Patrick S. Tracey, Partner
Bowditch & Dewey
An experienced litigator, Patrick Tracey focuses his practice representing and counseling clients in connection with class actions, regulatory investigations, financial fraud and consumer finance matters for financial institutions. He represents institutions in a variety of mortgage-related litigation, including claims and defenses under the federal Truth-in-Lending Act (“TILA”), Fair Credit Reporting Act (“FCRA”), the Real Estate Settlement Procedures Act (“RESPA”), Servicemembers Civil Relief Act (“SCRA”), the Fair Debt Collection Practices Act (“FDCPA”), the Telephone Consumer Protection Act (“TCPA”) and state consumer protection statutes. He manages large cases and directs litigation strategy to reduce exposure for institutions with a cost-effective approach to avoid risk, safeguard data and protect reputation. Patrick also advises clients involving investigations and enforcement actions by government and regulatory agencies.
Joseph Apatov, Member
McGlinchey Stafford PLLC
Joseph “Joe” Apatov is a Member in McGlinchey’s Consumer Financial Services Litigation practice group. Based in Fort Lauderdale, Joe litigates on behalf of financial services clients in both state and federal courts, with an emphasis on defending banks, mortgage lenders and servicers, automobile finance companies, and private-label card issuers. He has worked extensively with several major consumer protection statutes, including the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and the Real Estate Settlement Procedures Act (RESPA), as well as related state laws. A substantial portion of Joe’s practice involves consumer class action litigation.
Robert J. Im, Associate
McGlinchey Stafford PLLC
Robert Im’s practice focuses on commercial litigation and consumer financial services litigation. His client base includes businesses and financial institutions such as national and state banks, consumer finance companies, mortgage loan servicers and issuers, and other providers of consumer financial services. Robert’s primary focus is defending entities and businesses in lawsuits brought by consumers in state and federal courts.
He also handles matters involving fraud, wrongful foreclosure, negligence, and breach of contract. Robert assists clients with contested foreclosures, real estate and title issues, and claims of federal and state regulatory violations. He represents banks and financial institutions in disputes involving state and federal consumer protection, and lending laws, and has experience defending claims arising under the Truth in Lending Act (TILA), Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and California’s Rosenthal FDCPA.