INTERSECT

1. Comprehensive Content: Our educational lineup delves into many important issues impacting default servicing. From basic concepts to advanced strategies, we’ve got you covered. Whether you’re a seasoned professional or just starting out, there’s valuable content for everyone.
2. Trends and Forecasting: Attendees will gain a deeper understanding on several default servicing topics, identifying emerging trends and anticipating future challenges. It’s a chance to sharpen your skill sets, and stay ahead of the curve.
3. Positive Collaboration: INTERSECT fosters collaboration between foreclosure, bankruptcy, and other default servicing departments. Engage with legal counsel, bankruptcy trustees, mortgage servicers, investors, service providers, and other industry stakeholders. Together, we’ll strengthen our collective impact.
4. Expert Insights: Immerse yourself in cutting-edge content curated by the nation’s leading creditors’ rights attorneys and other industry leaders. Get ready for expert-led sessions that energize and educate.
5. CLE Credit: Attorneys can earn Continuing Legal Education (CLE) credit, enhancing your professional development.
6. Community: INTERSECT is where connections are made, and knowledge is shared.  

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WHO CAN ATTEND?

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CLIENT ATTENDANCE OPPORTUNITIES

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YOUNG PROFESSIONALS DISCOUNT
 

ALFN JPEG MEMBER DISCOUNT
ALFN JPEG members receive 20% off the event registration fee if they are attending with another fully paid registrant from their same firm/company. There is no limit on the number of JPEG discounts that may be used for the same firm/company (for each fully paid non-JPEG member registrant, a JPEG discount may be used).  ALFN Members (Law Firm/Foreclosure Trustee & Associate Members) use promo code Member_JPEG_20, and Servicers/GSE's/Investors use promo code Client_JPEG_20.    

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EVENT PRICING
 

• ALFN Law Firm/Foreclosure Trustee Member - $1000 Early Registration Rate (expires October 22). $1250 after October 22.
• ALFN Associate Member (Service Provider) - $1000 Early Registration Rate (expires October 22). $1250 after October 22.
• Client (Mortgage Servicer/Lender/GSE/Investor) - $0 (complimentary)(scholarships available for travel expenses)
• Chapter 13 Trustee - $1000 Early Registration Rate (expires October 22). $1250 after October 22.
• Rating Agency - $1000 Early Registration Rate (expires October 22). $1250 after October 22. 
• Non-ALFN Member (Law Firm or Foreclosure Trustee) - $1500 Early Registration Rate (expires October 22). $1875 after October 22.
• Non-ALFN Member (Service Provider) - $1500 Early Registration Rate (expires October 22). $1875 after October 22.

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• When HUD’s CWCOT guidance evolves and FHA issues new bidding mandates, law firms and servicers must adapt at speed—often while the ground is still shifting. This session uses the FHA bidding changes as a candid case study of how our industry handled a fast-moving policy shift, where we struggled, and how to build stronger, repeatable change-management mechanics going forward. Panelists will walk through the end-to-end lifecycle of implementing change—intake, impact assessment, client communications, SOP updates, training, QA/metrics, and post-mortems—and share practical artifacts firms can reuse. We’ll then expand to other accelerated changes affecting default operations most recently, and will look ahead to what is coming next, and how to prepare your playbook now—before the next mandate hits.
  • Moderator: 
    • Brian Goldberg, Esq., Partner, Gross Polowy LLC
  • Speakers:
    • Candace Russell, VP, Post Sale, Carrington
    • Jeff Weisserman, Esq., Managing Partner & General Counsel, Trott Law 
    • John Ansell, Esq., Attorney, Orlans Law Group
    • Melissa Black, First Vice President, Default Servicing, PennyMac

• Foreclosure Breakout Session 1 – The HELOC Surge: Legal Landmines, Servicing Struggles & Fraud-Fighting Tactics in a Booming Market – Grand Ballroom​
  • HELOCs are back—and booming. With originations surging and due diligence standards loosening, lenders, servicers, and legal teams face a perfect storm of fraud risk, regulatory shifts, and servicing challenges. Join us as we break down the trends, the traps, and the tactics you need to navigate this rapidly evolving market.
    • Moderator: 
      • Katie Kramer, Chief Operating Officer, Kluever Law Group​
    • Speakers: 
      • Chris Travis, Director, Mortgage Market Engagement, Experian
      • Clay Kellett, VP Mortgage Servicing Contact Center, BOK Financial
      • Jacquelyn Cayon, Vice President, Sourcing | Global Supplier Services, J.P. Morgan
      • John Steele, Esq., Managing Partner, Steele LLP
      • Michael Rak, Esq., Partner, Lender Legal, PLLC
      • Nicki Compary, Esq., Managing Attorney, Texas, De Cubas & Lewis, PA
         
• ​Bankruptcy Breakout Session 1 – When the Stay Isn’t so Automatic – Embassy Ballroom​
  • In this session, the panel will begin with a brief discussion of what the stay is under 11 USC §362. Then, the speakers will dive into when the stay does and does not apply including nuances and hazards that arise with pro se filers. More specifically, the applicability of 11 USC §362(c)(3) will be examined. Some of the questions that the panel will explore are whether plan language surrendering property is enough or whether an order following a noticed motion is necessary. Additionally, the panel will discuss whether the stay applies to third-party filers and non-traditional filers.
    • Moderator:
      • Kris Zilberstein, Esq., Partner – Managing Bankruptcy and Operations Attorney, ZBS Law
    • Speakers:
      • Jeff Fraser, Esq., Senior Partner, Bankruptcy, ALAW
      • Julie O'Hara, Managing Director of Operations, PRP Advisors 
      • LeAnn Covey, Esq., Shareholder/Senior Vice-President, Client Relations, Compliance, and Bankruptcy, Clunk Hoose Co. LPA 
      • Renee Parker, Esq., Managing Attorney, The Mortgage Law Firm 

• Foreclosure Breakout Session 2 – Everything We Learned About Ethics is from a Little Golden Book – Grand Ballroom
  • What can a Little Golden Book teach us about professional responsibility? More than you think. In this lively ethics session, we’ll explore ten classic Little Golden Books and uncover the legal lessons hidden in their pages. From honesty and diligence to conflicts of interest, each story offers a fresh, memorable take on the rules that shape our profession.​
    • Moderator: 
      • Kim Hammond, Esq., Managing Attorney – Foreclosure, Keith D. Weiner & Associates
    • Speakers:
      • Deanne Stodden, Esq., Partner, Messner Reeves 
      • January Taylor, Esq., Managing Partner, McMichael Taylor Gray 
         
• Bankruptcy Breakout Session 2 –  Loss Mitigation in Bankruptcy – Embassy Ballroom
  • The purpose of this panel will be to provide a broad coverage of loss mitigation in the bankruptcy context. The panel will discuss how mediation operates in the bankruptcy space, stipulations in litigation and bankruptcy practice, any updates on the new partial claim payment supplement loss mitigation put into effect by the FHA, as well as general loan modifications.  The panel will also discuss the new rule changes effective in December and how those will increase loss mitigation in the bankruptcy space.  We will also review any current case law covering the topic.
    • Moderator: 
      • Shari Barak, Esq., Chair – Bankruptcy Practice Group, LOGS Legal Group
    • Speakers:
      • Daniel Ross, Esq., Managing Attorney of Bankruptcy, Ghidotti Berger
      • Hilary Bonial, Esq., Managing Director, Bonial & Associates 
      • Marcus Pratt, Esq., Attorney, Korde & Associates 
      • Miranda Jakubec, Esq., Partner, Davidson Fink

• Foreclosure Breakout Session 3 – State-by-State Legal Updates Shaping Creditors' Rights – Grand Ballroom​
  • Stay ahead of the curve as foreclosure laws and litigation continue to evolve across the country. This session brings together seasoned attorneys from California, Florida, Illinois, New York and Pennsylvania, to deliver concise, high-impact updates on some of the most significant legal developments affecting default mortgage servicing. Learn which states are driving change, what recent court decisions mean for creditors’ rights, and how to navigate emerging compliance challenges in today’s dynamic legal landscape.
    • Moderator:
      • David Rodstein, Esq., Partner, Tromberg, Miller, Morris & Partners
    • Speakers:
      • Florida – David Byars, Esq., Associate Attorney, Kass Shuler Law Firm
      • California – Erica Jones, Esq., Partner, BDF Law Group
      • Illinois – Jenna Rogers, Esq., Attorney Director, Client Engagement, MDK
      • New York – Owen Robinson, Esq., Attorney - Litigation, Margolin, Weinreb & Nierer, LLP
      • Pennsylvania – Stephen Hladik, Esq., Partner, Hladik, Onorato & Federman, LLP
         
• Bankruptcy Breakout Session 3 – Bankruptcy Case Law Updates – Embassy Room
  • The purpose of this session is to discuss recent bankruptcy cases that deal with residential mortgages or present issues impacting the servicing of residential mortgages during a bankruptcy case. This session would discuss case law updates from chapter 7, 11, 13, including cases involving the automatic stay, late filed claims, and abusive filers.
    • Moderator:
      • Mike McCormick, Esq., Senior Partner, Bankruptcy, McCalla Raymer Leibert Pierce
    • Speakers:
      • Beverly Burden, Esq., Chapter 13 Trustee, Eastern District of Kentucky
      • Mike Bates, Esq., Senior Managing Attorney, Bankruptcy Compliance, RAS Legal Group
      • Patrick Hruby, Esq., Senior Associate Attorney, Brock & Scott 

• ​AI is no longer theory—it’s transforming mortgage default practice today. In this hands-on session, top creditors’ rights firms will pull back the curtain with live demos of real prompts and results, showing how they leverage AI securely and ethically. From extracting key data to drafting policy updates, see practical use cases, learn guardrails for confidentiality, and walk away with tips to make AI work for your firm.
  • Moderator:
    • Eyal Leeder, Chief Revenue Officer, AskTuring.ai
  • Speakers:
    • Adam Friedman, Esq., Managing Partner, Friedman Vartolo, LLP
    • Erica Fujimoto, Director of Enterprise Consulting, Affinity Consulting
    • Jeremy Lipford, Director of New England Operations, Korde & Associates, PC
    • Tricia Osgood, New Development Product Manager, CaseMax

• ​This session will offer insights on the state of the U.S. economy and foreclosure market as the year comes to a close, and what to expect in 2026.  The panel will focus on the default servicing market, with information on mortgage delinquencies; how housing market dynamics will impact the distressed housing market; what to expect in terms of defaults and foreclosures; and disposition strategies for properties in the foreclosure process.
  • Moderator:
    • Rick Sharga, President & CEO, CJ Patrick Company
  • Speakers:
    • Michael Merritt, SVP, Head of Default & Customer Care, BOK Financial
    • Nolan Turner, Managing Director, Carrington 
    • Robin Gardner, Manager, Default Management, loanDepot