Edward Chang
Edward Chang

Edward Chang


Tel 619.487.0786
Fax 619.696.9269
San Diego

Edward Chang focuses on representing mortgage lenders and servicers in litigation arising under various federal and state statutes and consumer protection laws, including the Fair Debt Collection Practices Act (FDCPA), Real Estate Settlement Procedures Act (RESPA), and Truth in Lending Act (TILA).

Mr. Chang has substantial experience defending clients in both state and federal courts against wrongful foreclosure claims, individual foreclosure avoidance actions, third-party purchasers at HOA foreclosure sales, and petitions for judicial review of foreclosure mediation arising from the Nevada Foreclosure Mediation Program.

He has also represented the court-appointed receiver in actions brought by the Federal Trade Commission.

Mr. Chang is fluent in Mandarin.

Representative Matters

  • Assisted the court-appointed receiver in FTC enforcement actions to conduct the initial investigation, prepare the reports, initiate actions to recover assets for the receivership estate, interview individuals, review documents to determine the scope of the operation
  • Acted as local counsel in an antitrust case in Nevada against a major pharmaceutical company, including preparing motions to stay discovery, researching legal arguments to support a motion to dismiss, and preparing discovery responses 
  • Successfully briefed appellate matters before the U.S. Court of Appeals for the Ninth Circuit and the Nevada Supreme Court, including affirmance of a district court's order dismissing borrower's appeal of bankruptcy court decision and affirmance of a trial court's order dismissing an action for lack of personal jurisdiction 
  • Represents special servicers in the appointment of a receiver over property where borrower committed events of default
  • Represents lenders pursuing guarantors for breach of personal guaranty
  • Provided legal counsel in review of servicer compliance with an OCC Consent Order related to foreclosure practices 
  • Represented a loan servicer against the False Claims Act 
  • Represented a former political candidate against claims from a vendor of the campaign 

Pro Bono Experience

As part of the Las Vegas Initiative, Mr. Chang joined other Ballard Spahr attorneys in Law Vegas to organize and staff a legal clinic for homeless people and start a child advocacy practice. For their efforts, Nevada Legal Services named Ballard Spahr Pro Bono Law Firm of the Year in 2010.

Judicial Clerkships/Externships

Judicial clerk, Hon. Johnnie B. Rawlinson, U.S. Court of Appeals for the Ninth Circuit, 2009-2010

Judicial extern, Hon. Barbara M. Scheper, Los Angeles Superior Court, 2007


Contributing author, Strategic Alternatives for and Against Distressed Businesses, Thomson Reuters, 2014 edition

Speaking Engagements

"The CFPB: Recent Compliance Cost Report and Enforcement Actions," Risk Management Association, January 9, 2014

Loyola Law School Los Angeles (J.D. 2009)
Executive Technical Editor, Loyola of Los Angeles International Law

Emory University (B.S. 2001)
Yearbook Editor-in-Chief


Fluent in Mandarin