Research Attorney for Justice Margaret J. Morris, California Court of Appeal, District IV, Div. II. Articles published in the United Trustees Association (UTA) Quarterly, 1983 - present; UTA E-News; California Mortgage Association (CMA) Quarterly, 1999 - present; Servicing Management Magazine; California Land Title Association Newsletter; and many other publications. Licensed California Real Estate Broker. Frequent lecturer and speaker in all aspects of real estate, business law, foreclosure, workout and modification agreements, distressed sales, exchanges and sales, ethical and legal aspects of real estate transactions, mortgage lending, state and federal regulation of lenders and/or real estate licensees. Former instructor of business law and continuing education courses at DeAnza Community College, Cupertino, CA. Former continuing education instructor in real estate at San Jose State University, San Jose, CA. Has testified before the California State Legislature on foreclosure laws. Frequently testifies as an expert witness in civil and criminal matters regarding foreclosure, lending and other real estate matters. Frequent speaker and panelist at various real estate and foreclosure courses and seminars, hosted by, e.g., the Santa Clara County Bar Association, the United Trustees Association, the California Mortgage Bankers Association, REOMAC, and the California Mortgage Association. Former President, current Corporate Counsel and Director of the United Trustees Association. Past director and legislative chair for the California Trustees Association, Bay Area Chapter. Corporate Counsel for the California Mortgage Association (CMA). Northern California Super Lawyers, Super Lawyer in real estate, 2004-2006, 2008-2010.