Scott defends providers of consumer financial services against claims brought under a shifting landscape of federal and state laws.
Clients he assists include installment lenders, auto finance companies, mortgage servicers, mortgage lenders, banks, credit unions and debt collection companies. Scott defends these companies in class actions, individual lawsuits, arbitration and against government enforcement actions. In addition to this work, Scott regularly represents clients in a wide range of general commercial litigation matters, including breach of contract claims and alleged business torts. He also represents clients on appeal, having briefed cases in state appellate courts and supreme courts and in multiple circuits of the federal court of appeals.
At every level and every step of litigation, Scott focuses on the defense of consumer financial services providers. He has particular experience with claims under state and federal consumer protection laws such as:
- Telephone Consumer Protection Act (TCPA)
- Truth in Lending Act (TILA)
- Fair Debt Collection Practices Act (FDCPA)
- Fair Credit Reporting Act (FCRA)
- Real Estate Settlement Procedures Act (RESPA)
- Illinois Consumer Fraud and Deceptive Business Practices Act
Although Scott thoroughly enjoys litigating these claims, he recognizes that it often makes sense for the client to avoid the courtroom. Scott always conducts an initial case assessment to determine how to best proceed from the client’s perspective.