About Us

Home About Us

About Our Firm

Phillip A. Norman, the firm’s founder, has over thirty years of experience in handling consumer default, real estate and mortgage default matters. Mr. Norman is also an experienced trial and appellate lawyer in state and federal courts. He maintains a “distinguished” Martindale Hubbell rating.

The firm provides legal counsel in the states of Indiana and Wisconsin. The firm is a full-service provider of legal services for depository and non-depository institutions, including banks, credit unions, mortgage servicers, institutional investors, and private firms. The firm’s staff and organized operational processes have helped the firm see continued growth. The firm’s goal is to continue to efficiently resolve our clients’ conflicts while remaining compliant with jurisdictional requirements and guidelines. Our clients’ rights remain well protected along with maximizing recovery for the client. A well-designed case management system offers an efficient, reliable, and compliant tool for the team to handle our client portfolios proficiently.

Phillip A. Norman

Based on his more than thirty years of experience as a civil trial and appellate lawyer, Phil insists that the firm mindset go beyond that of the typical high-volume default practice. Along with teaching the management of daily operations in the default practice, Phil trains firm lawyers to recognize and resolve legal issues in an aggressive, competent, and ethical manner, knowing that this approach always serves the client’s needs. Phil’s philosophy for what a law firm should be is captured in the inspired ancient statement that “the law is good if one uses it properly”. — Read more »

Georgetown College – B.A. History (Cum Laude) – 1984
Valparaiso University School of Law – Juris Doctor – 1987

State of Indiana – 1987
United States District Courts, Northern and Southern Districts of Indiana
Member, Mortgage Bankers Association
Member, American Legal & Financial Network
Martindale Hubbell Distinguished rating

Kelly M. Smith

After graduating law school in 2010, Kelly Smith began her career as corporate counsel for a credit union, gaining experience in regulatory compliance, foreclosure and collections. In 2015, she joined a multistate default servicing firm, where she handled a significant caseload of contested matters through all stages of litigation. Kelly’s blend of in-house and law firm experience has provided her with a unique perspective on the challenges faced by mortgage servicers and their investors. — Read more »

Carthage College – Bachelor of Arts in Psychology and Music – 2007
Hamline University School of Law – Juris Doctor – 2010

State of Wisconsin – 2010
United States District Courts, Northern and Eastern and Western Districts of Wisconsin
Menominee Tribal Courts
Named Wisconsin Rising Star in Creditor Debtor Rights: Business by publishers of Super Lawyers (2018 & 2019)

Vanessa Epperson

Vice President, Operations
Vanessa has been working in the default servicing industry for 10 years in the areas of sales, paralegal, management and operations positions. Vanessa currently oversees day-to-day operations and process flow to ensure goals are met while formulating plans for improved operational efficiency, monitor worker productivity, and working with leadership teams to develop strategies to meet future needs.

Kathryn MacLean

Vice President, Client Relations
Kathryn MacLean serves as the firm’s liaison with existing clients and as the builder of relationships with potential new clients. Kathryn recognizes that a client’s time is a valuable commodity. When meeting with clients, Kathryn, not only wants to develop business for the firm, but desires to provide immediate and exceptional service to clients.

Kathryn is uniquely qualified to fulfill this mission. She has over 20 years of experience on the operations side of default servicing. Kathryn possesses a diverse background in Loss Mitigation including Bankruptcy, Foreclosure, Fraud, Collections, Six Sigma (Blackbelt) and Operations leadership. Kathryn attended Brigham Young University in Provo Utah and studied economics.

On a personal level, Kathryn is an outdoor adventure seeker, Bikram Yoga practitioner, snow skier, and animal lover.