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

When Can I Get a Mortgage After Short Sale?
If you have lost your home through a short sale and want to get another mortgage loan, you may be wondering how long you'll have to wait. Your credit will take a hit after a short sale, although possibly not as much as it would if you had lost your home through foreclosure. Nevertheless, a short sale
When Can I Get a Mortgage After Foreclosure?
Under the best of circumstances, you’re unlikely to qualify for reasonable home loan financing for at least two years after a foreclosure.
Louisiana HOA and COA Foreclosures
If you fail to pay your COA or HOA assessments in Louisiana, the association can get a lien on your property and might foreclose on your home.
Pennsylvania HOA and COA Foreclosures
If you fail to pay your HOA or COA assessments in Pennsylvania, the association can get a lien on your property and might foreclose on your home.
Oregon Foreclosure Laws and Procedures
Learn how an Oregon foreclosure works, including preforeclosure steps, foreclosure procedures, and homeowners’ rights under both state and federal laws.
Oregon Passes Mortgage Forbearance and Foreclosure Moratorium Law
June 30, 2020. A new state law in Oregon enables homeowners affected by the coronavirus national emergency to get a mortgage payment forbearance. The law also prohibits foreclosures during the emergency period.
Notices You’ll Get in a California Car Repossession
In California, the repossessor must send you certain notices after a car repossession.
Debt Collection Laws in Massachusetts
Massachusetts laws restrict debt collectors’ actions and govern collection lawsuits.
Federal and State Foreclosure Relief, Suspensions, and Moratoriums During the Coronavirus Crisis
Learn what relief, like a moratorium, might be available if you're facing a foreclosure during the coronavirus outbreak.
Ohio HOA and COA Foreclosures
If you fail to pay your HOA or COA assessments in Ohio, the association can get a lien on your property and might foreclose on your home.