Mr. Culhane is a partner in the Philadelphia office of Ballard Spahr and a member of its Consumer Financial Services Group and its Collection Documentation Task Force. He regularly counsels clients offering multi-state credit card programs, private student loan programs, and residential mortgage loan programs on servicing and collection issues. He also conducts assessments of debt buyer, collection agency, and collection firm compliance management systems and assists in the defense of collection-related class actions, attorney general investigations, and agency enforcement actions.
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