Erin Bryan

Commercial Bankruptcy and Restructuring Experience:

• Lead associate in representation of lender and agent in connection with restructuring and prepackaged bankruptcy of public company.
• Lead associate in representation of continuing care retirement community debtor in prepackaged chapter 11 proceeding that restructured over $60 million in debt (including $41 million in refinanced bond debt).
• Lead associate in representation of indenture trustee as petitioning creditor in involuntary chapter 11 bankruptcy proceeding of correctional facility owner leading to restructuring of $55 million in bond debt.
• Lead associate in numerous matters involving representation of creditors with respect to commercial collections, bankruptcy proceedings, claims, executory contracts, preference defense, and fraudulent transfer defense.
• Representation of technology companies in out-of-court liquidations.

Consumer Regulatory and Default Experience:

• Served as lead counsel on regulatory and government inquiries into consumer bankruptcy servicing practices, including relating to court-filed documents (e.g., payment change notices, proofs of claim, responses to notices of final cure, post-petition fee notices) and mortgage servicing practices (e.g., payment application and escrow).
• Provided critical legal support in connection with resolution of mortgage servicing-related consent orders with the Office of the Comptroller of the Currency and the Federal Reserve.
• Served as Single Point of Contact for United States Trustee inquiries for a major financial institution.
• Advises mortgage servicers on issues relating to the implementation of CFPB mortgage servicing rules and credit reporting of bankruptcy accounts under the FCRA.
• Successfully managed national privacy remediation matter involving historic bankruptcy filing deficiencies that had exposed personally identifiable information prohibited by FRBP 9037.
• Directed and oversaw the development and implementation of fee matrices covering 94 jurisdictions.