“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 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


“What separates RCO Legal from the rest is our ability to assist our clients across multiple states in multiple practice areas. We are able to provide our clients with reliable, efficient and prompt legal assistance in twelve states.”


Darrien Jones

Southeast Operations Manager


“My title resolution group brings common sense business strategies to bear on complex title resolution issues. We pride ourselves in quick, communitive and successful results for all our clients’ needs”


Calvin Knickerbocker

Senior Associate Attorney


“RCO’s litigation team has a track record of success in state and federal courts, including motions practice and trials. We have achieved published decisions in the WA Supreme Court, ID Supreme Court, each division of the WA Court of Appeals, and the Ninth Circuit Court of Appeals.”


Joshua Schaer

Senior Associate Attorney


Expert attorneys providing comprehensive default legal services.

Defenses Raised to a Foreclosure Action and an Unlawful Detainer Action: Case Law Updates from: Washington

By Joshua Schaer, Senior Associate Attorney at RCO Legal, P.S. Is Trustee Sale Purchaser’s Successor-in-Interest able to Pursue Unlawful Detainer (or Must an Ejectment Action be Brought)? On February 14, 2017 the Washington State Supreme Court heard oral argument in...

Oregon Changes Statutory Notice Requirements Concerning Deed of Trust Actions

By Calvin Knickerbocker, Attorney at RCO Legal, P.S., Portland, Oregon Oregon Senate Bill 381 will become effective on January 1, 2018. The primary change concerns which addresses must be used when sending statutorily required notices: the servicing agent or entity...

Case Law Update Clarifying the Statute of Limitations for Non-Judicial Foreclosure in Idaho

Idaho Supreme Court By Lewis Stoddard, Attorney at RCO Legal, P.S., Boise, Idaho Case Law Update Clarifying the Statute of Limitations for Foreclosure in Idaho. On May 27, 2017 the Idaho Supreme Court clarified when the foreclosure statute of limitations begins to...

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.