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

Debt Collection Laws in Massachusetts
Massachusetts debt collection laws restrict collectors' actions and also govern collection lawsuits.
Florida Consumer Collection Practices Act
The Florida Consumer Collection Practices Act prohibits both debt collectors and creditors from using deceptive and abusive tactics when collecting debts.
Indiana Foreclosure Laws and Procedures
Learn how an Indiana foreclosure works, including preforeclosure steps, foreclosure procedures, and homeowners’ rights under both state and federal laws.
What Is the California Fair Debt Collection Practices Act?
The Rosenthal Act is California's fair debt collection practices law.
Should I Consolidate Credit Card Debt?
If you’re struggling to pay off multiple credit cards, consolidating your debt could allow you to reduce your interest rate and lower your monthly payments. But consolidating debt isn’t always the best option.
Consumer Protection: State Offices and Best Consumer Protection Websites
If you're the victim of a consumer scam, get help from a federal, state, or local consumer protection agency. You can also learn about consumer rights online.
Appeals Court Kills the Payday Lending Rule—and Perhaps Other Consumer Protection Actions
October 19, 2022. A federal appeals court ruled that the CFPB has been unconstitutionally funded since it was created. And, in the process, the court vacated the Payday Lending Rule.
Colorado Foreclosure Laws and Procedures
Learn how a Colorado foreclosure works, including preforeclosure steps, foreclosure procedures, and homeowners’ rights under both state and federal laws.
Colorado Fair Debt Collection Laws
Colorado debt collection laws prohibit collectors from using abusive and unconscionable tactics.
Biden’s COVID-19 Relief Bill Includes $10 Billion for States to Help Homeowners Cope With the Pandemic
March 11, 2021. The latest coronavirus–relief package includes money to help people keep their homes during the pandemic.