“RCO Prides itself in having a broad range of experience. Our firm is led by managers with a wide range of experience, not solely focused in one area. We provide our clients with quality, experience, and integrity in every interaction.”


Janaya L. Carter

Managing Shareholder

“We promote a culture of excellence, and have for over 40 years. One of the things we do differently is to keep our clients advised of law and regulation changes in our states, as well as actively lobby for changes that are positive and fair.”


Stephen Routh

Founding Partner and Shareholder

“Our experienced staff is one of our biggest assets. Our staff knows how to respond to and exceed client expectations, how to efficiently move referrals from start to completion and how to provide a quality work product at competitive rates.”


James K. Miersma

Senior Counsel, Bankruptcy and Litigation


“The focus of my replevin team is to secure collateral for our clients in the most time sensitive and cost effective manner.”


Kimberly M. Raphaeli

Senior Counsel, Litigation and Replevin


“We provide our clients with experience,
professionalism and exceptional service.”


Susana Chambers

Senior Associate, Mediations and Litigation


“We have the best people & the best technology.”


John Thomas

Senior Counsel, Oregon Litigation


“RCO’s litigation services aggressively protect our client’s assets, whether it be mortgages, auto loans, commercial lines of credit, or credit cards. ”


Jason A. Savlov

Senior Counsel, California Litigation


“We have the best team! Our staff has decades of experience in default processing and can easily recognize trends in their practice areas, allowing them to provide prompt resolution of issues as they arise.”


Charity Bridgewater

Supervising Attorney – Southeast Foreclosure


Expert attorneys providing comprehensive default legal services.

Washington Supreme Court Important Case Law Update Affecting Pre-Foreclosure Possessory Rights in Washington State

By John McIntosh (USFN Member OR, WA) RCO Legal, P.S. The Washington Supreme Court held on July 7, 2016 that deed of trust provisions allowing a lender to “enter, maintain, and secure” a defaulted borrower’s property before foreclosure are unenforceable under...
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RCO Legal P.S. Attorneys Receive AV-Preeminent Peer Review Ratings from Martindale-Hubbell

Kimberly M. Raphaeli (left) and Jason A. Savlov (right) receive highest possible rating for ethical standards, legal abilities. BELLEVUE, Wash., March 1, 2016 /PRNewswire-USNewswire/ — RCO Legal P.S., the leading and farthest-reaching mortgage banking legal services...
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Here at RCO Legal, P.S. we go beyond standard legal services. We do more. Our bold work has shaped new laws and earned landmark decisions in favor of our clients that have transformed the industry. We continually look for inventive ways to expand our offerings — including being the pioneering firm to introduce automation practices to streamline our services — all with our clients’ interests in mind.

At RCO we have the reach you need, the ingenuity you want, and the experience you deserve. With more than 40 years in mortgage banking practice, RCO combines broad regulatory experience with a serious understanding of the financial services industry. Default legal services are our specialty and we work diligently to achieve impactful results for our clients. We have a deep bench of seasoned attorneys who are leaders in foreclosure, bankruptcy, eviction, replevin, mediations, loss mitigation, title curative, litigation, and REO closings services. Many of our attorneys are rated Martindale-Hubble AV Preeminent®, the gold standard for excellence in their field. We provide the largest geographical reach of any law firm serving the mortgage default industry. From individual lenders to the largest financial institutions in the world, from Alaska to Georgia, our clients rely on us to protect their valuable interests. Contact us today and discover complete legal default service solutions tailored to your needs.