Ashley Pavel

Ashley Pavel is a skilled litigator who represents financial services providers in their most high-stakes matters. Ashley is experienced in complex litigation, including class actions and appeals, and regulatory enforcement actions. Ashley also advises clients on regulatory and compliance matters.

Ashley’s clients include financial services providers such as national banks, lenders, and mortgage servicers. Ashley currently represents the Puerto Rico Fiscal Agency and Financial Advisory Authority in connection with Puerto Rico’s historic Title III restructuring proceedings.

Ashley has litigation and compliance counseling experience under the Fair Credit Reporting Act (FCRA), the Fair Housing Act, the Equal Credit Opportunity Act (ECOA), the Racketeer Influenced and Corrupt Organizations (RICO) Act, and the consumer-protection statues of numerous states, including California Business & Profession Code Section 17200.

Ashley holds a Certified Information Privacy Professional (CIPP/US) credential through the International Association of Privacy Professionals (IAPP).

Ashley believes that effective advocacy requires cultivating a deep understanding of her clients’ business operations and objectives.

Experience:

• Representing the Puerto Rico Fiscal Agency and Financial Advisory Authority in connection with the Commonwealth of Puerto Rico’s restructuring under Title III of the Puerto Rico Oversight, Management, and Economic Stability Act (PROMESA) and related adversary proceedings
• Obtained dismissal with prejudice of RICO and fraud claims against mortgage servicer challenging assessment of property inspection fees and secured affirmance of the decision by the United States Court of Appeals for the Ninth Circuit
• Obtained dismissal with prejudice of claims against mortgage servicing company alleging unfair practices in connection with lender placed flood insurance
• Represented a large national bank in a series of state and federal fair lending challenges brought by the City of Los Angeles
• Represented multiple mortgage servicers in putative class actions relating to loan modification practices
• Represented one of the largest subprime mortgage servicers in several class actions consolidated into a federal multi-district litigation proceeding, involving federal and state-law claims related to mortgage servicing practices
• Secured entry of an injunction against a municipality on behalf of a pro bono client to remedy the municipality’s non-compliance with a state law requiring designation of zones for potential development of homeless shelters

Admissions:

• California
• US District Courts for the Central, Eastern, Northern and Southern Districts of California
• US Court of Appeals for the Ninth Circuit

Education:

• University of California at Berkeley, J.D.; Senior Articles Editor, Berkeley Technology Law Journal; Staff Member, California Law Review; Prosser Prize, Jurisprudence Award, and Aldo J. Test Writing Award
• University of California at Santa Barbara, B.A., Law and Society, Psychology, and French: Highest Honors; Phi Beta Kappa