Justin litigates federal and state consumer lending matters and works with regulatory agencies in investigating fraud and compliance issues. A strategic thinker, he leverages his in-depth experience in the mortgage, loan, and service industries for the benefit of his clients.
Located in:
Areas of Focus:
Justin is a partner in the firm's Consumer Financial Services practice with experience as legal counsel in the mortgage origination and servicing industry. He works with financial institutions, mortgage lenders, loan servicers, and other credit-related entities throughout the U.S. on consumer finance litigation and compliance matters.
Justin litigates federal and state consumer lending claims, loan repurchase, and mortgage fraud matters, and works with state and federal regulatory agencies in investigating mortgage fraud and related issues. He also advises on operational compliance and regulatory issues and implementation of remediation strategies.
Prior to joining the firm, Justin served as legal counsel and advisor to senior management at Lehman Brothers' mortgage subsidiary, Aurora Loan Services LLC and its affiliated companies. He was responsible for Lehman's epurchase litigation portfolio and negotiated multimillion-dollar recoveries from loan sellers and mortgage brokers on claims of fraud and other commercial issues while managing counterparty risk and regulatory issues. He managed hundreds of loan repurchase and loan servicing litigation matters nationwide, and managed a claim portfolio in excess of $1 billion as a creditor in numerous bankruptcy actions. In prior work, Justin successfully represented mortgage companies, loan servicers, and commercial clients in litigation throughout federal and state courts in Arizona, California, Colorado, Oregon, Washington, and Wisconsin.
Representative matters may include engagements before joining Troutman Pepper.
Consumer Financial Services Law Monitor
07.31.23
Washington Becomes Latest State to Decide Bankruptcy Impact on Debt Collection Statute of Limitations
Articles + Publications
05.10.23
Colo. Bankruptcy Ruling Clarifies Debt Collection Rules
Consumer Financial Services Law Monitor
04.28.23
Colorado Supreme Court Confirms Bankruptcy Discharge Does Not Trigger Statute of Limitations to Recover Debt
Consumer Financial Services Law Monitor
09.02.22
Arizona Supreme Court Rules Recording a Notice of Sale Does Not Trigger Final Statute of Limitations Period to Collect Debt
Articles + Publications
09.02.22
Arizona Supreme Court Rules Recording a Notice of Sale Does Not Trigger Final Statute of Limitations Period to Collect Debt
Firm News
09.20.21
Troutman Pepper’s National Consumer Financial Services Practice Expands with Addition of Partner Justin Balser