We are experts in this business because we have learned it from our clients. We listen to, study with and work right alongside those whose lives and businesses we champion. In turn, we harness our clients’ expertise to advocate with judges, juries and adversaries, wielding game-changing knowledge and insights about the business, legal, structural and financial issues facing our clients and the honest, principled decisions that their people make day in and day out. At Severson & Werson, your business is, quite literally, our business.

We very intentionally have trained generations of lawyers to be equally well steeped in the history and modern evolution of consumer and commercial lending. Just as we were there during the proliferation of branch banking in the mid-20th century, and the blossoming of interstate banking and lending in the 1990s, we are at the forefront of developments—and associated risks, challenges and opportunities—in on-line financial services and FinTech.

As a continuing commitment to the industry, Severson & Werson’s dedicated attorneys regularly take the institutional knowledge that our banking clients have entrusted to us and bring that back to them by providing complimentary in-house seminars and small-group training, through one-on-one advice, arranging for a seconded counsel, and counseling and in any number of other ways custom tailored to our clients’ needs.

Commercial Litigation

When a business borrower fails and chooses to blame the lender, Severson & Werson attorneys are prepared to defend the claims. The Firm has tried dozens of “lender liability” and debt denial cases to defense verdicts before judges, juries and arbitrators in jurisdictions throughout the United States and we have brought scores more to successful pretrial conclusions.

Class Action Defense

No firm nationwide is better qualified than Severson & Werson to defend consumer class action cases.  Our lawyers obtained a successful jury verdict for one of the largest consumer cases to ever go to trial in California, and are at the forefront of unfair business practice litigation, having pioneered successful defense theories that are now routinely imitated by other defense firms.

Branch Operations Counseling

Severson & Werson counsels commercial and retail banks, auto finance firms and mortgage lenders regarding a vast array of operations issues. This work is as personal as it is technical, and calls for judgment and experience and prompt, sure-footed responsiveness. That is just what we provide.

Collections (Bankruptcy & Replevins)

The Firm regularly represents creditors regarding realization on collateral. We have handled a high volume of matters involving claim and delivery actions and consumer bankruptcy relating to the sale and lease of vehicles.

Commercial Loan Documentation/Dealer “SOT” and Work-Outs

The Firm represents auto finance companies in dealer loan originations and real estate loans. The Firm is also very active in handling dealer defaults and workouts, and enforcing the lender’s rights and remedies.

Retail Litigation

The Firm has handled virtually every type of claim for its auto finance clients, including those involving direct and indirect lender liability issues. The Firm regularly assists its auto finance clients against claims filed by consumers indirectly under State and Federal “holder” rules, or directly arising from origination, disclosure, or debt servicing theories.