Real Estate Management

ROBERT B. FARRINGTON

** *** ******

Allendale, New Jersey 07401

Tel: 201-***-****

e-mail: ************@***.***

Litigation Bankruptcy Real Estate

Regulatory Compliance RESPA FDCPA

SUMMARY:

Experienced litigator, published decision (In Re Ferandos, 402 F.3d 147),

with significant strengths in Foreclosure, Bankruptcy, Real Estate and

Regulatory Compliance. Additional skills include mentoring staff in best

practices, FDCPA, and RESPA. A strong history of successful performance in

the areas of loan servicing and loss mitigation as well as retaining and

supervising outside counsel throughout the country and managing

relationships with Federal and State Regulatory agencies.

EXPERIENCE:

GRP FINANCIAL SERVICES CORP., White Plains, New York August 2006 -

December 2009

General Counsel and Manager of Foreclosure Operations

Corporate Counsel

Supported non-litigation loan servicing functions including loss

mitigation, research and training, title issues and ensuring compliance

with Federal and State loan servicing regulations:

Ensured compliance with Federal and State laws through policy review,

revision and implementation throughout the organization.

Facilitated training and implementation of best practice initiatives for

compliance with the FDCPA and RESPA.

Facilitated training of Sallie Mae's Code of Conduct for new employees;

ensuring thorough understanding.

Developed Forbearance Agreements and Repayment Plans ensuring best interest

of GRP protected.

Responded to borrowers' requests for validation of the debt under the FDCPA

and "qualified written requests" under RESPA.

Responded to complaints filed by borrowers with State Regulatory Agencies

and Attorney Generals; ensuring appropriate positive disposition.

Supervised review of title issues and monitored title claims affecting the

priority of our lien or description of our secured properties.

Managed review of letters rescinding or cancelling private mortgage

insurance (PMI) and generated dispute letters when appropriate.

Managed review of municipal taxes due on secured properties and advised

upper management regarding payment timelines ensuring timely responses to

inquiries and payments.

Supervised review of invoices received from Homeowners and Condominium

Associations ensuring invoices in compliance with State law and generated

dispute letters as a result of overcharges and erroneous invoicing.

Managed Foreclosure, Bankruptcy and Eviction departments with review and

revision of procedures ensuring efficiencies and compliance with Federal

and State laws:

Reviewed and, as necessary, revised specific pre-foreclosure Demand Letters

and loss mitigation procedures ensuring compliance with Federal and State

laws.

Selected and managed local counsel throughout the country. Monitored

actions and timelines of outside counsel and reviewed and approved non-

standard attorney fees and costs.

Reviewed and advised upper management on issues arising pursuant to non-

judicial foreclosures, judicial foreclosures, bankruptcy, eviction and REO

matters.

Managed material litigation including supervision of litigation in the

foreclosure, bankruptcy, eviction and REO groups.

Reviewed issues in litigated matters developing and recommending loss

mitigation strategies to upper management.

Reviewed defendants' Answers to determine if they are contesting, and if

so, if they include claims involving substantial issues.

Reviewed issues involving Motions for Summary Judgment and/or Trial, attend

depositions, mediations.

Reviewed issues in contested evictions and recommend loss mitigation

strategies to upper management including Cash for Keys and Use and

Occupancy agreements.

Upon the filing of a Bankruptcy Petition, supervised review of issues that

might remove the effect of the automatic stay upon any on-going litigation

and prospects for prospective relief and/or the possibility to annul the

automatic stay.

Reviewed issues involving Adversary Complaints, approval of attorney fees

and costs and recommendations to upper management of loss mitigation

strategies.

Reviewed preparation of pay histories and reconciliations to be sent to

borrowers' counsel.

Reviewed municipal violations and liens and coordinate appearance of

outside counsel at municipal hearings as required.

SLM CORPORATION

August 2006 - December 2009

Associate General Counsel

Corporate Counsel

. Provided legal review for SLM Financial Corporation (and other SLM

entities) in litigated matters ensuring best interest of SLM

protected.

Reviewed and analyzed litigation in which SLM Financial Corp. (and other

SLM entities) were named as defendants.

Supervised defense of Complaint filed by the Massachusetts Attorney General

naming Sallie Mae Home Loans as a defendant for loans they originated.

Provided legal review of content of marketing materials for Sallie Mae

Mortgage ensuring compliance with Federal and State law.

FRANK J. MARTONE, P.C., Bloomfield, New Jersey

1994 - 2006

Lead Associate

. Managed mortgage foreclosure and bankruptcy departments.

Represented firm in Superior Court of New Jersey, U.S. Bankruptcy Court and

Federal and State Appellate Courts.

Supervised REO department.

Represented both buyers and sellers in residential and commercial real

estate transactions.

Acknowledged as subject matter expert in foreclosure, bankruptcy and

eviction law enabling efficient resolution of matters involving secured

creditors.

LAW OFFICES OF ROGER J. FIDLER, Glen Rock, New Jersey

1991 - 1994

Associate

. Lead associate for sole practitioner whose practice encompassed both

corporate law and litigation.

Managed corporate matters, litigation and depositions.

Drafted form S-1 Registration Statements and Offering Statements under Rule

504(b) for filing with the Securities and Exchange Commission and prepared

necessary documentation required under the Blue Sky Laws of New Jersey and

New York.

EDUCATION

Boston University School of Law - Boston, MA - JD,

Marshall-Wythe School of Law, College of William and Mary, London/Exeter

University

Montclair State College - Montclair, NJ - B.S. Finance, Honor Society Phi

Kappa Phi

ADMITTED

New Jersey Bar - 1992; New York Bar - 1995; United States District Court

for District of New Jersey - 1992; United States Supreme Court - 1997.

PUBLISHED DECISION

IN RE FERANDOS, 402 F.3d 147 (3d Cir. 2005).

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