Richard practices in the firm's Litigation Section and handles all types of civil litigation, with a concentration on financial services litigation. He has represented banks, insurance companies, mortgage companies, mortgage servicers and debt collectors across the country in all areas of statutory and common law litigation. Richard regularly represents mortgage lenders, mortgage servicers and financial institutions in actions alleging wrongful foreclosure, violation of Truth in Lending Act (TILA), Real Estate Settlement Practices Act (RESPA), Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA) and other federal statutes and regulations. He also has extensive experience in consumer bankruptcy litigation, class action litigation and enforcing arbitration agreements with corresponding litigation before various arbitration associations. Professional Memberships · Alabama Consumer Finance Association, Member · Mississippi Consumer Finance Association, Member Memberships & Bar Associations American Bar Association Alabama State Bar Mississippi State Bar Tennessee Bar South Carolina State Bar The Florida Bar Birmingham Bar Association |