Amy Loftsgordon


Amy Loftsgordon is a legal editor at Nolo, focusing on foreclosure, debt management, and personal finance. She writes for and and has been quoted by news outlets that include U.S. News & World Report and Bankrate.

Amy received a B.A. from the University of Southern California and a law degree from the University of Denver. She is licensed to practice law in Colorado.

Working at Nolo. In 2012, Amy started writing for Nolo as a freelancer. Since that time she has written hundreds of articles covering foreclosure, credit issues, consumer protection matters, and more. In 2017, Amy became a full-time legal editor with Nolo. Her favorite part of the job is researching and analyzing dry, complicated materials—like state statutes, federal regulations, and court cases—and then explaining that information in a way that makes it palatable and engaging for the everyday reader.

Early legal career. Amy began her writing career while still in law school, producing case summaries for Wickstrom Legal, a small publishing company. After graduating from law school in 2001, Amy started working in foreclosure and related areas, first in her own law practice and then at a law firm where she was responsible for ensuring compliance with foreclosure and collections laws.

Foreclosure experience. Amy has drafted foreclosure-related training programs and loan servicing compliance procedures for various law firms, as well as written training manuals for collections operations in Panama. (She takes pride in the fact that she drove to and from Panama—around 7,000 miles roundtrip.) Amy also performed compliance reviews of foreclosures in multiple states as part of the national Independent Foreclosure Review.

Bank litigation support. In 2016, Amy began working for Investors Consulting Group (ICG), a firm that provides subject matter expert services in fields such as loan origination, credit underwriting, securitization, and mortgage servicing. She was instrumental in the preparation and writing of expert reports that were used in several lawsuits against banks and servicers accused of mishandling preforeclosure, loss mitigation, foreclosure, and REO processes. At ICG, Amy also conducted loan-level audits to assess servicer compliance with federal mortgage servicing laws, RESPA, TILA, SCRA, state foreclosure laws, and UDAAP/UDAP laws, as well as Making Home Affordable and FHA loss mitigation procedures.

Publications. Amy has updated several Nolo books, including The Foreclosure Survival Guide, Credit Repair, and Solve Your Money Troubles, and edited several others, like The Essential Guide to Handling Workplace Harassment & Discrimination, Working for Yourself, Starting & Building a Nonprofit, and the Legal Guide for Starting & Running a Small Business.

Articles By Amy Loftsgordon

Federal Regulators Seek to Limit Credit Card Late Fees
February 1, 2023. The Consumer Financial Protection Bureau plans to lower the amount credit card companies can charge for late fees.
Illegal Debt Collection Practices
The federal Fair Debt Collection Practices Act (FDCPA) makes illegal certain collection tactics used by collection agencies.
Significant Changes to the FDCPA in Late 2021
November 30, 2021. Starting November 30, 2021, debt collectors face new restrictions under changes to the federal Fair Debt Collection Practices Act (FDCPA).
Your Liability for Unauthorized Credit and Debit Card Charges
Learn how to limit your liability for unauthorized credit or debit card charges.
Should I Tell a Debt Collector to Stop Contacting Me?
Under the FDCPA, you can tell a debt collector to stop contacting you. But it's not always a good idea.
Handling Debt Collection Calls: Do's and Don'ts
Here's what you should—and shouldn’t—do when a debt collector calls.
Student Loan Relief: Canceling Your Loans
If you have federal student loans and you meet specific criteria, you might qualify for loan forgiveness.
How to Get Out of Default on Your Federal Student Loans
Learn about your options for getting out of default on your federal student loans.
Biden Extends Student Loan Payment Suspension Until January 2023, Forgives $10,000 (or $20,000) for Borrowers
August 24, 2022. The payment suspension for most federal student loans will now last through December 31, 2022. And many borrowers will get $10,000 or $20,000 in loan cancellation.
Are Foreclosures on the Rise?
After a two-year lull in 2020 and 2021, foreclosures in the United States are on the rise. But while foreclosure numbers are increasing, the figures are still below pre-pandemic levels.