Law Office of Lisa J. Espada
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Areas of Law and Practice
|Areas of Law||Areas of Practice|
|Bankruptcy||Bankruptcy Chapter 7, Bankruptcy Chapter 13, Bankruptcy Litigation, Bankruptcy Mediation, Consumer Bankruptcy, Debt Relief, Debtor Bankruptcy, Foreclosures, Fraudulent Conveyance, Insolvency, Personal Bankruptcy, Receivership, Repossessions|
|Consumer Law||Consumer Arbitration, Consumer Class Actions, Consumer Collections, Consumer Credit, Consumer Credit Compliance, Consumer Finance, Consumer Fraud, Consumer Litigation, Consumer Protection, Consumer Rights, Fair Credit Reporting Act|
|Debtor and Creditor||Debtor and Creditor Collections, Debtor and Creditor Remedies, Debtor and Creditor Reorganization, Debtor and Creditor Rights, Debtor and Creditor Workouts, Debtors Rights, Fair Debt Collection Practices Act|
|Litigation||Civil Litigation, Federal Civil Litigation, Federal Litigation, Trial Practice|
Principal | Law Office of Lisa J. Espada
2012 - 2016
Debt Collection Defense:
I provide affordable representation to consumers and small business owners who have been sued by creditors and debt buyers. Many cases are dismissed, and many others are settled for a small fraction of the original demand.
It is commonplace in debt collection litigation for consumer defendants to be unaware of a lawsuit or judgment until the creditor takes steps to collect the judgment. That is often the result of faulty service of process. I handle motions to set aside default judgments, so that my clients' rights are protected.
Consumer Protection Litigation:
I represent consumers in Fair Debt Collection Practices Act (FDCPA) actions, to achieve justice against careless and unethical debt collectors and debt buyers. I also represent consumers for claims under the Equal Credit Opportunity Act (ECOA) and the Consumer Legal Remedies Act (CLRA).
I handle consumer bankruptcy cases in the Northern District and Eastern District of California. I offer discounted fees to seniors (age 65 and over) and clients with disabilities. I enjoy helping my clients become debt-free.
J.D. | Golden Gate University
1995 - 1999
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Publications and Presentations
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San Francisco, California, San Francisco County
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