Stefanie H. Jackman is the leader of Ballard Spahr's Debt Collection Team and a member of the firm's Fair Lending and Blockchain Technology and Cryptocurrency Teams. She devotes her practice to assisting financial services institutions facing state and federal government investigations and examinations, counseling them on complex compliance issues, as well as defending them in individual and class action lawsuits. Stefanie represents clients across the financial services industry, including banks and nonbanks, mortgage banking lenders and servicers, debt collectors and buyers, third-party service providers, medical revenue cycle service providers, credit and prepaid card companies, and auto lenders. She regularly advises her clients on issues arising under an array of federal and state consumer financial laws, including UDAP/UDAAP statutes, FDCPA, FCRA, TCPA, EFTA, SCRA, and TILA. Stefanie also brings her litigation and enforcement experience to bear in assisting clients in designing new products and processes, including product structure, advertising, online application flows, underwriting, and collection and loss mitigation strategies.
Services
- Litigation
- Consumer Financial Services
- Consumer Financial Protection Bureau (CFPB)
- Mortgage Banking
- Class Action Litigation
- TCPA
- Fair Lending
- Education
- Health Care
- Blockchain Technology and Cryptocurrency
- Fintech and Payments
- Debt Collection
- Real Estate and Construction Litigation
- Distressed Real Estate
- Real Estate Finance
- California DFPI
Experience
Representative Matters
- Providing regular advice to creditors, debt buyers, debt collection agencies, and debt collection law firms on compliance issues related to the Fair Debt Collection Practices Act, Telephone Consumer Protection Act, Fair Credit Reporting Act, Electronic Funds Transfer Act, and other applicable federal and state laws
- Designed collections policy and strategy for a new online-delivered installment loan product
- Conducting compliance-related diligence in connection with debt portfolio sales and acquisitions
Professional Highlights
Professional Activities
Consumer Relations Consortium (CRC) Steering Committee
Receivables Management Association (RMA) Education Committee
American Bar Association
Barrister, The Lamar American Inn of Court, affiliated with Emory University School of Law
Recognition & Accomplishments
Named by Georgia Super Lawyers as a Rising Star (Litigation), 2012-2018
Recognized as one of the "Top 25 Attorneys in Collections" by Collection Advisor, May/June 2018
Recognized as one of the "25 Most Influential Women in Collections" by Collection Advisor, September/October 2016
Speaking Engagements
Speaker, "Dealing With Regulators" and Attorneys General Filling the Void: Are the States the New CFPB?" Crossroads of Compliance and Performance Summit, Princeton, September 13, 2018
Speaker, "Anti-Money Laundering and the Securities Industry," North American Securities Administration Association, September 12, 2018
Speaker, "Anti-Money Laundering and Trust Companies," South Dakota Trust Association, July 25, 2018
Publications
Co-author, "Buyer of Defaulted Debt Does Not Collect Debts 'Due Another' Under FDCPA Debt Collector Definition, SCOTUS Rules," Consumer Finance Law Quarterly Report, Vol. 70 Nos. 3 & 4, 2017
Co-author, "CFPB's Systemic Regulation of Four Industries: Enforcing Broader Changes Via Consent Order," Washington Legal Foundation's Legal Backgrounder, July 15, 2016
Co-author, "FTC Settlement with Another Debt Collector Over Alleged FDCPA Violations," Conference on Consumer Finance Law (CCFL) Quarterly Report, Vol. 68.2-3
Related Insights
Credentials
Education
Emory University School of Law (J.D. 2006, with honors)
Articles Editor, Emory Law Journal; Member, Order of Barristers
University of Vermont (B.A., magna cum laude, 2003)
Member, Phi Beta Kappa; John Dewey Scholar
Languages
Spanish (proficient)
Admissions
Georgia
U.S. District Court for the Northern District of Georgia
U.S. District Court for the Middle District of Georgia
U.S. Bankruptcy Court for the Northern District of Georgia
U.S. Court of Appeals for the 11th Circuit