Laszlo Ladi is an experienced trial attorney who primarily represents clients in the financial services industry. He cares deeply about his clients, strives to understand their needs, and works together with his clients to identify and solve problems.
Laszlo Ladi is an associate in Severson & Werson’s San Francisco office, where he practices in the financial services practice group.
Mr. Ladi primarily represents banks, lenders, loan servicers, and other financial institutions in consumer finance litigation in both single-plaintiff and class-action lawsuits. He has expertise in resolving matters involving mortgage servicing and foreclosure issues, real-property title and REO issues, auto-finance litigation, creditors’ rights issues, identity theft and unauthorized transactions, litigated third-party subpoenas, and bank operation issues. Mr. Ladi has extensive experience with claims brought under the Electronic Funds Transfer Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Real Estate Settlement Practices Act, Telephone Consumer Protection Act, Truth in Lending Act, as well as numerous state-specific consumer finance statutes.
In addition, Mr. Ladi also has substantial experience representing non-financial services clients in business disputes and other complex civil litigation. Some of the diverse matters he has worked on include representing shareholders in post-closing M&A disputes, defending a national energy company in a steam-field royalty dispute, representing investors defrauded in a Ponzi scheme involving a tax-advantaged investment in a renewable energy product, and defending a family-owned fixed base operator and aviation school in a lawsuit over an abandoned takeover.
As part of his commitment to his clients, Mr. Ladi works hard to stay at the forefront of the industries in which he is involved. He frequently writes about and advises clients on developments in the law. For example, Mr. Ladi regularly posts to Severson & Werson’s Consumer Finance Weblog.
Mr. Ladi earned his law degree and a LLM in taxation from the University of San Diego in 2009. Earlier, he earned his Bachelor of Arts in Political Science and a minor in Art History from the University of California Berkeley in 2005.
Outside of work, Mr. Ladi enjoys spending time with his wife, son, and dog. He also enjoys outdoor activities and a good history book.
Areas of Practice
Financial Services
- Alternative Dispute Resolution
- Automobile Finance
- Class Actions Defense
- Fair Credit Reporting Act
- Fair Debt Collection Practices
- Lender Liability Defense
- Mortgage Banking
- Regulatory Compliance and Enforcement Actions
- Telephone Consumer Protection Act (TCPA)
- Unfair Business Practices (UDAP) Litigation
Education
- University of San Diego School of Law, J.D., 2009
- University of San Diego, LLM Taxation, 2009
- University of California, Berkeley, B.A., Political Science, 2005
Admissions
- California
- U.S. District Court Southern District of California
- U.S. District Court, Central District of California
- U.S. District Court, Eastern District of California
- U.S. District Court, Northern District of California
Results
- Sacramento Superior Court Grants Summary Judgment in Favor of Loan Servicer and Investor
- Federal Court Grants Summary Judgment Motion By Mortgage Servicer On Loan Modification Claims
- Summary Judgment Granted in Favor of Mortgage Servicer, Investor, and Trustee
- Bank Prevails on Summary Judgment on Loan Modification Claims
- Investor and Mortgage Loan Servicer Prevail in Jury Trial In Alameda Superior Court
- Mortgage Servicer Prevails on Summary Judgment on Wrongful Foreclosure Claims
- California Homeowner’s Bill of Rights Trial Victory for Firm
- Federal Jury Unanimously Rejects HBOR Claims Brought Against National Mortgage Servicer
Publications
- Attorneys Scott Hyman and Laszlo Ladi Co-Author Article on California’s New Debt Collection Licensing Scheme and Mini-CFPB Legislation
- Ladi, L. (2012). “Voluntary Contributions In Short Sales”, CMBA, 4-16.
- Ladi, L. (Winter 2008). Hedge Funds: The Case Against Increased Global Regulation in Light of the Sub-prime Mortgage Crisis, 5 B.Y.U. Int’l L. & Mgmt. Rev. 99
Consumer Finance Posts
- Eighth Circuit Rejects FDCPA Claims Based on Assignment of Collection Agreement
- DFPI Issues Notice of Proposed Rulemaking on Debt Collection License Application and Requirements
- CFPB Issues Interim Final Rule Regarding Debt Collectors Providing Written Notice of CDC Eviction Moratorium
- CFPB Updated Small Entity Compliance Guide for December 2020 Debt Collection Rule
- 8th Circuit Court of Appeals Holds No Ipso Facto Violation of the FDCPA Where the Debt Collector Fails to Meet Evidentiary Burden in Underlying Collection Action
- CFPB Proposes to Delay Effective Date of 2020 Debt Collection Rules by 60-Days
- District Court (New Jersey) Holds Name of Debt Collector Visible Through Glassine Window Not a Violation of the FDCPA Where Plaintiff Argued an Internet Search Would Disclose The Debt Collector Was in The Debt Collection Business
- 3rd Circuit Court of Appeals Upholds Summary Judgment Ruling In Favor of Law Firm and Holds Letter Inviting to Call “Eliminate Further Collection Action” Does Not Run Afoul of FDCPA
- Court of Appeals for the Ninth Circuit Holds Plaintiff Need Not Prove Debt Collector Knew Debt Was Time-Barred When Collection Suit Filed, But Debt Collector Can Invoke Bona Fide Error Defense as to the Statute of Limitations
- California Court of Appeal Holds Attorney Fees Incurred in Enforcing a Judgment May Be Recovered if the Judgment Includes an Award of Attorney Fees Pursuant to Contract
- California DFPI Issues Invitation for Comments for CCFPL Rulemaking
- California’s DFPI Begins to Use its New Powers and Hire New Staff
- CFPB Issues Small Entity Compliance Guide for October 2020 Debt Collection Rule
- 6th Circuit Court of Appeals Joins 7th Circuit in Rejecting “Benign” Language Exception to 15 USC § 1692f(8), Contrary to the 5th and 8th Circuits.
- CFPB Issues December 2020 Debt Collection Final Rule
- California’s New DFPI Provides Additional Details About Upcoming Rulemaking During CCFPL and DCLA “Listening Session”
- California’s New DFPI Announces “Listening Session” for December 8, 2020 on Implementation of CCFPL
- DFPI Conference Call Provides Timeline for Licensing of Debt Collectors and Registration of Newly Covered Persons Under Mini-CFPB
- California Governor signs AB 1864 (California Mini-CFPB) and SB 908 (Debt Collection Licensing Act)
- California’s Mini-CFPB Bill on the Governor’s Desk
- California’s Proposed Mini-CFPB Resurfaces
- California Appears to Table Mini-CFPB for Now