Editors Choice

ALFN: We Uncover the American Legal & Financial Network; a Society of Legal Foreclosure & Eviction Enforcers for Non-Banks, Banks and Wall Street

American Legal & Financial Network (ALFN) is A 501(c)6 Non-Profit Organization. The ALFN is a national network of legal and residential mortgage banking professionals. ALFNs membership rosters include professionals from the following segments of the residential mortgage banking community: Legal, Residential Mortgage Bankers and Investors, Risk Evaluation, Investment Research, Consulting, Land and Title, Technology and Asset Protection.


Board members are elected to two-year terms and may be re-elected for a consecutive two-year term. Elections are held on a rolling cycle as terms expire, with 4 non-affiliated director seats elected in odd-numbered years and 1 affiliated director seat elected in even- numbered years. Up to 4 additional directors may be appointed by the CEO to serve for up to 2 years and may be re-appointed for up to another 2 years. For additional information on ALFN Board elections, upcoming opening seats, or other inquiries, please contact Matt Bartel.

Board Chair | Elected Non-Affiliated Attorney/Trustee Seat
Tromberg Law Group, P.A.
1515 South Federal Highway, #100
Boca Raton, FL 33432
Phone: (561) 338-4101
Fax: (561) 338-4077

Andrea Tromberg, Esq.

Andrea Tromberg graduated from the University of Florida in 1993 in the top 10% of her class, and then earned her law degree from Nova Southeastern University in 1996. After several years of at the Public Defender’s Office and then private practice, Andrea Tromberg joined Tromberg Law Group in 2010. She brought to the firm her vast experience in complex litigation, as well as her effective abilities in the courtroom, appellate work, trial, management and remarkable personal skills, making her a valuable asset to the firm.

Tromberg Law Group, P.A. offers a comprehensive range of legal services for mortgage lenders, servicers, banks, and investors. The firm focuses on residential foreclosure, appeals, bankruptcy, eviction, loss mitigation, property registration, title curative, and real estate litigation throughout Florida and Puerto Rico.

Andrea Tromberg served as Chairperson for the ALFN Default Services Practice Group and currently sits as Chairperson of the Legislative & Regulatory Policy Group. Mrs. Tromberg has been engaged as a speaker at various events including: ALFN Teach Conference at Flagstar – Mediations and Loss Mitigation; ALFN Teach in Jacksonville – Hot Topics in Foreclosure Litigation; Advocacy Day in Washington DC – FDCPA Legislation; ALFN Answers conference in Colorado – CFPB Rules and the Conflicts in the Law; Webinar on FDCPA – FDCPA Legislation; NARCA Convention in Las Vegas – FDCPA and Compliance. ALFN Teach in Dallas – Hot Topics in Foreclosure Litigation; ALFN Webinar on Statute of Limitations, served as moderator and speaker; ALFN/NARCA Advocacy Day in Washington DC – Moderator and speaker on several new Bill proposals to the Senate and House which focus on CFPB and FDCPA reform; and ALFN Webinar on Introduction of HB 957, served as speaker.

Chief Governance Officer
Elected Affiliated Attorney/Trustee Seat
Senior Partner, Bankruptcy Department
McCalla Raymer
1544 Old Alabama Road
Roswell, GA  30076
Direct: (678) 281-3918
Fax: (866) 894-4211

Michael J. McCormick, Esq.

Michael is a senior partner in the bankruptcy department at McCalla Raymer, LLC in Atlanta, Georgia, where he assists in the bankruptcy representation for dozens of mortgage lenders and servicers nationwide.  He has been with the firm since 2004.

Before moving to the Atlanta area in 2004, Michael had a debtor practice with Bond, Botes & McCormick, P.C. in Biloxi, Mississippi and practiced civil and commercial litigation with Dukes, Dukes, Keating & Faneca, P.A. in Gulfport, Mississippi.

Michael is a native of Toronto, Canada and received his undergraduate degree from the University of Western Ontario.  He graduated from Wake Forest University School of Law in 1994 and is admitted to practice in Alabama, Arkansas, Georgia, Kansas, Mississippi, Missouri, and Tennessee.

Michael has conducted continuing legal education seminars; written numerous articles; spoken to community groups, attorneys, and servicers; and even appeared on television to discuss bankruptcy.  He has discussed the Bankruptcy Reform Bill (BAPCPA), federal regulations governing escrow accounts, and bankruptcy rule amendments in 2011 and 2016.  He has written articles on these and many other subjects.

Michael is a member of several bankruptcy organizations, including the Mississippi Bankruptcy Conference; the bankruptcy sections of the Alabama, Georgia and Tennessee bar associations; the American Bankruptcy Institute, and the National Association of Chapter 13 Trustees (associate member).

He was recently appointed to the TBA Bankruptcy Law Section Executive Council, and has served on the NACTT Mortgage Committee by helping to draft “Best Practices for Trustees and Mortgage Servicers in Chapter 13” and working with the Federal Rules Committee on the revisions to Federal Bankruptcy Rules which became effective on December 1, 2011 (i.e., Rules 3001 and 3002.1).

He also chairs the Escrow Statements Subcommittee of the NACTT MortgageWorking Group.

Since 2010 Michael has served on the Emory Bankruptcy Developments Journal Notes and Comments Advisory Committee.  Michael is also recognized by the American Board of Certification as a Consumer Bankruptcy Specialist.

In July 2014 Michael was re-elected to the board of directors for the American Legal and Financial Network (ALFN) for a second term, and in July 2016 was appointed as an at-large director.

In his spare time, Michael is an avid sports fan, especially hockey and baseball.  He has also worked for several minor league baseball and hockey teams.

Elected Non-Affiliated Attorney/Trustee Seat

Rogers Townsend & Thomas, PC
Synergy Business Park 220
Executive Center Drive
Columbia, SC 29210
Phone: (843) 556-5656

John Hearn, Esq.

John leads Rogers Townsend’s Default Services Department.

A seasoned litigator, his legal work has focused on resolution of title insurance claims, contested foreclosure matters, and property tax sale disputes. This experience provides a unique perspective to the operations of default servicing.

In his career, John has managed a wide variety of business litigation matters, and has traveled the state defending claims against lenders. In that capacity, he managed a team of lawyers concentrating on those claims.

John has served on the Executive Committee of the Richland County Bar Association for five years and is a past-president of the RCBA. John also serves the SC Bar as a volunteer Attorney to Assist for the Office of Disciplinary Counsel, as a mentor for the Lawyers Helping Lawyers program, and as section delegate for the Bar’s Consumer Law Council, the governing body of the Consumer Law Section. John serves on the firm’s Technology Steering Committee. John clerked for the Honorable J. Ernest Kinard, Jr. of the Fifth Judicial Circuit after law school.

Elected Non-Affiliated Attorney-Trustee Director Seat
Woods Oviatt Gilman, LLP
700 Crossroads Bldg. 2 State St.
Rochester, NY 14614
Phone: 585-362-4521

Natalie Grigg, Esq.

Natalie A. Grigg is a Partner in the firm’s residential foreclosure department.  Ms. Grigg represents creditors and servicers throughout New York State in foreclosures including loss mitigation and all litigated matters.

Prior to joining Woods Oviatt, Ms. Grigg represented creditors and servicers in contested matters in Chapter 7, Chapter 11, and Chapter 13 bankruptcy proceedings throughout New York State.  She has extensive experience with litigated matters within bankruptcy and foreclosure proceedings as well as commercial litigation.

Ms. Grigg received her Juris Doctorate from the University at Buffalo Law School in May 2002 with a concentration in Civil Litigation.  She received a Bachelor of Arts degree in Psychology and Legal Studies in February 1999 from the State University of New York at Buffalo.

Non-Affliated Elected Seat

Keith D. Weiner & Associates, OH
75 Public Square, 4th floor
Cleveland, OH 44113
(216) 771-6500

Kim Hammond, Esq.

Kim obtained her Juris Doctor degree from Cleveland-Marshall College of Law in 1993, and received her B.A. in Legal Studies from SUNY Buffalo in 1990. She joined Keith D. Weiner & Associates Co., LPA  (KWA) in October, 1999 as the Managing Attorney for the foreclosure practice.

KWA is a mid-sized law firm AV rated by Martindale Hubbell. The Firm employs 10 attorneys and approximately 70 additional employees consisting of Firm Managers, paralegals, collectors and support personnel, and represents both local and national credit grantors, lenders and servicers in a wide range of industries.

Kim manages the representation of mortgage lenders and servicers in all aspects of mortgage default including foreclosure, bankruptcy, eviction, mediation, loss mitigation, litigation, title claim defense and REO.   She actively practices in State and Federal Courts throughout Ohio and Wisconsin and is also in-house counsel for our title company, Public Square Title Agency, LLC.

Non-Affiliated Attorney/Trustee Seat
Messner Reeves LLP
1430 Wynkoop Street, Suite 300
Denver, Colorado 80202
Phone: 303.623.1800

Deanne R. Stodden, Esq.

Deanne’s practice encompasses all areas of real estate law, business law, banking law and creditor’s rights.

The majority of her legal career has focused on the representation of large and small financial institutions and other creditors in residential and commercial foreclosures, loan workouts, deficiency actions and real estate-related litigation.

Deanne has significant experience negotiating and documenting loan transactions involving real estate. She drafts and negotiates leases, license agreements, cell tower leases and enjoys working with small businesses and entrepreneurs on entity formation, organization documents and contracts. In addition to her work, Deanne is active in the legal community and is a frequent author and speaker on a variety of real estate law and creditor’s rights topics.

Deanne is currently a member of the Colorado Bar Association Ethics Committee and is a liaison to the Colorado Bar Association Real Estate Section Council. In addition, Deanne is the Managing Editor of the Colorado Bar Association/CLE Colorado Real Estate Practice books and collaborates with the other authors to teach the 13-week course in real estate law to new lawyers, paralegals and other attendees.

Elected Non-Affiliated Attorney/Trustee Seat
Randall S. Miller
Randall S. Miller & Associates
43252 Woodward Avenue, Suite 180
Bloomfield Hills, MI 48302
(248) 335-9200 x101

Randall S. Miller, Esq.

Randall S. Miller, Randy as he is called by his friends, graduated from Michigan State University  in 1987 with a B.S. in Political Science/Pre-Law.  He earned his J.D. at the Detroit College of Law in 1992.

After spending over a decade as a trial attorney, Randy started his law firm, Randall S. Miller & Associates in 2002.  The firm is now in the States of Colorado, Illnois, Michigan, Minnesota, Wisconsin and Wyoming.

Randy is also the CEO of U.S. Default Management, a back office solutions provider, helping save servicers millions of dollars per year.

His current focus is on their new Universal Attorney Audit Platform, which benefits servicers and attorneys alike.  Schweitzer Title Agency, LTD is another of Randy’s companies, providing national title solutions, as well as handling closing/escrow matters.

He formerly sat on both the Executive Board and Executive Committee of the Association of Trial Lawyers of America, and headed its PAC Task Force.

He also served on the Executive Board of the Michigan Association for Justice.  As a member of the State Bar of Michigan Representative Assembly, an elected position that he held until being term limited out, he chaired its Drafting Committee where he had the ability to redraft Michigan’s’ attorney ethics standards.

Foreclosure Intersect

Close out the year with our final event, Intersect: Servicing + Foreclosure, a Dallas-based in-depth training that is focused on the intersection of mortgage servicing and the ever-changing foreclosure process. This one-day event will include detailed sessions on national issues and trends, and will spotlight state-specific issues that have a broad impact on the industry.  Intersect is a can’t miss opportunity to close out your year with a highly rated, expert-led training session for your team.

Intersect is built on content that has broad appeal and we encourage multiple attendees from each servicing company. Sessions are structured for both basic and advanced levels, and offer great cross training for your other default departments.


Opening Super Session – Working Together

Breakout Session 1 – Post-Foreclosure Track

Breakout Session 2 – Regulatory Compliance Track (broken link on website)

Breakout Session 3 – Operations Track

Breakout Session 4 – Complex Litigation Track

Breakout Session 5 – Title Issues Track

Breakout Session 6 – Case Law & Legislation Track


The ANGLE is the ALFN’s flagship publication published once each quarter. The magazine features in-depth legal analysis of local, state and federal laws affecting mortgage servicing and foreclosure throughout the country. Readers will find member spotlights, state snapshots, infographics and feature-length articles in each issue of the ANGLE. Learn more about each issue’s focus or access the ANGLE archive below. Contributing to and accessing complete issues is an ALFN member-only benefit, including registered mortgage servicers.


Purchase an Ad in the ANGLE
Full Page Ad
Single Issue | $1,000 Four Issues | $600 per issue (year commitment)
Half Page Ad
Single Issue | $600 Four Issues | $300 per issue (year commitment)
Member Spotlight

Single Issue | $3,000 Includes a two-page spread in one ANGLE publication featuring the member firm/company.  One month promotional spotlight on ALFN.org with homepage Banner Ad and a featured placement in one ANGLE email.

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