Tara’s practice focuses on compliance and litigation for financial institutions related to consumer protection laws and the Bankruptcy Code.

Tara has extensive experience defending and advising financial institutions in consumer finance litigation and regulatory compliance matters. Tara regularly defends financial institutions in litigation involving various provisions of the Bankruptcy Code, the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Telephone Consumer Protection Act, Truth In Lending Act, Real Estate Settlement Procedures Act, and various state statutes related to consumer credit protection and unfair and deceptive acts and practices. Tara’s consumer finance litigation and compliance experience crosses various product lines, including mortgage, auto, credit card, student loans, and FinTech. She currently works with a team that serves as national consumer bankruptcy counsel for a national bank. Tara also works with a team defending a mortgage servicer against Telephone Consumer Protection Act claims throughout the country.

Additionally, Tara has significant experience advising clients on compliance with federal and state consumer protection statutes, including preparation and implementation of policies and procedures aimed at consumer compliance. For example, Tara advised a national bank in implementation of the TILA-RESPA Integrated Disclosure Rule in preparation for compliance audits and exams. She also advised a national bank in overhauling its policies and procedures for originating and servicing mortgage accounts in bankruptcy. Tara also has prepared Fair Credit Reporting Act and Fair Debt Collection Practices Act compliance policies for multiple financial institutions.

Relevant Experience

  • Defended financial institutions in litigation and contested matters asserting violations of the automatic stay and discharge injunction.
  • Defended financial institutions, including credit card issuers, mortgage lenders and auto lenders in litigation, asserting claims under Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Truth in Lending Act.
  • Defended various financial institutions and entities in bankruptcy litigation matters including preference claims, turnover actions, fraudulent conveyance and transfer claims, and other insolvency disputes.
  • Advised financial institutions in compliance of consumer bankruptcy notification and claim filing process.
  • Defended financial institutions in litigation by the Office of the United States Trustee asserting claims under the Bankruptcy Code related to consumer bankruptcies.
  • Advised auto lending, mortgage lending and credit card issuing financial institutions on compliance with the Bankruptcy Code, Fair Debt Collection Practices Act, Fair Credit Reporting Act, Truth in Lending Act, Real Estate Settlement Procedures Act, and other consumer compliance statutes.

Memberships

  • Member, Texas State Bar
  • Member, Virginia State Bar
  • Member, American Bankruptcy Institute

Awards & Recognition

  • Selected for inclusion as a Virginia “Rising Star,” Bankruptcy, Virginia Super Lawyers, 2008-2012, A description of the selection methodology can be found on Super Lawyers’ webpage
  • Selected for inclusion as a Virginia “Super Lawyer,” Bankruptcy, Virginia Super Lawyers, 2013-2015. A description of the selection methodology can be found on Super Lawyers’ webpage

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