Amy Loftsgordon

Attorney · University of Denver Sturm College of Law

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

How Motor Vehicles Are Repossessed
Learn what the repo agent can and can't do when repossessing your car.
Notices You’ll Get in a California Car Repossession
In California, the repossessor must send you certain notices after a car repossession.
Car Repossession Laws in California
What you need to know about vehicle repossession laws in California.
Will I Owe Money After My Car Is Repossessed in Florida?
Find out if your car lender can sue you for a deficiency after car repossession in Florida.
HOA Liens and Foreclosures: An Overview
If you fail to pay homeowners' association dues or assessments, the HOA might foreclose.
What Does Pre-Foreclosure Mean?
How long is the pre-foreclosure process, and how does it work? It depends on state law and other factors.
How Long Does a Foreclosure Stay on Your Credit Report?
A foreclosure will stay on your credit reports for seven years.
When Do You Have to Leave Your Home When It's in Foreclosure?
In some instances, panicked homeowners leave their home after missing a few mortgage payments or once a foreclosure is initiated. However, you have the legal right to remain in your home until the foreclosure process is completed. This process can take a few months or, in some cases, as much as a year.
The Statute of Limitations in Foreclosure Actions
If a lender starts a foreclosure against you after the statute of limitations has expired, you can raise this issue as a defense.
Hawaii HOA and COA Foreclosures
If you fail to pay your HOA or COA assessments in Hawaii, the association can get a lien on your property and might foreclose on your home.