
New Haven, CT 06510
203.821.2000
[email protected]
Christopher J. Picard’s practice for the last 20 years has centered on handling creditor’s rights issues and real estate litigation in state, federal and bankruptcy courts inclusive of handling appellate matters. Chris will continue practicing in these areas and is expanding his practice to include commercial litigation. His clients have included national banks and servicers along with local lenders. Recently, Chris obtained two appellate decisions in favor of lenders; one involving the impact of divorce proceedings on a residential mortgage foreclosure and the other concerning to challenge the legal sufficiency of a special defense by way of summary judgment.
Chris began practicing law in 2000 after serving in the United States Navy as a Diver from 1987 to 1993. During his time on active duty, Chris participated in various salvage and recovery operations. After completion of his active duty, Chris attended Boston College where he served as President of the Boston College Men’s Rugby Team. While studying at the University of Dayton School of Law, Chris was a member of the Moot Court team winning the National Environmental Moot Court competition at Salmon P. Chase School of Law earning team honors for best brief and individual honors as Best Oralist.
Outside of practicing law, Chris is an active rugby referee and a Qualified Judicial Officer with World Rugby. Additionally, Chris enjoys spending time with his family inclusive of attending his children’s ice hockey games.
Jill Jenkins, Esq.
Managing Shareholder
KML Law Group, P.C.
701 Market Street, Suite 5000
Philadelphia, PA 19106
267-394-0625
[email protected]
Jill Jenkins serves as Managing Shareholder of Pennsylvania Operations at KML Law Group, P.C. a leader in the mortgage default servicing industry handling a broad array of creditors’ rights representation and loan resolution in Pennsylvania and New Jersey since 1981. She holds a Bachelor’s Degree from Penn State University, and a J.D. from The Delaware Law School of Widener University. Jill is licensed to practice law in Pennsylvania and New Jersey.
Before re-joining KML as a shareholder in 2024, Jill spent several years working for the largest residential mortgage subservicer in the country, as a Business Development Director responsible for negotiating the contracts of large mortgage companies and credit unions across the United States.
Prior to that, Jill was an integral part of the KML team for close to a decade, first handling secured creditor’s rights litigation, home retention, conciliations, and Sheriff’s sales which landed her on ALFN’s “Picture the Future” List in 2014. Jill then took on the role of Managing Attorney, overseeing Pennsylvania Foreclosure operations for several years. She spent a considerable amount of time working as a member of the Mortgage Foreclosure Steering Committee of Philadelphia, and the Philadelphia Bar Association where she held a variety of positions, including President and Chair of the Real Property Section in 2018.
Over the past year, Jill has taken an active role in reshaping and improving KML’s already sound operations and has furthered the firm’s mission to provide sound and compliant legal representation while maintaining a high level of respect and consideration for everyone with which we interact.
In her spare time, Jill enjoys spending time with her husband, Pete, and 2 children, Will and Maddy, traveling, and cheering for her beloved Nittany Lions, Eagles and Phillies.
Mark D. Cronenwett, Esq.
Director of Litigation
Mackie Wolf Zientz & Mann, PC
14160 North Dallas Pkwy, Suite 900
Dallas, Texas 75254-4319
214-635-2670
[email protected]
Mark D. Cronenwett joined the firm in October 2012 and serves as the Managing Attorney of the firm’s Litigation Section. Mark has 15 years of experience in mortgage-lending litigation; general commercial litigation; general insurance defense and appellate law. Prior to joining the firm, Mark was a Shareholder at Cowels & Thompson, P.C. and Higier Allen & Lautin, P.C. Mark is admitted to the Texas State Bar, Fifth Circuit, and all Texas Federal District Courts.
EDUCATION
J.D., Catholic University of America (1993)
B.A. English, University of Dallas (1990)
AFFILIATIONS AND AWARDS
¨ Member, State Bar of Texas (Consumer Law and Civil Appellate Sections)
¨ Member Dallas Bar Association
¨ Member Federal Bar Association
¨ Immediate Past President, St. Thomas More Society
¨ Pro Bono Counsel to White Rose Women’s Center
¨ Recognized, Texas Rising Star, Law & Politics, 2006 and 2005
ARTICLES
"Loss Mitigation Measure Upheld by Texas Supreme Court"
- Mark Cronenwett, Director of Litigation - June 3, 2014
Michelle Garcia Gilbert, Esq.
Managing Partner- Florida
Rubin Lublin, LLC
2313 West Violet Street
Tampa, Florida 33603
Direct: (813) 656-8803
[email protected]
Michelle Gilbert is admitted to the Florida Bar (1986), Washington, D.C. Bar (2020), Middle District of Florida (1988), Northern District of Florida (2005), Southern District of Florida (2006), U.S. Supreme Court (2000), and U.S. Court of Appeals for the Eleventh Circuit (2003). She matriculated at the University of South Florida (B.A., 1982, cum laude), and the University of Notre Dame Law School (J.D., 1985). She is a member of the following associations: Greater Tampa Association of Realtors; Bay Area Real Estate Council, Inc., Board of Directors; Hillsborough County Bar Association (Technology Committee; Real Property, Probate and Trust Law; Solo and Small Firm; and Veteran Sections); Florida Bar (Standing Committee on Technology; Real Property, Probate and Trust Law; Business; and Solo and Small Firm Sections- Executive Council); American Legal and Financial Network (WILLed co-editor); REOMAC/National Association of Default Professionals, Educational Council; and is a title agent for The Fund and Westcor. Michelle is a frequent speaker and author on various default industry topics.
Michelle places great value on serving her community. She volunteers with her parish, St. Lawrence Catholic Church and School, is on the advisory board of St Peter Claver Catholic School, an historically African American elementary school in Tampa, and assists various groups supporting children, animals, veterans and affordable legal services initiatives.
Stephen Hladik, Esq.
Partner
Hladik, Onorato & Federman, LLP
298 Wissahickon Avenue
North Wales, PA 19454
267-662-9022
[email protected]
Stephen M. Hladik, Esquire, is a principal in Hladik, Onorato & Federman, LLP. Formerly a Deputy Attorney General in charge of the Harrisburg office of the Pennsylvania Bureau of Consumer Protection, Steve brings a broad range of experience to his mortgage foreclosure, bankruptcy, tax sale and UDAAP legal practice. A graduate of the Pennsylvania State University, Steve’s interest in history and politics grew into a desire to study law while taking a constitutional law class, among others, as an undergraduate. Steve pursued and obtained his law degree from Widener University, with honors, where he was named Internal Managing Editor of the Law Review.
An Eagle Scout and New Jersey native, Steve gained significant expertise in lending law enforcement in the Pennsylvania Attorney General’s Bureau of Consumer Protection, handling UDAP, FDCPA, RESPA and TILA cases. Prior to joining Hladik, Onorato & Federman, LLP, Steve was the Pennsylvania managing attorney for one of the nation’s largest creditor’s rights firms, practicing mortgage foreclosure and bankruptcy law.
Steve routinely teaches Continuing Legal Education courses on mortgage law, bankruptcy law, title law, real estate tax sale law, FDCPA and CFPB regulations, and related lending law compliance issues. Steve also serves the mortgage servicing industry as the Vice Chairman of the Advisory Council of the Legal League 100 and having previously chaired the Government Affairs Committee of the Legal League 100. Steve also actively participates on various committees of the ALFN.
In addition to his legal practice, Steve was elected to three terms as a School Director on the North Penn School Board, and served as Chairman of the Finance Committee, where he oversaw implementation of a $225 million budget. Prior to service on the School Board, Steve was a member of the Towamencin Township Planning Commission for six years. Steve also served as the Vice President of the AKL Education Foundation and is currently the Vice President of the National Executive Council of Alpha Kappa Lambda Fraternity.
Steve is admitted to practice before the Supreme Courts of Pennsylvania, New Jersey, and New Mexico, the U.S. Court of Appeals for the Third Circuit and the U.S. District Courts for the Eastern, Middle and Western Districts of Pennsylvania, New Jersey, New Mexico, and Puerto Rico. He is a member of the Montgomery County, Pennsylvania, New Jersey, Federal and American Bar Associations. Steve also served two terms as the Co-Chair of the Business, Banking and Corporate Counsel Committee of the Montgomery County Bar Association.
Vincent J. Averaimo, Esq.
Partner
Barton Gilman, LLP
250 Broad Street
Milford, CT 06460
203-874-6773
[email protected]
For over 15 years, Vincent Averaimo has engaged in judicial foreclosures, complex foreclosure litigation, general civil litigation, probate litigation, title litigation, title curative, REO transactions and eviction litigation on behalf of numerous banks, financial institutions, non-bank servicers and investors.
Vinny has built a reputation as an aggressive, compassionate attorney who prides himself on high ethical standards. He has written a number of white papers relating to changes in Connecticut foreclosure laws and has presented many seminars to clients pertaining to the Fair Debt Collection Practices Act and the basics of Connecticut foreclosures. Vinny has been an adjunct professor at the University of New Haven in New Haven, Connecticut teaching graduate level courses in business law. He currently teaches classes in The Basics of Connecticut Foreclosures, Ethics and Real Estate transactions for the Dare’s Institute.
Vinny is especially proud of the New Haven Business Times “Forty Under 40” Award in
recognition of his professional achievement and community involvement and the “Helping Milford Grow” Award for professional and community contributions to the City of Milford. Vinny is also a contributor to many publications including realtor.com and Forbes magazine and has appeared on WTNH Channel 8 News where he spoke about protecting a consumer in a real estate transaction.
Vinny received his J.D. from Quinnipiac School of Law and his B.A. from Hofstra University.
In his spare time, Vinny is an avid tennis player competing in USTA sanctioned matches and
tournaments and cherishes his time with his wife and two daughters.
Breakout Session 8 – In-House vs. Outsourcing: What’s the Right Move?
Tuesday, July 22, 2025
Grand Sierra Ballroom CD
2:00 PM – 3:00 PM Pacific Time
The decision to keep operations in-house versus outsourcing is a critical and ongoing debate in mortgage servicing and legal operations. This session will dive into the strategic decision-making process behind outsourcing, discussing the benefits, risks, and long-term impact on efficiency, cost, and compliance. While offshore and nearshore support are widely discussed, this panel will take a broader approach—examining outsourcing in technology, legal processes, consulting, and operational support within mortgage servicing.
Topics we’ll explore include:
- Technology Solutions: Should servicers build proprietary systems or outsource to u third-party vendors? What factors influence the decision?
- Consulting & Advisory Services: When should servicers and law firms engage external consultants? What drives these choices—expertise gaps, scalability, cost-efficiency?
- Process Outsourcing: Should key processes such as process serving, claims management, loss mitigation, and compliance audits be handled internally or delegated to external providers?
- Industry Best Practices: What functions should remain in-house to protect operational integrity, risk management, and compliance?
- Lessons from the Field: Case studies from servicers and law firms that have successfully balanced in-house teams with outsourced solutions.
Moderator:
- Michael Zevitz, Esq., Shareholder & Managing Attorney, Southlaw, PC - [email protected]
Speakers:
- Jenny Lee, Senior Consultant, LegalFee Consultants - [email protected]
- Meredith McCrory-Laws, Enterprise Alliance Executive, a360inc - [email protected]
- Neeraj Mendiratta, President, KnovaOne - [email protected]
- Rudy Casanova, President & CRO, Global Strategic - [email protected]
Michael Zevitz, Esq.
Shareholder & Managing Attorney
Southlaw, PC
13160 Foster, Suite 100
Overland Park, KS 66213
(913) 620-0212
[email protected]
Mike joined the firm in July 1993 and is a Shareholder and Managing Attorney for the Judicial Foreclosure Department in the corporate office located in Overland Park, Kansas. He is currently admitted to practice law in Missouri and Kansas. He obtained his B.A. in Economics from the University of Kansas in 1987. He obtained his law degree from Creighton University, Omaha, Nebraska in 1990.
Mike has concentrated his practice of law in the areas of real estate finance and mortgage foreclosure since 1993. He is a noted speaker at various industry conferences and an author in regional and national publications. Mike was recognized as a "Best Lawyer in Kansas City" for Mortgage Banking Foreclosure Law in Ingram's magazine in 2010-2012.
Jenny Lee
Senior Consultant
LegalFee Consultants
1902 Wright Pl
Carlsbad, CA 92008
(503) 464-6794
[email protected]
With over 20 years of experience in mortgage servicing, Jenny Lee is a seasoned professional who brings deep industry insight and strategic expertise to her role as Senior Consultant at LegalFee Consultants. Since joining the firm in January 2025, Jenny has been instrumental in strengthening client relationships and elevating service delivery—particularly in the areas of foreclosure litigation and asset management.
Jenny began her career in 2005 and quickly emerged as a standout in the field, recognized for her ability to navigate the complexities of mortgage servicing with precision. Her roles at Gregory Funding, LLC—as a Foreclosure Team Lead and previously as a Litigation Analyst—equipped her with hands-on experience managing legal processes, analyzing cases, and supporting courtroom procedures. These roles honed her analytical strengths and her skill in safeguarding client assets through informed legal strategy.
At LegalFee Consultants, Jenny continues to be a driving force in guiding law firms through the complexities of foreclosure litigation. She combines technical knowledge with a strategic lens, ensuring clients not only address immediate legal hurdles but also strengthen long-term financial and operational outcomes.
Meredith McCrory-Laws
Enterprise Alliance Executive
a360inc
102 9th Street, Suite 200
San Antonio, TX 78215
(401) 269-9163
[email protected]
Meredith McCrory-Laws is a seasoned advisor with nearly 30 years of experience in the housing and mortgage servicing industry. After starting her career in mortgage origination, she has spent the past 20 years working across the default legal, title, financial, and technology sectors. At a360inc, she supports enterprise strategy, market positioning, brand development, and industry engagement through conference participation and relationship management. Meredith brings a strong focus on strategic growth and cross-sector collaboration, having worked with nationwide law firms, title companies, and a broad range of service providers across the housing ecosystem.
Neeraj Mendiratta
President
KnovaOne, and ARMGuard Solutions
9154 Delemar Ct.
Wellington, FL 33414
804-971-7462
[email protected]
Neeraj has extensive experience in managing multiple businesses. He is a serial entrepreneur with multiple startups that are serving Collections and Default industry with more than 20 years of experience. He has excellent knowledge of the industry and regulatory environment, and strong relationships with the industry players.
He established Mendiratta Consulting Company (KnovaOne) in 2012 with the aim of helping players in the Collections and Mortgage industry to improve their processes and performance, provide visibility into their operations, and provide support for mundane and repetitive tasks. As part of his consulting, he also setup a back office in Pune, India. The consulting is supported by an IT company (ARMGuard Solutions).
Before starting his own businesses, Neeraj was head of Default for Ocwen. Neeraj briefly served as the head of Attorney Network at NCO Financial. Prior to this, he donned several hats at Capital One managing analytics, first-party and third-party agencies, and the legal collections network.
Neeraj is a member of several professional organizations in Collections and Default industry, and actively participates in NCBA, RMAi, ALFN, USFN, MBA, FiveStar and CLLA.
To learn more about KnovaOne and ARMGuard, and how they can be a cost-effective solution for your business model, please connect with Neeraj.
Rudy Casanova
President & CRO
Global Strategic
508 S Lexington Avenue
Burlington, NC 27215
(214) 914-6171
[email protected]
Rudy Casanova graduated from St. Mary’s University in 1992 and holds a Bachelor of Business Administration in Finance. Mr. Casanova has worked in the mortgage servicing, default services, and real estate industry for 30+ years working in various Executive Management positions for the following institutions: US Real Estate Services, First American, PHH Mortgage, Countrywide and Fannie Mae to name a few. In 2002, Mr. Casanova co-founded RainMaker Solutions, a marketing and consulting company that provides services to the mortgage servicing, legal default, and real estate industry executives. Mr. Casanova held the position of Director of Global Sales before becoming President and Chief Revenue Officer and is a managing partner for Global Strategic Business Process Solutions Inc, an international business process outsource company with eight offices across three countries.
Breakout Session 9 – Mastering Leadership: Daily Routines and Productivity Strategies
Tuesday, July 22, 2025
Alpine Ballroom B
2:00 PM – 3:00 PM Pacific Time
Discover the secrets behind effective leadership through the lens of daily routines and productivity strategies. This session will delve into how successful leaders organize their day, schedule tasks, and handle emails to maximize efficiency and achieve their goals. Learn practical tips for personal productivity, including time management techniques, prioritization methods, and tools for staying on top of your responsibilities. Gain insights into the habits and practices that enable leaders to navigate their busy schedules with ease and maintain a high level of performance. Join us to enhance your own leadership skills and optimize your daily workflow.
Moderator:
- Erica Fujimoto, Director of Enterprise Consulting, Affinity Consulting - [email protected]
Speakers:
- Marco Brenes, Executive Vice President, Sales Manager of Default Services, ServiceLink - [email protected]
- Marni Sachs, Esq., Managing Attorney, Partner, Robertson, Anschutz, Schneid, Crane & Partners, PLLC – [email protected]
- Michael Merritt, SVP, Head of Default & Customer Care, BOK Financial - [email protected]
- Sally Garrison, Esq., CEO, The Mortgage Law Firm - [email protected]
- Ted Manley, Esq., Principal, MDK - [email protected]
Erica Fujimoto
Director of Enterprise Consulting
Affinity Consulting Group
Frisco, Texas
Direct: 727-202-3185
Cell: 727-479-6919
[email protected]
Erica Fujimoto is a change leader at the forefront of transformation in the legal industry. With over 25 years of experience spanning mortgage servicing, legal operations, and technology consulting, she helps law firms and corporate legal departments reimagine how they work, from business strategy to software implementation. Erica currently leads Affinity Consulting’s Enterprise Consulting team, where she focuses on enterprise management, process improvement, and legal technology—including the responsible use of AI. A recognized voice on emerging trends, she has been speaking on AI in legal since it became the industry's hottest topic.
Before stepping into her current role, Erica built and led Affinity’s Default Services team, developing implementation programs for CaseAware® and helping firms navigate the complex world of default legal operations. She began her career at a mortgage servicing foreclosure and bankruptcy analyst, moved into paralegal work, and quickly advanced into leadership roles focused on legal operations and technology transformation.
Erica is known for helping teams make complex change feel manageable, whether through enterprise rollouts, strategic consulting engagements, or mentoring future leaders. Her leadership is grounded in clarity, creativity, and a practical approach to innovation. She’s also an ALFN JPEG “Picture the Future” award winner and a USFN Associate Member of the Year. Erica brings heart, humor, and a forward-thinking mindset to everything she does, and she’s passionate about helping professionals thrive in an industry that’s always evolving.
Marco Brenes
Executive Vice President, Sales Manager of Default Services
ServiceLink
1355 Cherrington Parkway
Moon Township, PA 15108
(949) 307-2831
[email protected]
Marco Brenes is the Executive Vice President, Sales Manager of Default Services at ServiceLink, an end-to-end origination and default solutions provider. With over 25 years of experience in the real estate mortgage and banking industry, Marco has a proven track record in leadership, sales, marketing, and business strategy.
Before joining ServiceLink, Marco spent 18 years at Lenders Processing Services Inc. (LPS), where he served as Senior Vice President of National Sales. In this role, he was responsible for national account development and market share growth, managing divisions that included property preservation, valuations, technology, title services, escrow, and asset management.
At ServiceLink, Marco's extensive industry knowledge and strategic vision have been instrumental in enhancing and expanding the company's default and servicing solutions. His commitment to integrating all components of the business ensures that ServiceLink delivers the highest value to lenders, servicers, and investors.
Marco is dedicated to driving innovation and excellence within the company, leveraging his deep product knowledge and industry experience to achieve ServiceLink's objectives. Outside of his professional life, Marco is passionate about community involvement and enjoys spending time with his family.
Marni Sachs, Esq.
Managing Attorney, Partner
Robertson, Anschutz, Schneid, Crane & Partners, PLLC
6409 Congress Ave, Suite 100
Boca Raton, FL 33487
561-613-6945
[email protected]
Marni Sachs graduated cum laude from the University of Florida with a bachelor's degree in English in 2007. Following her undergraduate studies, Marni pursued her legal education at Nova Southeastern University Shepard Broad Law Center, where she earned her law degree in 2010. During her time in law school, Marni was actively involved in various student organizations, serving as a representative for the Student Bar Association and as treasurer of the Phi Alpha Delta legal fraternity. She was also a Florida Bar Foundation Public Service Mediation fellow. Marni is admitted to the Florida Bar and the U.S. District Courts for the Southern, Northern, and Middle Districts of Florida. She joined RAS in 2012 and was thereafter named a Partner. During her tenure at RAS, Marni has managed nearly every post-suit division, most notably the Reverse Mortgage Silo and Sales Departments. Currently, she serves as a Managing Attorney at its Florida office.
Michael Merritt
SVP, Customer Care & Mortgage Default Servicing
BOK Financial
Granite Plaza 7301 State HWY 161 Suite 305
Irving, TX 75039
469-646-9501
[email protected]
Michael manages the mortgage servicing contact centers and default servicing areas at BOK Financial including the Customer Service, Collections, and Loss Mitigation contact centers, the Loss Mitigation processing, Foreclosure, Bankruptcy, Claims, Post-Sale and Loss Analysis teams. Prior to joining BOK Financial, he oversaw mortgage sub-servicers at Goldman Sachs and led in a variety of areas at Mr. Cooper Mortgage primarily in Customer Care, Loss Mitigation, and First Line of Defense.
Michael holds a Master of Legal Studies in Risk Management from Texas A&M School of Law, an MBA from Texas Tech University and a bachelors degree in Organizational Leadership from Arizona State University.
Sally Garrison, Esq.
CEO
The Mortgage Law Firm, PLLC
421 NW 13th Street, Suite 300
Oklahoma City, OK 73103
405-246-0602
[email protected]
Sally E. Garrison received a B.A. in Economics, Environmental Science, and Political Science, from Claremont McKenna College in 1995. She received her J.D. from the University of Oklahoma, College of Law, in 2000. During her studies at the University of Oklahoma (OU), she also attended the Oxford Summer Program at Queen’s College, focusing on the European Union and Intellectual Property.
Before beginning her work in real estate litigation, Sally taught as an adjunct professor at the University of Oklahoma, College of Law, in the areas of Intellectual Property, Copyright, Contracts, and Law in Cyberspace. She assisted in the research and editing of Copyright in a Global Information Economy, ISBN 0-7355-2430-0; Toward an International Fair Use Doctrine, Columbia Journal of Transnational Law, 2000, Volume 39, No. 1; and Givers, Takers and Other Kinds of Users: A Fair Use Doctrine for Cyberspace, Florida Law Review, January 2001, Volume 53, No. 1.
From 2001 to 2008, Sally worked as in-house counsel for OU, representing various departments and organizations including Student Affairs, OU Police Department, Sam Nobel Museum, Alumni Affairs, Development, Housing and Food Services, and the University Outreach, among numerous others.
She is currently the managing member of The Mortgage Law Firm, PLLC, in Oklahoma, and is licensed in Oklahoma, Texas, Arizona, and Hawaii. Her work includes motion practice, non-jury and jury trial work, and appellate practice. She is also the Firm’s Client Relations and Marketing Liaison, working closely with clients to ensure excellent service and communication.
In addition to firm work, she has consulted with local law firms to provide system efficiency and managerial advice. She is a graduate of the Stagen Leadership Academy Integral Leadership Program, and was awarded Black Belt recognition for her work in communication, influence, and motivation. She was a finalist for the Women in Housing 2019 Keystone Award for Cultural Leadership. She won the USFN’s Member of the Year Award in 2020, along with being named one of OKC’s Top Attorneys by 405 Magazine in the area of real estate. She currently serves on the Board of Directors for the USFN.
Ted Manley, Esq.
Principal
MDK
1555 Lake Shore Drive
Columbus, OH 43204
(614) 226-5611
[email protected]
Theodore Manley, Co-Founder and Chief Executive Officer of MDK and its affiliated companies, is instrumental in shaping the firm's strategic direction. Ted's leadership has been pivotal in expanding MDK's services and geographic reach to cater to client needs in a dynamic market environment. Ted believes, “success is not measured just by the solutions we create for our clients but also by the careers we grow and the lives we touch. MDK has always been more than just a law firm; we are a community of professionals that continues to grow closer, more connected and better at what we do.”
As CEO, Ted oversees the firm's strategies with a keen focus on industry trends and the advancement of cutting-edge legal technology. Ted's daily responsibilities encompass a wide array of team meetings spanning legal and compliance, finance and accounting, human resources, information technology, and relationship management. Ted credits MDK’s staff- their tenacity, innovative spirit and excellent legal work- as the driving force behind the firm’s achievements.
Looking ahead, Ted is dedicated to improving MDK's operations by integrating successful practices from diverse industries. His vision includes empowering employees through an agile framework, offering them more autonomy and opportunities for professional growth. By adopting proven strategies from other sectors, Ted aims to innovate the way MDK operates. He also draws inspiration from successful business figures, clients, and prospective clients to drive continuous learning and improvement within the organization.
In response to the changing legal landscape, Ted underscores the importance of allocating resources to expand MDK's services beyond its traditional areas of practice. Leveraging technology and top-tier professionals, he aims to provide legal assistance to a broad range of industries, particularly those lacking adequate support in commodity legal services. Ted advocates for channeling the firm's energy towards growth in new areas, utilizing the expertise of MDK's skilled attorneys who excel in their respective fields. As a mentor and leader, Ted places great emphasis on nurturing the next generation of legal professionals and values collaboration as a key driver of success at MDK.
Beyond his professional commitments, Ted enjoys traveling with his family, biking, and spending time with his two standard poodles, Bowie and Suki, who serve as MDK's office dogs. He actively participates in the Wellington Initiative, a program with the Wellington School that uses technological metrics to measure student engagement.
General Session 4 - The Housing Economy, Foreclosure Market Updates & Trends to Watch
Tuesday, July 22, 2025
Grand Sierra Ballroom
3:15 PM – 4:30 PM Pacific Time
A panel of high-profile economists and industry executives will offer insights on the state of the U.S. economy and trends to watch in the housing market. The panel will especially focus on the default servicing market, with information on mortgage delinquencies; how housing market dynamics will impact the distressed housing market; what to expect in terms of defaults and foreclosures; and disposition strategies for properties in the foreclosure process.
Moderator:
- Rick Sharga, President & CEO, CJ Patrick Company – [email protected]
Speakers:
- Daren Blomquist, Vice President of Market Economics, Auction.com - [email protected]
- Joel Kan, Vice President, Deputy Chief Economist, Mortgage Bankers Association (MBA) – [email protected]
- Nolan Turner, Managing Director, Carrington Holding Company, LLC - [email protected]
- Selma Hepp, PhD, Chief Economist & SVP, Cotality
Rick Sharga
Founder & CEO
CJ Patrick Company
54 Gingham St
Trabuco Canyon, CA 92679
949.322.4583
[email protected]
Rick is the Founder & CEO of CJ Patrick Company, a market intelligence and advisory firm for companies in the real estate and mortgage industries.
One of the country’s most frequently-quoted sources on real estate, mortgage and foreclosure trends, Rick has appeared on CNBC, CBS News, NBC News, CNN, ABC News, FOX, Bloomberg and NPR. Rick is a founding member of the Five Star National Mortgage Servicing Association, on the Board of Directors of the National Association of Default Professionals, and was twice named to the Inman News Inman 100, an annual list of the most influential real estate leaders.
Rick has over 20 years of experience in the real estate and mortgage industries, including roles as the EVP/Market Intelligence at ATTOM Data, EVP for Carrington Mortgage Holdings, EVP at RealtyTrac, and as the Chief Marketing Officer of Ten-X and Auction.com, the leading online real estate marketplace.
Daren Blomquist
Vice President of Market Economics
Auction.com
1 Venture, Suite 300
Irvine, CA 92618
949-502-8310
[email protected]
Daren Blomquist is vice president of market economics at Auction.com. In this role, Blomquist analyzes and forecasts complex macro and microeconomic data trends within the marketplace and industry to provide value to both buyers and sellers using the Auction.com platform.
Daren’s reports and analysis have been cited by thousands of media outlets — including all the major news networks and leading publications such as The Wall Street Journal, The New York Times and USA TODAY. Daren has been quoted in hundreds of publications and has appeared on many national network broadcasts, including CBS, ABC, CNN, CNBC, FOX Business and Bloomberg.
Joel Kan
Vice President, Deputy Chief Economist
Mortgage Bankers Association (MBA)
1919 M Street, NW, 5th Floor
Washington, DC 20036
[email protected]
Joel Kan serves as Vice President, Deputy Chief Economist for the Mortgage Bankers Association. In this role, he is responsible for MBA's macroeconomic and housing market forecasts and oversees the production of MBA's industry surveys, including the Weekly Mortgage Applications Survey, Builder Applications Survey, and Mortgage Credit Availability Index - three of the association's high-profile surveys. Mr. Kan presents regularly on the economy and housing market at MBA and industry events, and is interviewed and quoted frequently in national, local and industry media outlets.
Prior to joining the MBA, he worked in Ernst & Young's Quantitative Economics and Statistics (QUEST) group. He holds a B.Sc. in Economics and Statistics from the University of Michigan, Ann Arbor.
Nolan Turner
Managing Director
Carrington
15 Park Ave, 10B
New York, NY 10016
646-709-7611
[email protected]
Nolan Turner is the Managing Director of Carrington Mortgage Holdings where he leads the firm's strategic initiatives, institutional business outreach, growth and revenue objectives, and industry / government partnerships across Carrington's continuum of companies.
Nolan has touched a plethora of business and finance operations throughout his career with a special emphasis on Mortgage Lending (Wholesale, Retail and Correspondent), Mortgage Servicing, and Default Management (REO disposition, Property Preservation, Title & Settlement Services). Nolan has hands on experience in Capital Markets, RMBS Securitization, and both the buy and sell side of whole loan trading, Non-Performing / Re-Performing Loans, and Mortgage Servicing Rights. Prior to joining Carrington in 2010, Nolan held executive leadership roles within the Investment Bank at Wachovia / Wells Fargo, Wholesale Mortgage Operations at World Savings, and Real Estate Development Operations for East-West Partners.
Nolan graduated with honors from the University of Nevada and holds undergraduate degrees in international business and psychology and was a PhD Candidate in behavioral science (cognitive psychology). Nolan has also completed extensive MBA coursework in International Business at IE Business School in Madrid, Spain and Quantitative Analytics at the University of Chicago Booth School of Business. Nolan has served on countless committees and boards within academia and the mortgage industry and is a graduate of the Mortgage Bankers Association (MBA) Certified Mortgage Banker (CMB) Program, MBA Future Leaders Program, and is a Housing Wire Rising Star award winner. Nolan is a board member of the Texas Mortgage Bankers Association and the current Chairman of the Texas MBA Mortgage Servicing Committee. In his spare time, Nolan enjoys a host of outdoor activities (hiking, mountain climbing, fishing, snowboarding / skiing, golf) and has traveled widely, visiting more than 91 countries. Nolan was born and raised in the Reno / Lake Tahoe area and currently resides in Southlake, TX.
Selma Hepp, PhD
Chief Economist and Senior Vice President
Office of the Chief Economist
Cotality
40 Pacifica #900
Irvine, CA 92618
(571) 369-1413
[email protected]
Selma Hepp holds the title of Senior Vice President and Chief Economist for Cotality, formerly CoreLogic. In this role, she leads the Economics team and is responsible for analyzing, interpreting and forecasting economic trends in real estate, mortgage and insurance.
Prior to joining CoreLogic in 2020, Selma was Chief Economist and Vice President of Business Intelligence for Pacific Union International, later acquired by Compass, where she oversaw the vital economic and technology intelligence to drive the expanding brokerage’s success. She also held the role of Chief Economist for Trulia; Senior Economist for the California Association of Realtors; and Economist and Manager for Public Policy and Homeownership research for the National Association of Realtors, as well as a special research assistant at the U.S. Department of Housing and Urban Development.
Selma frequently appears on local and national radio and television programs and has been widely quoted in The Wall Street Journal, New York Times and many industry trade publications such as National Mortgage News and HousingWire. Selma received the HousingWire Women of Influence Award in 2022.
She earned her M.A. in economics from the State University of New York, Buffalo and a Ph.D. from the University of Maryland.