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Avery Simmons regularly represents financial services and mortgage company clients with compliance matters, including risk management and remediation, state investigations, regulatory compliance, and operational implementation of legal guidelines. She provides daily risk assessment guidance to financial institutions, including banks, mortgage companies and debt collectors, on litigation matters and regulatory-related issues in both mortgage origination and servicing, including TRID, GLBA, TILA, RESPA, HMDA, CFPB, applicable state laws, and federal agency regulations.

Mortgage-Loan Modification Scam Ends with Serious ConsequencesA California man that operated as a high-level sales executive for a fraudulent residential mortgage-loan modification scheme will now spend several years in jail.

From 2009 to 2016, Mehdi Moarefian (aka Michael Miller) acted as a senior sales manager for a series of California-based companies that purported to help struggling homeowners under names such as

Indiana Court Weighs in on Deficiency JudgmentsThe Indiana Court of Appeals recently held that creditors must move for an in personam remedy in the original foreclosure judgment or forfeit their right to collect deficiency funds. In Elliott v. Dyck O’Neal, the bank foreclosed upon a borrower’s residence, and sought judgment against the borrowers for the full amount of the outstanding