William M. Rudow, Esquire has zealously defended bank clients' rights regarding, inter alia, consumer financial services regulation and compliance management since 1985. William "Bill" Rudow routinely advises his clients on regulatory matters including: FDCPA, RESPA, TILA, CRA, FCRA, ECOA (Reg B), CFPB's UDAAPs, SCRA (SSCRA), CLEC [Maryland], RISA [Maryland], CPA [Maryland], Bankruptcy Chapters 7, 13 & 11 (BAPCPA).
Mr. Rudow represents lenders in all matters relating to consumer and commercial finance transactions, loan documentation, collections, restructuring, workouts and bankruptcy, and the enforcement of creditor’s rights and remedies. The areas of practice specifically include banking and lending law, creditor rights in bankruptcy, commercial law, contract law and civil litigation. More specifically, Mr. Rudow performs the following legal services for his financial institution clients:
Consumer Collections: portfolios of auto paper, credit card paper, mortgage loans, foreclosures, miscellaneous secured and unsecured consumer bank loans;
Civil Litigation/Collections: mortgage loan fraud, employee fraud, check fraud, replevin, mortgage foreclosure, deficiency balance collection, fraudulent conveyance MD Com Law Art § Title 15, Subtitle 2, federal and state drug forfeiture of bank collateral, negotiable instrument,* identity theft fraud, bank debt collection (including subpoena document production compliance fees), credit card theft;
Commercial Collections: draft and negotiate custom loan workout documentation and strategies;
Civil Litigation/Defense: regulatory violation claim, consumer complaint litigation, federal and state drug forfeiture of bank collateral, Artisan lien Md Com Law Art Title 16, Subtitle 3, state Abandoned Vehicles Md Trans Art Title 25, Subtitle 2, negotiable instrument, safe deposit box;
Bankruptcy Motions: lift stay 11 U.S.C. § 362, cram down secured collateral value 11 U.S.C. § 506(a), avoid lien 11 U.S.C. § 522(f), determine the dischargeability of debt 11 U.S.C. § 523, dismiss or conversion 11 U.S.C. § 727, preference action 11 U.S.C. § 547, fraudulent transfer, 11 U.S.C. § 548; objection to plan 11 U.S.C. § 1325;
Regulatory Advice: responding to State Banking Commission & OCC complaints, legal opinions on consumer finance issues such as car loan financing Md Com Law Art Title 10, Subtitle 6 - RISA & Md Com Law Article Title 10, Subtitle 10 CLEC; and Bank Training: Bankruptcy, Complex Bankruptcy, Benefits of Civil Litigation/Recovery in Fraud Cases, Mortgage Loan Fraud Prevention, Effective Witness Etiquette, The Effective Use Of The Attorney Tool as a Recovery Tool, A Creditor's Basic Bankruptcy Workshop, What to Expect During Litigating Fraud Cases, Cases Eligible for Civil Litigation/Recovery, How to Prepare a Case for Litigation.
Mr. Rudow received his BA from the University of Maryland in 1983 and his JD from the University of Baltimore in 1986. Mr. Rudow is a member of the International Association of Financial Crimes Investigators (IAFCI) and was the Chair of the IAFCI Mortgage Fraud Task Force. Mr. Rudow was a member of the Bankruptcy Bar Association for the District of Maryland for over ten years. He also was a member of the Commercial Law League. Mr. Rudow was awarded the Ten Year Volunteer Award by the Maryland Volunteer Lawyer’s Service. Mr. Rudow is a Martindale Hubble AV rated attorney.