42 W. 44th Street
New York NY 10036
Basic Chapter 7 and Chapter 13 bankruptcy filings
I chose consumer finance and bankruptcy twice. First, when I decided to become a lawyer, I intended to specialize in consumer finance to help people in their dealings with banks, retailers, and other large institutions. When I began to practice securitization, structured finance and workouts, I felt that I was helping individual consumers by making financing reliably available at a lower cost. I chose it most recently after I left that practice (which was no longer helping individual consumers), to return to my long-term interest. It was also a natural development of my financial practice, changing the focus to the consumers who were always the foundation of the financial markets.
What do you like best about your career?
I enjoy working with my clients to solve problems, improve their situation, and achieve their goals. I also enjoy the intellectual stimulation of finding a solution to a problem that works for everyone. And I enjoy feeling that what I'm doing makes a difference, in a small way to the economy and in a large way to my clients.
My experience in financial market practice has made me very efficient, able to focus on both the details and the goals, and familiar with the financial system in all its aspects, especially consumer lending.
My life experience is probably even more important: I identify with my clients because I'm one of them. The daughter of a laundryman, I went to college and law school on scholarships and student loans. I was the sole support of my family of five children, so I know what it is to live from paycheck to paycheck and stretch to provide for my children. Now that my children are grown and I no longer have a mortgage, I'm glad to be able to help other people realize their financial goals.
I help make the system work for my clients, instead of against them. I give every client the benefit of my years of experience in the securities, securitization and structured finance industries, enabling them to achieve the best possible solution to their problems and to understand the statistically driven business model of their creditors, which makes their bankruptcy or workout a win/win solution for both sides instead of a failure. I identify with my clients and thoroughly explore their situation, researching the law to achieve the best possible outcome while keeping costs as low as possible.
I am a sole practitioner. Each client deals directly with me and has my undivided attention.
Before opening my own firm in 2007, I was the General Counsel of the bond insurers CIFG and ACA Capital and Deputy General Counsel of FitchRatings, one of the top three rating agencies. I was also Associate General Counsel and then Global Securitization Coordinator for Citigroup. I began my legal career as an associate with Sullivan & Cromwell LLP.