Janice Celotti

Senior Counsel
623.551.2860 | jcelotti@rcolegal.com


Janice is senior counsel at RCO Legal, P.S. Ms. Celotti received her Juris Doctorate degree from UCLA. She was a member of the UCLA Law Review and served as a judicial intern to the Hon. Francis C. Whelan of the U.S. District Court for the Central District of California.

Ms. Celotti has practiced financial institutions law for more than twenty-five years. She established the Law Office of Janice L. Celotti PLLC (“Celotti Law”) in Phoenix, Arizona in 2007, and represents mortgage lenders on a national level in mortgage fraud recovery actions. She has served on the Executive Committee for the MBA Quality Assurance Committee, and has also served as the Chair of the MBA’s Fraud and Ethics Subcommittee.

Ms. Celotti has provided investigation and case preparation services for approximately 75 major fraud cases, with the largest cases involving 175 transactions, and losses in excess of $10 million.

In 2008, Celotti Law established a pre-litigation claims resolution process on behalf of mortgage lenders for single loan misrepresentation claims against mortgage brokers. The fees for this program were paid exclusively from recoveries obtained, with no out of pocket charges to the lenders. In 2011, Celotti Law processed 1550 claims, successfully documented 158 settlements, and recovering in excess of $1.557 million, qualifying for recognition by The Arizona Republic Newspaper as one of Phoenix’s top diversity law firms for 2011.

Ms. Celotti is a frequent lecturer for The Mortgage Bankers Association, The Rutter Group, and various other legal and mortgage industry educational groups on topics involving mortgage fraud and civil litigation.


+J.D., UCLA School of Law, 1978
+ B.S., UCLA College of Letters and Sciences, 1975

Bar Admissions:

+Arizona, California, Washington

Professional Affiliations:

+Member of Executive Committee for MBA Quality Assurance Committee
+State and Federal Bars of Arizona, Washington, and California
+Lecturer, Mortgage Bankers Association of America, The Rutter Group, and California Continuing Education of the Bar
+Judge Pro Tem, Orange County Superior Court
+Member, Board of Directors, Olivecrest Abused Children’s Foundation, 1989 to 1992