Bankruptcy, Foreclosure & Collection Law

PA Specific

Pennsylvania Collection Law: The Ultimate Guide

Credits Available
Credit Status Total
New Jersey CLE Approved 7.2 Total
New York CLE Approved 7 Total
Pennsylvania CLE Approved 6 Total
OnDemand
5 hours 50 minutes
Leona Mogavero
Stephen Bresset
Michael Hynum
Andrew Condiles
Elizabeth Sattler
With Leona Mogavero from Zarwin Baum DeVito Kaplan Schaer + 4 others
Recorded November 19, 2025.
Product ID 100935

Buy This Course

Course Includes
$489

OnDemand Video

Course Book Download

or
Upgrade to Unlimited CLE and Get This Course
$129/month
All Inclusive CLE subscribers save an average of $3,000/year on CLE costs.

Overview

COMPLIANCE: What Debt Collectors MUST Know NOW!

Staying in regulatory compliance while attempting to collect a debt has never been more important! In this comprehensive and critical compliance guide, you'll walk step by step through the collection process, gain effective techniques, AND ensure compliance. Get the fundamental tools you need to legally collect debt, locate assets, garnish wages, attach liens, and more - ALL while remaining compliant under the CFPB, FDCPA and TCPA. Register today!

  • Avoid the swarm of new penalties and lawsuits under the FDCPA and CFPB.
  • Add attorney's fees to collection matters without being sued.
  • Steer clear of exposure to liability; know the FDCPA and recent changes.
  • Explore the CFPB's areas of focus, role, and enforcement actions.
  • Review the statutory basis and case law surrounding the "Mini-Miranda" warning.
  • What type of property is subject to a lien? How do you attach a lien? Find out!
  • Review permitted vs. prohibited techniques under the FDCPA/CFPB.
  • Effectively locate assets, garnish accounts, and attach liens.
  • Avoid sticky jurisdiction/venue issues when seeking judgment.
  • Stay up to date and compliant with the TCPA.
  • Understand how bankruptcy impacts collections.
  • Clearly define harassment, false, deceptive, and misleading practices.

Abbreviated Agenda

  1. STEP #1: Debt Collection Process and Procedure Fundamentals
  2. STEP #2: How Bankruptcy Affects Collections
  3. STEP #3: How to Obtain a Judgment
  4. STEP #4: How to Enforce the Judgment: Liens, Garnishments, Veil Piercing, and More
  5. STEP #5: How to Comply With the FDCPA, CFPB, and State Law
  6. STEP #6: Prejudgment: How to Cleverly Collect Under the FDCPA, CFPB, and TCPA
  7. STEP #7: How to Steer Clear of Ethical Issues: Attorney Fees and More

Related Topics

Product ID 100935

Credit Details

Credits Available
Credit Status Total
New Jersey CLE Approved 7.2 Total
New York CLE Approved 7 Total
Pennsylvania CLE Approved 6 Total
Select Jurisdiction
CLE

Agenda

All times are shown in

  1. STEP #1: Debt Collection Process and Procedure Fundamentals

    1. The Debt Collection Process Framework
    2. Who, What, Where, When, Why, and How?
    3. Principles and Methods of Collections
    4. Essential Collection Procedures
    5. Sample Collection Flowchart/Matrix

  2. STEP #2: How Bankruptcy Affects Collections

    1. Bankruptcy Basics: Automatic Stay, Discharge, etc.
    2. How the Different Creditors are Prioritized
    3. Working With the Trustee
    4. Bankruptcy Cases That Pose Risk
    5. Filing of Inaccurate or False Proofs of Claims
    6. Responding to Preference Claim
    7. Bankruptcy Code Changes Affecting Creditors

  3. STEP #3: How to Obtain a Judgment

    1. When Should a Judgment be Considered?
    2. Choosing Court to File Suit in - Jurisdiction/Venue Issues
    3. Court Proceedings; Process and Procedure
    4. Other FDCPA Issues
    5. Serving the Claim
    6. Notice of Motion for Default Judgment
    7. What if a Defense is Filed?

  4. STEP #4: How to Enforce the Judgment: Liens, Garnishments, Veil Piercing, and More

    1. Basic Enforcement Processes and Procedures
    2. Out-of-State Enforcement
    3. Locating Places of Employment
    4. Filing Writs of Execution
    5. Effectively Locating Assets; Investigation Tips
    6. How to Seize Assets (Bank Accounts, Stocks, Retirement Accounts, Wages)
    7. How to Attach a Lien on Property
      1. Personal or Real?
      2. What Type of Property is Subject to a Lien Under State Law?
      3. What Type of Property to Attach?
      4. How to do That and Samples?
      5. Priority of Liens
    8. Alternatives to Wage and Bank Garnishments
    9. Claims of Exemptions
    10. Third Party Claims of Ownership
    11. Collecting on Intangibles
    12. Piercing the Single Member LLC Veil; The Alter Ego
    13. Self-Employed Debtors

  5. STEP #5: How to Comply With the FDCPA, CFPB, and State Law

    1. Persons/Transactions/Communications Covered
    2. Who is a "Debt Collector"?
    3. Defining Harassment, False, Deceptive, and Misleading Practices
    4. "Mini-Miranda" Warning: Statutory Basis and Case Law
    5. "Least Sophisticated Consumer" Standard
    6. Reform Efforts, Trends, and Changes
    7. Complying With CFPB Regulations, Rules, and Orders
    8. Interplay of CFPB, FDCPA, and State Laws
    9. Update: CFPB's Role, Reach of Authority, and Aggressive Enforcement
    10. Recent Case Law
    11. Top CFPB/FDCPA Complaints
    12. TCPA and FTC Compliance
    13. Overview of Critical State Laws, Rules, and Regulations

  6. STEP #6: Prejudgment: How to Cleverly Collect Under the FDCPA, CFPB, and TCPA

    1. Verification of Debt
    2. Telephone Calls; Voice Mails
    3. Notices and Forms
    4. Effective Demand Letters; Envelopes
    5. Social Media and Email
    6. Faxing Fundamentals
    7. Third-Party Communication
    8. Other Pre-Suit Collection Strategies
    9. How to Discuss Possible Litigation With Debtor
    10. Recent Developments - CFPB Final Debt Collection Rules

  7. STEP #7: How to Steer Clear of Ethical Issues: Attorney Fees and More

    1. Defining When an Attorney is a "Debt Collector"
    2. Adding Attorney's Fees to Collection Matters Without Being Sued
    3. When are You Entitled to Attorney Fees?
    4. Collection of Filing Fees and Pre-Judgment Interest
    5. Reporting Professional Misconduct
    6. Account Management Best Practices
    7. Billing, Credit Policy Best Practices
    8. Harassment

Who Should Attend

This basic level online seminar is designed for attorneys. Accountants, debt collectors and paralegals will also benefit.

Speakers

Leona Mogavero
Leona
Mogavero
Zarwin Baum DeVito Kaplan Schaer
Stephen G Bresset
Stephen G.
Bresset
Bresset & Santora, LLC
Michael A Hynum
Michael A.
Hynum
Hynum Law
Andrew Condiles
Andrew
Condiles
Weltman, Weinberg & Reis Co., L.P.A.
Elizabeth P Sattler
Elizabeth P.
Sattler
Weiss Burkardt Kramer LLC
Speaker bio
Leona Mogavero

Leona Mogavero

Zarwin Baum DeVito Kaplan Schaer
Leona Mogavero

is a shareholder at Zarwin Baum DeVito Kaplan Schaer, where she concentrates her practice in the area of creditors' rights and bankruptcy. Ms. Mogavero has experience representing financial institutions and other lenders in negotiation and documentation of commercial loan workouts and restructures. She also has experience in real estate transactional matters. Ms. Mogavero has supervised and instructed associate attorneys and paralegal assistants in the handling of commercial and residential mortgage foreclosures, and is a frequent speaker at seminars for financial professionals and attorneys regarding loan workouts, collections and bankruptcy. She is admitted to practice in the state of Pennsylvania, Supreme Court of Pennsylvania, United States District Court for the Eastern District of Pennsylvania and the United States Court of Appeals for the Third Circuit. Ms. Mogavero is a member of the Pennsylvania and Philadelphia bar associations. She is a Subchapter V bankruptcy trustee. Ms. Mogavero earned her B.A. degree, maxima cum laude, from LaSalle College and her J.D. degree from the University of Pennsylvania Law School.

View full profile
Speaker bio
Stephen G Bresset

Stephen G. Bresset

Bresset & Santora, LLC
Stephen Bresset

is a partner with Bresset & Santora, LLC, where he has practiced commercial and bankruptcy law and litigation throughout Pennsylvania and the region for more than 30 years. During his time in practice, Mr. Bresset has represented debtors in more than 50 Chapter 11 proceedings in Pennsylvania; as well as creditors, creditor committees, and trustees at virtually every level of bankruptcy proceedings, and debtors in more than 1,000 Chapter 7 proceedings. He is admitted to the state courts of Pennsylvania, the three U.S. District Courts in Pennsylvania, the three bankruptcy courts, and the Third Circuit Court of Appeals. Mr. Bresset has always been an active member of his community and the bar associations of which he is a member. He has served as an office holder in the Wayne County Bar Association and the Pennsylvania Bar Association, as well as a committee chair in both associations. Mr. Bresset has been a featured speaker at numerous seminars throughout Pennsylvania in litigation, commercial law and bankruptcy law topics. He earned his B.A. degree from Temple University and his J.D. degree, with honors, from Widener University School of Law.

View full profile
Speaker bio
Michael A Hynum

Michael A. Hynum

Hynum Law
Michael Hynum

founded Hynum Law in 2004 in Harrisburg, Pennsylvania. He is an attorney licensed to practice law in all courts of the Commonwealth of Pennsylvania, as well as U.S. Federal Courts in the Middle and Eastern districts of Pennsylvania. Mr. Hynum's areas of focus include healthcare law, business law, debt collection, administrative/government law, labor law, family law, real estate and litigation. He spent approximately eleven years working in the long-term health care industry, acting as CEO of a company providing care and services to elderly residents of central Pennsylvania. Mr. Hynum is a member of the Lancaster County Bar Association and serves on the Health Law Committee of the Pennsylvania Bar Association.

View full profile
Speaker bio
Andrew Condiles

Andrew Condiles

Weltman, Weinberg & Reis Co., L.P.A.
Andrew Condiles

is an attorney with Weltman, Weinberg & Reis Co., L.P.A. He assists creditors ranging from banks to credit unions to small businesses in recovering their unpaid debts, while also helping utility companies collect the monies that they are owed when their valuable equipment is damaged. Mr. Condiles's clients can always count on him to know every fact of the case before heading into an arbitration, mediation, negotiation or trial. He earned his B.A. degree from Hobart College, is a graduate of Case Western Reserve University (CWRU) School of Law, and was a member of CWRU's National Moot Court Team. During law school, Mr. Condles was a member of CWRU's Health Matrix: Journal of Law-Medicine; and authored a piece titled, "How Voluntary Is Voluntary" published in Volume 18 of the Appalachian Journal of Law. He is a member of the American Bar Association, Moot Court Judge and Philadelphia Bar Association. Mr. Condiles is admitted to practice in New Jersey, Pennsylvania, U.S. District Court for the Middle and Eastern districts of Pennsylvania, and the U.S. District Court for the District of New Jersey.

View full profile
Speaker bio
Elizabeth P Sattler

Elizabeth P. Sattler

Weiss Burkardt Kramer LLC
Elizabeth Sattler

is an attorney with Weiss Burkardt Kramer LLC, having joined the firm in January 2023. She is a school solicitor, and also focuses on taxation matters, overseeing the firm's tax collection and tax assessment departments. Prior to joining WBK, Ms. Sattler worked with a regional firm in its Municipal and School Section, concentrating on tax collection, assessment, and solicitor representation. She earned her Bachelor of Arts degree from Pennsylvania State University, and her Juris Doctorate degree from the University of Pittsburgh School of Law. Ms. Sattler is admitted to practice in the Commonwealth of Pennsylvania and the United States District Court for the Western District of Pennsylvania. She is a member of the Pennsylvania Bar Association and the Allegheny County Bar Association.

View full profile
Loading recommendations...

TOP FAQs

How do I access my courses?
Courses are available within your account. Simply login to your account and click on My Courses. If you require additional assistance please call our Customer Service Department at 800-930-6182.
Do you have options for attendees who are deaf or hard of hearing?
Closed captioning is available for all Live Webinars. After you've joined the event room, you can enable closed captioning by clicking the "cc" button in the lower right of the player.
What happens if my course is cancelled?
In the unlikely event that NBI cancels or reschedules an upcoming program, each registered attendee will be contacted via email by a representative of NBI. Outreach to attendees begins as soon as NBI is made aware that a program will not move forward at its originally scheduled date and time.
Are multiple attendee discounts available?
Yes, the more people you bring from your organization, the more you save. After the first registration, each additional attendee receives a special discount off of their total tuition.
When will the OnDemand be available and how long will I have access to the content?
The OnDemand Video will be available to stream within 7 days of live broadcast date. You will have access to the content for 6 months in your account. If you’re a subscriber, you’ll have access to your course recordings until 7 days after the expiration date of the subscription.
What is included with my course purchase?
When you enroll prior to the live event date you will receive access to the live-streaming webinar which will allow you to interact with faculty in real-time. With each course, you will receive access to the content via OnDemand Streaming and the Video Download. Course reference materials are included with each course purchase in a downloadable PDF format.
Will I receive a certificate of completion?
Yes, we'll email you a certificate of completion and store in your account for any future reporting needs.
Can multiple people watch courses and request credit?
While only paid registrants can receive continuing education credit for attending, there are no limitations to the number of viewers at each connection.

Have more questions? Please Contact Us