Kaufman and Canoles

Terry C. Frank

Member

Office: Richmond

T (804) 771.5745
F (888) 360.9092

tcfrank@kaufcan.com

Terry is a member in Kaufman & Canoles’ Richmond office, where she concentrates her practice in litigation and regulatory compliance issues related to real estate finance, mortgage banking and consumer finance. Her clients consist of large national banks and mortgage companies, regional and community banks, credit unions and other secured and unsecured lenders in complex commercial, class action and bankruptcy litigation. She works closely with in-house counsel to identify realistic solutions, provide pragmatic advice and has defended over 200 cases in state and federal courts. Terry’s bankruptcy practice includes representation of trustees, creditors’ committees, financial institutions and other creditors in adversary proceedings. She frequently negotiates workouts and settlements between lenders and borrowers. In addition, her trial practice includes a variety of corporate and civil matters, including shareholder and derivative claims, disputes relating to real property, title claims, mechanic’s liens, commercial landlord-tenant issues, eminent domain, land use and zoning issues.  

Terry is admitted to practice in all state, federal and bankruptcy courts in Virginia and North Carolina, as well as the Fourth Circuit Court of Appeals. She is often invited to discuss finance litigation topics, and has been privileged to appear as a guest speaker at the events of the American Conference Institute (National Forums on Residential Mortgage Litigation and Regulatory Enforcement as well as Consumer Finance Class Actions & Litigation), the National Business Institute, and state and local bar associations. Terry has also published works on finance, mortgage and consumer credit issues.

Practice Areas

Representative Matters

  • Represents lenders, servicers and investors in mortgage litigation and class actions related to issues arising under consumer foreclosure disputes (including HAMP, HARP and MHA programs), alleged fraudulent mortgages, loan documentation and servicing issues, FHA requirements, predatory lending, MERS and assignment issues, and claims brought pursuant to the federal Truth in Lending Act ('TILA'), the Home Ownership and Equity Protection Act ('HOEPA'), the Real Estate Procedures Settlement Act ('RESPA'), and Virginia’s CRESPA.
  • Advises clients in fair lending, UDAAP and regulatory and compliance matters involving the CFPB, DOJ and federal and state agencies.
  • Represents lenders and credit card issuers in consumer disputes, claims made under the Fair Debt Collection Practices Act ('FDCPA'), Fair Credit Reporting Act ('FCRA'), Fair and Accurate Credit Transactions Act ('FACTA'), Equal Credit Opportunity Act ('ECOA'), Telephone Consumer Protection Act ('TCPA'), unfair and deceptive trade practices, debt collection violations, identity theft, privacy issues, bankruptcy and fiduciary-related claims.
  • Advises clients lenders, brokers, servicers and other settlement service providers, including counseling clients on state and federal regulatory compliance obligations, including licensing fees, record retention, advertising obligations and restrictions, disclosure requirements and anti-predatory lending laws.
  • Represents lending institutions and finance companies in the automotive, boating and other industries against borrowers for the recovery of secured collateral and loan defaults in detinue seizure (VA) and replevin (NC) actions
  • Represents creditors in state and federal criminal forfeiture proceedings
  • Serves as trustee in foreclosures of commercial properties and large-scale residential developments
  • Represents creditors, receivers, creditor committees and trustees in Chapter 11 bankruptcy and other proceedings

REPRESENTATIVE CASES

MORTGAGE

  • Albayero v. Wells Fargo Bank, N.A., 2011 U.S. Dist. LEXIS 114974 (E.D. Va. 2011)
  • Bagley v. Wells Fargo Bank, N.A., 2013 U.S. Dist LEXIS 11880 (E.D. Va. 2013)
  • Banez, et al., v. Wells Fargo Bank N.A., 1:16cv00956 (E.D. Va. 2017)
  • Belmonte v. U.S. Bank National Association as Trustee for CSMC 06-00006, 4:11cv00104 (E.D. Va. 2011)
  • Chance v. Wells Fargo Bank, N.A., 2012 U.S. Dist. LEXIS 137507 (E.D. Va. 2012)
  • Chandler v. Multi-State Home Lending, Inc., 2013 U.S. Dist. LEXIS 22694 (W.D. Va. 2013)
  • Cormier, et al., v. Atlantic Law Group, et al., 3:12cv00178 (E.D. Va. 2012)
  • Crawley, et al., v. Wells Fargo Bank, N.A., et al., 3:12cv00419 (E.D. Va. 2012)
  • Creery v. Deutsche Bank National Trust Company Americas et al., 3:15cv00314 (E.D. Va. 2015)
  • Cruz, et al., v. Wells Fargo Bank, N.A. et al., 3:16cv00840 (E.D. Va. 2016)
  • Davis v. Wells Fargo Bank, N.A., 2014 U.S. Dist LEXIS 2016 (E.D. Va. 2014)
  • Desogugua v. Wells Fargo Bank, N.A., 1:11cv00188 (E.D. Va. 2011) (Class Action)
  • Ensley v. Wells Fargo Bank, N.A., et al., 3:12cv00638 (E.D. Va. 2017)
  • Fannie Mae v. Goode, 2011 U.S. Dist. LEXIS 85070 (W.D. Va. 2011) 
  • Gaitan-Diaz v. Wachovia Bank, FSB, et al., 1:10cv00155 (E.D. Va. 2010)
  • Gouyer, et al., v. US Bank National Association, 3:11cv00797 (E.D. Va. 2011)
  • Hinojosa v. Wells Fargo Bank, N.A., et al., 1:14cv01638 (E.D. Va. 2014)
  • Hughes v. Rushmore Loan Management Services LLC, et al., 1:16cv01380 (E.D. Va. 2016)
  • Hulcher, et al., v. Wells Fargo Bank, N.A., 3:14cv00743 (E.D. Va. 2014)
  • Jesse v. Wells Fargo Home Mortg., 882 F. Supp. 2d 877 (E.D. Va. 2012)
  • Jones, et al., v. Wells Fargo Bank, N.A., et al., 3:15cv00563
  • Jones, et al., v. U.S. Bank National Association, As Trustee for Residential Asset Securities Corp 2005-EMX5 3:11cv00527 (E.D. Va. 2011)
  • Lawhorne, Jr., et al., v. Wells Fargo Bank, N.A., et al., 3:15cv00381 (E.D. Va. 2015)
  • Luther v. Wells Fargo Bank, N.A., 2016 U.S. Dist. LEXIS 92918 (W.D. Va. 2016)
  • Luther v. Wells Fargo Bank, N.A. 623 Fed. Appx. 608 (Fourth Circuit 2015)
  • Martinez v. Res. Bank, FSB, 2010 U.S. Dist. LEXIS 32114 (E.D. Va. 2010)
  • Matanic v. Wells Fargo Bank, N.A., 2012 U.S. Dist. LEXIS 134154 (E.D. Va. 2012)
  • McGraw, et al., v. Wells Fargo Bank, N.A., et al. (Virginia Supreme Court No. 170088, 2017)
  • McGraw, et al., v. Deutsche Bank National Trust Company, VA Supreme Court 3:15cv00448 (E.D. Va. 2015)
  • Najera, et al., v. World Savings Bank, et al., 1:09cv01213 (E.D. Va. 2009)
  • Nuzzolo v. Wells Fargo Bank, N.A. et al., 3:12cv00562 (E.D. Va. 2012)
  • Oates et al., v. Wells Fargo Bank, N.A. et al., 5:13cv00011 (W.D. Va. 2013)
  • Reyes v. World Savings Bank, FSB, et al., 1:09cv01285 (E.D. Va. 2009)
  • Rich v. Federal National Mortgage Association, 3:13cv00716 (E.D. Va. 2013)
  • Roscigno, et al., v. Deutsche Bank National Trust Company, et al., 1:16cv01527 (E.D. Va. 2016) • St. Clair v. White, et al., 7:15cv00079 (W.D. Va.)
  • Stansbury v. Federal Home Loan Mortgage Corporation, et al., 7:16cv00516 (W.D. Va. 2016)
  • Taylor v. Wells Fargo Bank, N.A., 3:13cv00428 (E.D. Va. 2015)
  • Teran v. Wells Fargo Bank, N.A., 3:15cv00160 (E.D.Va. 2015)
  • Vaughan v. Wells Fargo Bank, N.A., 2016 U.S. App. LEXIS 18597 (Fourth Circuit 2016)
  • Vaughan v. Wells Fargo Bank, N.A., 2016 U.S. Dist. LEXIS 65548 (W.D. Va. 2016)
  • Washington v. Wells Fargo Bank N.A., 2016 U.S. Dist. LEXIS 51710 (E.D. Va. 2016)
  • White v. Wells Fargo Home Mortgage et al., 1:12cv00478 (E.D. Va 2012)
  • Williams v. Wells Fargo Bank, N.A., et al., 3:15cv00107 (E.D. Va. 2015)
  • Winter, et al., v. Wells Fargo Bank, National Association, 1:16cv01419 (E.D. Va. 2016)
  • Young v. Wells Fargo Bank, N.A., et al., (VA Supreme Court Case 160293 2016) FCRA
  • Autrey v. Congressional Federal Credit Union, 1:16cv00497 (E.D. Va. 2016)
  • Campbell v. Experian Information Solutions, Inc., et al., 1:12cv00527 (E.D. Va. 2012)
  • Crawley, et al., v. Equifax Information Services, LLC, et al., 3:13cv00348 (E.D. Va. 2013)
  • Ernst v. Experian Information Solutions, Inc., et al., 3:11cv00625 (E.D. Va. 2011)
  • Freyer v. Equifax Information Services, LLC, et al, 3:13cv00502 (E.D. Va. 2013)
  • Garand v. American Express Centurion Bank, et al., 1:14cv00351 (E.D. Va. 2014)
  • Kelly v. SunTrust Bank, 2016 U.S. App. LEXIS 21539 (Fourth Circuit 2016)
  • Kelly v. SunTrust Bank, 2016 U.S. Dist. LEXIS 23451 (E.D. Va. 2016)
  • Kelly v. SunTrust Bank, 589 Fed. Appx. 146 (Fourth Circuit 2015)
  • Ketchum v. Equifax Information Services, LLC, et al., 3:10cv00167 (E.D. Va. 2010)
  • Klar v. Seterus, Inc., 588 Fed. Appx. 277 (Fourth Circuit 2014)
  • Klar v. Fannie Mae, 2014 U.S. Dist. LEXIS 91836 (E.D. Va. 2014)
  • Lane v. Equifax Information Services, LLC, et al., 1:14cv00074 (E.D.Va. 2014)
  • Parker, et al. v. SunTrust Mortgage, Inc., et al., 3:16cv00651 (E.D. Va. 2016)
  • Prater, et al., v. Wells Fargo Bank, N.A., et al., 7:15cv00181 (W.D. Va. 2015)
  • Rhatigan, et al., v. Equifax Information Services, LLC, et al., 3:13cv00553 (E.D. Va. 2013)
  • Stellings v. Equifax Information Services, LLC, et al., 3:12cv00898 (E.D. Va. 2012)
  • Threat, Anne Harding v. Equifax Information Services, LLC, 3:16cv00333 (E.D. Va. 2016) FDCPA
  • Echeverria v. Samuel I. White, P.C., et al., 1:16cv01018 (E.D. Va. 2016)
  • Hinojosa v Wells Fargo Mortgage, Inc., et al., 1:12cv00639 (E.D. Va. 2012)
  • Hughes v. Wells Fargo Bank, N.A., 617 Fed. Appx. 261 (Fourth Circuit 2015)
  • Hughes v. Wells Fargo Bank, N.A., et al., 1:14cv00516 (E.D. Va. 2014)
  • Lovegrove v. Brock & Scott, PLLC, 2017 U.S. Dist. LEXIS 7140 (E.D. Va. 2017) – Class Action
  • Marsh v. Wells Fargo Bank, N.A., 7:13cv00277 (W.D. Va. 2013)
  • Townsend v. Fannie Mae, 923 F. Supp.2d 828 (W.D. Va. 2013)
  • Townsend v. Fannie Mae, 2013 U.S. Dist. LEXIS 146678 (W.D. Va. 2013

REVERSE MORTGAGE 

  • Abrams v. Wells Fargo Bank, N.A., CL116-3098 (Henrico Cty. VA Circuit 2016)
  • Arthur, et al., v. Wells Fargo Bank, N.A., et al., 7:16cv00348 (W.D. Va. 2016)
  • Carr v. Bank of America, N.A., et al., 15CVS1187 (Pender Cty. NC Superior Court 2015)
  • Joyner v. Bank of America, N.A., 13CVS1238 (Nash County Superior Court 2013)
  • Pierceall v. Donovan, et al., 3:13cv00049 (W.D. Va. 2013)

SCRA

  • Kerns v. United States, 2012 U.S. Dist. LEXIS 165851 (E.D. Va. 2012)
  • Sibert v. Wells Fargo Bank, N.A., 184 F. Supp. 3d 296 (E.D. Va. 2016)
  • Sibert v. Wells Fargo Bank, N.A., 2015 U.S. Dist. LEXIS 83585 (E.D. Va. 2015)

SECURITIZED TRUST/POOLING & SERVICING AGREEMENTS

  • Biggers v. Stumpf, 2016 U.S. Dist. LEXIS 13057 (E.D. Va. 2016)
  • Biggers v. Stumpf, 2016 U.S. App. LEXIS 17792 (Fourth Circuit, 2016)
  • Mullins v. Wells Fargo Bank, N.A., et al., 3:16cv00841 (E.D. Va. 2016)
  • Webb v. Equifirst Corp., 2016 U.S. Dist. LEXIS 43051 (W.D. Va. 2016

CONTRACT

  • Ancient Eqyptian Arabic Order Nobles Mystic Shrine of North and South America and its Jurisdiction, Inc. et al., v. Most Worshipful Prince Hall Grand Lodge, 2009 U.S. Dist. LEXIS 108027 (E.D. Va. 2009)
  • Carahsoft Tech. Corp. v. Janus Consulting Partners, LLC, 2015 U.S. Dist. LEXIS 181217 (E.D. Va. 2015)
  • Duke v. Southwestern Telco Federal Credit Union, et al., 7:10cv00053 (W.D. Va. 2010)
  • Kyle v. McDougall, 2014 U.S. Dist. LEXIS 133496 (E.D. Va. 2014)
  • Pres. Prof’l Servs., LLC v. M2 Pictures, LLC, 2015 U.S. Dist. LEXIS 76415 (W.D. NC 2015)
  • TEK Fusion Global, Inc. v. Kyle, et al., 4:14cv00031 (M.D. N.C. 2014)
  • Wiendieck v. Wells Fargo Bank, N.A., 2016 U.S. Dist. LEXIS 112398 (W.D. Va. 2016)

DEALER SERVICES

  • Thompson v. Wachovia Dealer Services, Inc., et al., 3:10cv00169 (E.D. Va. 2010)

BANKRUPTCY

  • Bank of Am., N.A. v. Brennan Title Co. (In re Donoho), 402 B.R. 687 (E.D. Va. Bank. 2009)
  • Bates v. Delconte, et al., 13-03023 (E.D.Va. Bank. 2013)
  • Boyd v. Wells Fargo Financial Virginia, Inc., 13-03078 (E.D. Va. Bank. 2013)
  • In re Mobile Team, LLC, 447 B.R. 512 (E.D. Va. Bank. 2011)
  • In re S & K Famous Brands, Inc., 2009 Bankr. LEXIS 5371 (E.D. Va. Bank. 2009)
  • In re Irvin, 09-34413, (E.D. Va. Bank. 2009)
  • In re LaTora, 09-35856 (E.D. Va. Bank. 2009)
  • Phillips v. Wells Fargo Home Mortgage, 12-03175, (E.D. Va. Bank. 2012)
  • Schultz v. Wells Fargo Bank, 11-01317 (E.D. Va. Bank. 2013)

Recognition and honors

  • Virginia Rising Stars; Law & Politics, 2009-2013
  • Virginia’s Legal Elite; Virginia Business Magazine, 2009, 2013, 2015-2016

Associations

  • American Bar Association
  • Virginia Bar Association
  • North Carolina Bar Association
  • City of Richmond Bar Association
  • Federal Bar Association
  • Mortgage Bankers Association

Admissions

  • North Carolina, 2003
  • Virginia, 2007
  • U.S. Court of Appeals, Fourth Circuit
  • All North Carolina U.S. District Courts and Bankruptcy Courts
  • All Virginia U.S. District Courts and Bankruptcy Courts

Education

  • Mary Washington College; B.A., 1996
  • University of Richmond School of Law; J.D., 2003

press and publication