ALAW

𝗡𝗲𝘄 𝗙𝗶𝗻𝗖𝗘𝗡 𝗔𝗻𝘁𝗶-𝗠𝗼𝗻𝗲𝘆 𝗟𝗮𝘂𝗻𝗱𝗲𝗿𝗶𝗻𝗴 𝗥𝘂𝗹𝗲𝘀 𝗳𝗼𝗿 𝗥𝗲𝗮𝗹 𝗘𝘀𝘁𝗮𝘁𝗲 The landscape is changing. On March 1, 2026, new FinCEN regulations will transform how residential real estate transfers are reported, and your organization needs to be ready. Join the American Legal & Financial Network "ALFN" Advocacy Committee for a comprehensive webinar that cuts through the complexity.   𝗪𝗵𝗮𝘁 𝗬𝗼𝘂'𝗹𝗹 𝗟𝗲𝗮𝗿𝗻: • The evolution of FinCEN oversight and why these regulations matter now • Detailed breakdown of the new residential real estate reporting requirements • Direct impact on default servicing, legal professionals, and industry stakeholders • Practical guidance for compliance in your day-to-day operations This isn't just another regulatory update; it's a fundamental shift in how our industry operates. Whether you're navigating compliance as a servicer, advising clients as legal counsel, or shaping policy as a regulator, this session delivers the strategic insights you need.   𝗘𝘃𝗲𝗻𝘁 𝗗𝗲𝘁𝗮𝗶𝗹𝘀: Wednesday, December 10 12:00–1:15 PM CST 𝗘𝘅𝗽𝗲𝗿𝘁 𝗣𝗮𝗻𝗲𝗹: Moderator: Joseph A Camillo Jr., Esq. Speakers: Brian Goldberg, Esq., Natalie Grigg, Esq., Michael J. Schroeder, Esq.   Don't wait until March to understand these changes. Register now to ensure your team is prepared. https://lnkd.in/eGctEPMm   #ALAW #ALFN #ALFNWebinar #AdvocacyCommittee #FinancialRegulations #AMLCompliance #RealEstateLaw #DefaultServicing

This #Thanksgiving, we're reflecting on the partnerships, achievements, and moments of growth that have shaped this year. We're grateful for our incredible clients and the trust you place in us, as well as the dedicated ALAW team who come together each day to make it all possible. Wishing everyone a warm and joyful Thanksgiving surrounded by the people who matter most. #HappyThanksgiving

We're excited to share that ALAW's Bankruptcy Partner, Jeffrey Fraser, will be moderating a session at the American Bankruptcy Institute Winter Leadership Conference this December! 𝗦𝗲𝘀𝘀𝗶𝗼𝗻 𝗗𝗲𝘁𝗮𝗶𝗹𝘀: "Deconstructing the Code: Spotlight on § 362"  𝗗𝗮𝘁𝗲: December 5, 2025 𝗧𝗶𝗺𝗲: 3:15–4:15 PM Section 362 of the Bankruptcy Code is one of the most frequently litigated—and often misunderstood—provisions in bankruptcy practice. This session will take a deep dive into the automatic stay, exploring its scope, application, and termination. 𝗪𝗵𝗮𝘁 𝗬𝗼𝘂'𝗹𝗹 𝗟𝗲𝗮𝗿𝗻:  • Key distinctions among the subsections of § 362  • How they interact with other provisions of the Code  • Effective strategies for obtaining relief from stay  • Grounds for relief beyond lack of adequate protection  • How to navigate procedural and evidentiary requirements efficiently and cost-effectively 𝗙𝗲𝗮𝘁𝘂𝗿𝗲𝗱 𝗣𝗮𝗻𝗲𝗹𝗶𝘀𝘁𝘀:  • Moderator: Jeffrey Fraser, Bankruptcy Partner, Albertelli Law  • Caleb Chaplain, Chaplain Dufraine PLLC  • Kara K. Gendron, Mott & Gendron Law  • Hon. John T. Gregg, U.S. Bankruptcy Court (W.D. Mich.) Will you be attending? We'd love to connect! 👉 Learn more and register: https://www.abiwlc.org/ #ABIWLC #BankruptcyLaw #Section362 #AutomaticStay #ALAW #ThoughtLeadership #BankruptcyPractice

ALAW is on the agenda at American Legal & Financial Network "ALFN" Intersect 2025 where industry leaders are taking the stage to share expert insights on the most critical issues in default servicing and legal practice. Join moderator Kris Zilberstein, Esq. (ZBS Law) and speakers Jeffrey Fraser, Esq. (ALAW), Julie O'Hara (PRP Advisors), LeAnn Covey, Esq. (Clunk Hoose Co., LPA) and Renee M. Parker, Esq. (The Mortgage Law Firm) for “When the Stay Isn’t So Automatic.” This session explores the scope and nuances of the §362 stay, including its application to pro se, third-party, and non-traditional filers under 11 USC §362(c)(3). Don’t miss your chance to connect and learn at the 14th Annual ALFN INTERSECT (FC+BK), where default servicing and legal expertise converge.   📅 10:00–11:00 AM, November 19, 2025 📍 Embassy Ballroom, The Statler | Dallas, TX 🔗 Learn more: www.alfn.org/intersect #ALFNINTERSECT #ALFN #DefaultServicing #Foreclosure #Bankruptcy #MortgageServicing #ALAW

Today, as we observe Veterans Day in the U.S. and Remembrance Day in Canada, we honor and thank the courageous individuals who have served our nations along with the families who support them. We are grateful for the sacrifices made by our veterans and recognize the strength, resilience, and dedication they bring to our communities and workplaces. Together, let’s honor the memories of those who served and remember the importance of supporting our veteran community. Thank you for your service! #VeteransDay #RemembranceDay

🔔 𝗟𝗲𝗴𝗮𝗹 𝗔𝗹𝗲𝗿𝘁: 𝗠𝗮𝘀𝘀𝗮𝗰𝗵𝘂𝘀𝗲𝘁𝘁𝘀 𝗖𝗼𝘂𝗿𝘁 𝗕𝗿𝗼𝗮𝗱𝗲𝗻𝘀 𝗖𝗼𝗻𝘀𝘂𝗺𝗲𝗿 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻𝘀 𝗶𝗻 𝗩𝗲𝗵𝗶𝗰𝗹𝗲 𝗥𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗶𝗼𝗻 𝗗𝗶𝘀𝗽𝘂𝘁𝗲𝘀 A recent ruling in LaValley v. Skyline Recovery Service Inc. (D. Mass. June 24, 2025) marks a pivotal development for lenders, servicers, and recovery companies operating in Massachusetts. The federal court denied summary judgment in a wrongful repossession case, allowing a jury to determine whether a debtor’s verbal objection—without physical confrontation—constitutes a 'breach of the peace.' This decision expands consumer protection standards under Article 9 of the UCC and underscores the importance of halting repossession activities once a borrower clearly objects. Ignoring verbal protests may now expose lenders and agents to liability under state and federal law. According to S&P Global Mobility, national repossession volumes are up 23% year‑over‑year, while CFPB reports show a surge in consumer complaints tied to wrongful repossessions. These trends heighten compliance pressure for lenders across all markets. ALAW recommends immediate policy reviews and refresher training for recovery vendors to ensure compliance with evolving UCC standards and the Massachusetts Consumer Protection Act. For guidance on compliance with Massachusetts repossession standards, contact the ALAW New England team at www.alaw.net or call (781) 269-6501. For additional information contact Joseph A Camillo Jr. This publication is for informational purposes only and does not constitute legal advice. #LegalUpdate #ConsumerProtection #MassachusettsLaw #RepossessionLaw #LenderLiability #FinancialServicesLaw #DefaultServicing #ComplianceAlert #RecoveryServices #ALAW

We’re honored to sponsor the 6th Annual VFSAC Golf Classic on November 3rd. The Veterans Financial Services Advisory Council (VFSAC) supports Veterans and their families through Operation Homefront, a program that delivers financial assistance and family support to military households year-round. You can help extend that impact. Your donations help military families meet essential needs and build stronger futures. 👉 Learn more https://lnkd.in/dVBRBMvr #VFSAC #GolfClassic #Veterans #MilitaryFamilies #OperationHomefront #ALAW

𝗪𝗲’𝗿𝗲 𝗛𝗶𝗿𝗶𝗻𝗴: 𝗖𝗿𝗲𝗱𝗶𝘁𝗼𝗿’𝘀 𝗥𝗶𝗴𝗵𝘁𝘀 𝗔𝘁𝘁𝗼𝗿𝗻𝗲𝘆 — 𝗡𝗲𝘄 𝗬𝗼𝗿𝗸 If you have deep experience in mortgage foreclosure and collections, this is a strong opportunity to join a respected, multi-state law firm that represents the nation’s largest financial institutions. 𝗪𝗵𝗮𝘁 𝗬𝗼𝘂’𝗹𝗹 𝗗𝗼 • Handle high volume creditor’s rights, foreclosure, and collections matters • Lead discovery, depositions, and conflict resolution efforts • Engage in appellate work and interpret TILA, RESPA, FDCPA, Bankruptcy Code • Represent clients in court; travel as needed • Help grow the firm’s presence and build industry relationships 𝗪𝗵𝗮𝘁 𝗬𝗼𝘂'𝗹𝗹 𝗕𝗿𝗶𝗻𝗴 • Member in good standing of NY State Bar; eligibility for NY federal district & bankruptcy courts • 5+ years’ experience in mortgage foreclosure, collections, creditor’s rights • Strong litigation, writing, and client-facing skills • Knowledge of New York legal system • Reputation for integrity and judgment 𝗪𝗵𝗮𝘁 𝗬𝗼𝘂'𝗹𝗹 𝗥𝗲𝗰𝗲𝗶𝘃𝗲 • Competitive salary • Comprehensive benefits • Opportunity to join a respected, multi-state firm • Culture of service, community, and legal excellence 🔗 Apply today and grow your career with a firm committed to innovation, reputation, and results. https://lnkd.in/eSMcVGBN

We’re pleased to share that Joseph A Camillo Jr will represent our team at the EasCorp ALM Academy 2025, taking place October 22–23 in Waltham, MA. This two-day program, hosted in partnership with ALM First, brings together credit union professionals committed to strengthening financial strategy through Asset Liability Management (ALM). Joseph’s participation underscores our commitment to supporting credit unions with informed guidance and strategic insight in today’s evolving financial environment. ◾ Key areas of focus at ALM Academy include: ◾ Balance sheet performance and improvement ◾ Interest rate and liquidity risk management ◾ Economic trend analysis for strategic decisions ◾ Financial modeling and stress testing tools ◾ Regulatory and economic updates We look forward to the insights Joseph will bring back to strengthen our support for credit union partners. 👉 If you plan to attend, connect with Joseph to discuss ALM strategies, balance sheet optimization, or collaboration opportunities within the credit union space. Learn more about the event: https://lnkd.in/eeNKUExG #CreditUnions #ALM #AssetLiabilityManagement #ALAW #FinancialStrategy #RiskManagement #EconomicOutlook #BalanceSheetManagement #ProfessionalDevelopment #ALMFirst #EasCorp

Congratulations to Joseph A Camillo Jr on his appointment as Vice Chair of the American Legal & Financial Network "ALFN" Advocacy Committee. Joseph will serve a two-year term as Vice Chair, followed by a two-year term as Chair through December 31, 2029, a tremendous responsibility and honor. The ALFN Advocacy Committee is the Association’s key voice on litigation, government relations, legislative, and regulatory policy. It tackles the industry’s most pressing challenges, including: ◾ Federal and state legislative developments ◾ Regulatory rule-making and implementation ◾ Complex litigation across foreclosure, REO, title, bankruptcy, class actions, and creditors’ rights This committee plays a critical role in: ◾ Building transparency between servicers, legal counsel, and regulatory bodies ◾ Guiding interpretation and enforcement of new servicing regulations ◾ Leading Congressional outreach to educate lawmakers on industry realities Joseph’s leadership and deep experience will strengthen this forum for impactful dialogue and positive change across the mortgage servicing industry. Well deserved, Joseph, we look forward to your leadership and the work ahead.   #ALFN #Advocacy #MortgageServicing #DefaultServices #LegalLeadership #GovernmentRelations #IndustryImpact