Stephen Routh is a shareholder and founding partner of RCO Legal, P.S. Stephen represents lending institutions, major investors, and creditors concerning loan delinquencies, foreclosure, bankruptcy, and unsecured debt collection. A graduate of the University of Hawaii, Manoa (B.S. with High Honors, 1972) and the McGeorge School of Law at the University of the Pacific (J.D. 1975), Stephen is one of the leading voices nationwide in the mortgage lending and default servicing industry. Stephen has been a member of the USFN from 1988 to the present. Stephen’s involvement in the USFN has included three terms on the USFN Board of Directors from 1991 to the present; President-Elect from 1997 to 1998; President from 1998 to 2000; Immediate Past President from 2000 to 2002; and Chair of the Liaison Committee 2000 to 2002.