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

$50M in Mortgage Relief Available to District of Columbia Homeowners
June 22, 2022. Eligible homeowners in Washington, D.C. can get up to $120,000 to pay mortgage payments and other housing-related expenses.
Fannie Mae, Freddie Mac Announce New Credit Reporting System to Advance Housing Equality
June 8, 2022. Fannie Mae and Freddie Mac are making changes to help renters from disadvantaged communities become homeowners.
Biden Administration Canceling $6 Billion for Defrauded Student Loan Borrowers
June 22, 2022. The government is canceling billions in federal student loans for around 200,000 defrauded students.
Get Mortgage Relief From Your State’s Homeowner Assistance Fund Program
You might be eligible to get free money from the government to pay your mortgage and other housing-related costs through your state’s Homeowner Assistance Fund program.
Foreclosure Laws and Procedures in Washington, D.C.
In the District of Columbia, a foreclosure can be judicial or nonjudicial.
Homeowners' Association (HOA) Laws in Colorado
Learn about Colorado laws that can protect you if you live in a community that’s HOA-governed.
Mortgage Assistance Program for District of Columbia Homeowners
December 13, 2021. Washington, D.C. homeowners can get a 0% interest loan to cover missed mortgage payments and pay other home-related expenses through a local program.
Colorado HOA Foreclosures
If you fail to pay your HOA assessments in Colorado, the association can most likely get a lien on your property and might foreclose on your home.
If I'm Not on the Mortgage, Can the Bank Foreclose After My Spouse Dies?
If you're not on the mortgage and your spouse dies, you likely have options for keeping the home.
Avoid Owing the Bank Money After a Foreclosure
You might be able to avoid owing your lender a deficiency judgment after a foreclosure.