OUR PRACTICE

RCO Legal, P.S. is dedicated to representing creditors in consumer, mortgage, and commercial finance. With flagship services in foreclosure, bankruptcy, eviction, replevin, title curative and related litigation, RCO also provides loss mitigation, REO closing, regulatory compliance and educational services to our clients in 12 states. RCO is proudly celebrating 20 years of service to the financial industry and is approved by our clients to process loans of all types including HUD, VA, Fannie Mae and Freddie Mac.

Foreclosure

Our experienced judicial foreclosure attorneys provide representation to both large and small financial institutions. We increase our attorney and staff productivity and compliance through strategic technology use.

Bankruptcy

Our bankruptcy attorneys have deep roots in their local jurisdictions and a comprehensive understanding of the requirements to defend adversary litigation, file motions for relief from stay, proofs of claim, and reaffirmation agreements. Because RCO Legal utilizes a fully automated process, both staff and attorneys are able to quickly respond to client status requests within a variety of reporting systems.

Eviction

Our experienced attorneys and support staff are well trained to negotiate an eviction in the most positive and judicious manner possible. No matter the course of the eviction, we work with judges, opposing counsel, and the unrepresented borrower to avoid lengthy litigation that would otherwise lead to unrecoverable costs to the REO servicer.

Mediation/Loss Mitigation

Our mediation attorneys have been at the forefront of the development of each of the foreclosure mediation programs developed in Nevada, Oregon, and Washington. We insure compliance with HAMP, servicer guidelines, and other loss mitigation requirements such as CFPB, and our mediation attorneys have effectively represented financial institutions in thousands of foreclosure mediations.  We also handle requests for pre-foreclosure meetings, drafting loss mitigation agreements, and non-mediation loss mitigation negotiations involving short sales, modifications, cash-for-keys, and deeds-in-lieu of foreclosure.

Title Curative
Our attorneys effectively, handle title reformation and declaratory actions, quiet title, rescissions, title insurance claims, covenant enforcement, code violation resolution and related litigation.
Litigation
Our litigation attorneys successfully handle routine and complex mortgage, real and personal property litigation on behalf of our servicer and investor clients. We efficiently handle judicial foreclosures and breach of contract claims as well as successfully manage more complicated wrongful foreclosure defenses, RESPA claims, Consumer Protection Act (CPA) claims, CFPB claims, fraud claims, unfair trade practices defenses, title disputes, REO contract disputes and bankruptcy litigation. We also have a practice focused on vehicle lenders and recovery and liquidation of personal property assets.

Our skilled attorneys have experience representing lenders and foreclosure trustees in civil trial and appellate practice in state and federal jurisdictions. Other areas of expertise include:

-Commercial Receiverships

-HOA and COA related litigation

-Surplus Funds

-Demand letter preparation

-Suit on Notes

-Deficiency Judgments

-Wage Garnishment

Legislative Tracking and Compliance
Our firm plays an interested and integral role in the formation of laws and court rules. Our attorneys are involved at national, state and local levels whenever there is an attempt to change a law, regulation, ordinance or court rule that would adversely affect our clients. We are also skilled at delivering targeted regulatory compliance advice to our servicing and mortgage banking clients.
REO Closings