Cheryl Howell Oswalt

Cheryl Howell Oswalt: Attorney with Sirote & Permutt, P.C.
  • Shareholder at Sirote & Permutt, P.C. (112 Attorneys)
  • 2311 Highland Avenue South, P.O. Box 55727, Birmingham, AL 35205
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Cheryl’s practice focuses on a wide range of general litigation matters, including business disputes and minority shareholder issues. She has years of experience in representing members of the mortgage banking industry and assists clients with various mortgage and title issues. Cheryl defends mortgagees and mortgage servicers from a variety of claims, including wrongful foreclosure, predatory lending, and TILA, FDCPA, and RESPA violations. She represents an Alabama electric cooperative with respect to its buildout of a major fiber network in Northwest Alabama.

Why did you become an attorney?

My father, Wyatt Howell, is an attorney, and I grew up being inspired (and am still inspired) by his work. He was, and still is, very passionate about serving his clients, helping those in need, and serving the community. The energy he exhibits in the practice of law and in his efforts to help his clients continues to inspire me to work hard and give my best efforts to help those who trust me to provide them with legal counsel.

What are you most proud of in your practice?

I am proud of the times in which I have been able to help clients achieve major goals, such as my work with Sirote’s Broadband Team. We have assisted Tombigbee Electric Cooperative in its buildout of a world-class, high-speed fiber to the home internet system in Northwest Alabama. I am also very grateful for the opportunity to have journeyed through difficult situations with many litigation clients, in which we were able to mitigate-and at times eliminate-certain risks of financial exposure to their businesses, and concluded in a manner that put them in a much better position than when we began.

What do you like to do in your spare time?

I enjoy spending time with my husband and two young sons, ages 7 and 3. As a family, we enjoy supporting our church, youth sports, and local theatre and, in the fall, watching college football.

What do you like to do in your spare time?

I enjoy spending time with my husband and two young sons, ages 7 and 4. As a family, we enjoy supporting our church, youth sports, and local theatre and, in the fall, watching college football.

Awards and Accreditations

•Mid-South Super Lawyers


•Mid-South Super Lawyers

•General Litigation (2017)
• Rising Star , (2017, 2018)

Outside the Office

•United Way of West Alabama (2018)
•Volunteer Allocation Team (VAT)
•Ronald McDonald House Charities of Alabama
•Board of Directors
•Samford University's Cumberland School of Law, Center for Children, Law, and Ethics
•Member, Advisory Board

Speeches and Publications

•Author, Auctioneer Liable for Breach of the Implied Warranty of Merchantability: General Contractor Is Not Allowed to Withhold Payment from Subcontractor, Alabama Law Weekly Update, November 14, 2013

•Author, Alabama Passes Legislation That Broadens the Powers of the Alabama Land Bank Authority and Allows for the Creation of Local Bank Authorities, The Counselor, September 2013

•Author, Expert Testimony Not Required in Case Against Pharmacy, Alabama Law Weekly Update, August 23, 2013

•Author, Supreme Court Issues Writ of Mandamus Partially Abating State Court Action, Alabama Law Weekly Update, May 2, 2013

•Author, Expounding Upon Alabama Law on Quotient Verdicts; Expiration of the Temporary Unlimited Deposit Insurance Coverage, Alabama Law Weekly Update, January 4, 2013

•Author, Romp with Reindeer and Brunch with Santa, Sirote Supports, December 2012

•Author, Alabama Workers’ Compensation Act: New Alabama Law Requiring More Information Before Recording a Conveyance Document in Alabama’s Probate Offices, Alabama Law Weekly Update, July 31, 2012

•Author, Like It or Not: The Impact of Social Media on Litigation, The Counselor, Summer 2012

•Author, Sirote Kicks Up Our Red Heels for Ronald McDonald House of Alabama, Sirote Supports, March 2012

•Co-author, UCC, HAMP, and More, inSight: Mortgage Law, December 2011

•Author, “Conservation Easements: An Effective Land Preservation Tool,” The Counselor, Winter 2009

•Co-author, “Responding to RACS: Limits on RAC’s Medical Record Requests and Proper Methods for Appealing RAC Audit Determinations,” inSight: Mortgage Law, Fall 2009

•Author, “Class Certification Granted in Case Against Lender for Collection of Prepayment Penalties and Other Fees,” inSight: Mortgage Law, April 2009

•Author, “Administration Announces Foreclosure Prevention Plan,” SMARTAlert, February 14, 2009

•Author, “Treasury Announces Financial Stability Plan,” SMARTAlert, February 12, 2009

•Author, “Senator Durbin Proposes Bankruptcy Bill Containing Mortgage Cram Down Provision as Part of $825 Billion Stimulus Package,” SMARTAlert, January 21, 2009

•Author, “Treasury Releases Term Sheet for S-Corporations, SMARTAlert, January 15, 2009

•Author, “Potential Requirements for the Release of the Remaining $350 Billion in Economic Funds,” SMARTAlert, January 9, 2009

•Author, “Treasury Issues $15 Billion in Capital Purchase Program Funds to Local Banks,” SMARTAlert, January 7, 2009

•Author, “Fast-Approaching Deadline for the FDIC's Temporary Liquidity Guarantee Program,” SMARTAlert, December 9, 2008

•Author, “Treasury Announces $20 Billion Investment to Support Lending Facility for Consumer Asset-Backed Securities,” SMARTAlert, November 26, 2008

•Author, “Treasury Revises Economic Bailout Plan,” SMARTAlert, November 13, 2008

•Author, “FDIC Extends Deadline for Financial Institutions to Participate in Federal Liquidity Guarantee Program,” SMARTAlert, November 7, 2008

•Author, “Alabama State Banking Department Releases Memoranda of Considerations Regarding Issuance of Stocks to Treasury,” SMARTAlert, November 4, 2008

•Author, “Washburn Represents Independent Community Bankers of America in Congressional Hearing on Regulation of Financial Services,” SMARTAlert, October 22, 2008

•Author, “Treasury Offers Capital to Community Banks and Other Financial Institutions,” SMARTAlert, October 21, 2008

•Author, “Treasury Announces Capital Purchase Program,” SMARTAlert, October 14, 2008

•Author, “Growing Number of Financial Institutions to Participate in Capital Purchase Plan,” SMARTAlert, October 10, 2008

•Author, “How to Identify and Sell 'Troubled Assets' in the Economic Bailout,” SMARTAlert, October 8, 2008

•Author, “President Bush Signs Bailout Legislation,” SMARTAlert, October 6, 2008

•Author, “House Passes Economic Bailout Legislation,” SMARTAlert, October 2, 2008

•Author, “House Rejects Bailout Legislation,” SMARTAlert, September 30, 2008

•Author, “New Protection for Social Security Numbers,” The Counselor, Spring 2007


•Nine Sirote Lawyers Named Shareholder
•Sirote Attorneys Crystal Holmes and Cheryl Howell Oswalt to Lead Commercial Real Estate Group CREW
•Sirote's Sklar & Ansley Coordinate Efforts to Bring Barons to Birmingham

Areas of Practice (6)

  • Mortgage Services
  • Real Estate
  • Conservation Easements
  • Environmental Investigations & Litigation
  • Financial Institutions
  • Technology, Media & Telecommunications

Education & Credentials

Contact Information:
205.930.5408  Phone
205.212.3885  Fax
University Attended:
University of Alabama, B.A., English, magna cum laude, 2002
Law School Attended:
Cumberland School of Law of Samford University, J.D., magna cum laude, 2006
Year of First Admission:
2006, Alabama


•Admitted to practice
•United States District Courts for the Northern, Middle, and Southern Districts of Alabama
•United States Tax Court
•Alabama Manufactured Housing Association
•Alabama State Bar
•American Bar Association
•Birmingham Bar Association
•Birmingham CREW (Commercial Real Estate Women)
•President Elect (2014)
•Sirote Mortgage and Asset Recovery Team (SMART)
•Editor, SMARTAlert, an electronic newsletter

Birth Information:
Florence, Alabama, January 28, 1980

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Birmingham, Alabama

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