- Banking & Financial Services
- Business and Tort Litigation
|Contact Info||Telephone: 904.346.5553|
|University ||University of Miami, B.A., English, summa cum laude, 2006|
|Law School||University of Florida Levin College of Law, J.D., summa cum laude, 2012|
|Admitted||U.S District Courts: Northern District of Florida, Middle District of Florida, and Southern District of Florida|
Bar Association Membership
• The Florida Bar
Awards and Distinctions
• Managing Editor, Florida Law Review
• Member, Journal of Law and Public Policy
• Vice President, Law Association for Women
• Book Award in Criminal Procedure - Adversary Systems
• Phi Beta Kappa
Publications and Presentations
• Author, A Progressive Response: Judicial Delegation of Authority to Federal Probation Officer, Note, 64 Fla. L. Reb. 817 (2012)
Previous Professional Experience
During law school, Ms. Owens served as a Certified Legal Intern with the Bradford County State Attorney's Office where she was able to try cases and conduct hearings under the supervision of an Assistant State Attorney. Prior to law school, she worked for the Florida Department of Corrections in the Probation and Parole Office in Putnam County, Florida.
Documents by this lawyer on Martindale.com
Usury in Florida: Exceptions to Civil Penalties
Scott Jonathan Kennelly,Janet C. (Jacy) Owens, December 29, 2014
When a lender “willfully” charges interest in excess of statutory limits, civil usury penalties may apply. However, Florida’s usury statutes provide for two exceptions to the application of civil usury penalties.
Usury in Florida: Penalties
Scott Jonathan Kennelly,Janet C. (Jacy) Owens, November 12, 2014
There are two “tiers” of penalties for violation of the Florida usury statutes, one civil and the other criminal, and both are severe. Civil penalties usually involve forfeiture of the entire interest charged (or contracted to be charged), such that only the principal balance may be...
Usury in Florida: Are Late Fees Usurious?
Scott Jonathan Kennelly,Janet C. (Jacy) Owens, August 15, 2014
When borrowers default under the terms of their loans, lenders often, in accordance with the loan documents, can assess late fees against the borrower. When lenders assess late fees around the time of or after a loan matures or is accelerated, however, the imposition of late fees has the potential...
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