Practice Areas

In today’s legal environment, it benefits clients to utilize one law firm which can provide the whole range of legal services. Clients find it more efficient to maintain a relationship with a firm that can service all of their legal needs rather than multiple firms with a duplication of efforts. The firm of Spina & Lavelle is uniquely positioned to provide such a spectrum of specialized services to its clients in the following areas:

Bankruptcy and Creditor’s Rights

Well-known and respected in Bankruptcy Courts through Alabama and Tennessee, the members of the Bankruptcy and Creditors' Rights section of Spina & Lavelle have extensive experience in all matters involving secured and unsecured creditors. Our attorneys are specialists in guiding lenders through the highly technical and sometimes treacherous world of bankruptcy law. This requires specialized knowledge of the unique aspects of the Bankruptcy Code, as well as a refined understanding of the ideological, philosophical, and sometimes emotional background of each specific judge. All of these are factors in the advice we provide to our clients.

We serve as the sole statewide representative for our lending clients and handle cases from our office directly. We do not refer cases to local counsel, which guarantees, when you hire Spina and Lavelle, it is our attorneys who represent your interest, not some local counsel in a far away city unknown to you.

Thanks to the benefit of long-standing professional relationships with many attorneys throughout the state, we can resolve most matters quickly and affordably. When litigation becomes a necessity, our attorneys are experienced in litigating contested confirmation proceedings, valuation disputes, adequate protection, and automatic stay litigation, preferences and fraudulent transfers, non-dischargeability actions, set-off and recoupment proceedings.

Foreclosure Services

At Spina & Lavelle, we have a foreclosure department that is unmatched in the service that we provide to our mortgage clients. We represent institutional and private lenders in the foreclosure and reclamation of titled assets. Our attorneys are well versed in mortgage foreclosure, replevin, attachment and eviction matters.

Our attorneys are experienced in examining real estate titles to make sure there are no unpleasant surprises. Our proactive handling of title and lien issues helps to determine clean ownership of foreclosed properties, thereby paving the way not only for quick and efficient foreclosure, but also the remarketing of the REO property.

Another service unique to our firm is that our attorneys act as the auctioneer at the foreclosure sale. This enables us to conduct the sale, record the foreclosure deed immediately thereafter and then return the recorded document to you that same day, usually within hours of the actual auction. That is a service that cannot be provided by
firms that use “auctioneer companies” to conduct your foreclosure sales. By using new technologies and employing the very best lawyers and real estate staff available, we are able to provide foreclosure services that are unmatched anywhere in the Birmingham, Alabama area.

In today’s market, Loss Mitigation is the preferred alternative to foreclosure. The firm is also very experienced in Loss Mitigation procedures now in place at most lending institutions. We work closely with clients and their customers in loan modifications, assumptions, forbearance agreements, deed-in lieu of foreclosure, and short-sale


Spina & Lavelle handles a wide range of collection matters. These include, but are not limited to, collections on commercial accounts, contracts, credit card retail insurance subrogation and deficiency accounts. The Collections section of Spina & Lavelle has numerous well-trained and qualified attorneys and paralegals experienced in the collection of unsecured debt. The firm's growth and reputation for quality legal work, along with the high recovery percentages, are a direct result of its abilities to effectively and expeditiously represent our clients with all their collection needs.

Rather than focusing on maximizing debt collection, our firm’s goal with every client is to minimize delinquency rates. Too often, corporations overlook trouble accounts as a potential profit source - which is why our comprehensive recovery management approach is ultimately designed to redirect the flow of that income back into our clients’ revenue streams. That is why many of the nation’s leading lenders look to Spina & Lavelle to reduce their delinquencies and increase their recoveries.

Consumer Litigation Defense

Spina & Lavelle, PC represents financial institutions and other businesses in all facets of commercial and consumer litigation. Our clients rely on Spina & Lavelle for the some of the more unique aspects of this expanding field of consumer litigation. Our broad range of experience includes all types of lender liability claims, including the defense against complaints arising from Truth in Lending Act (TILA); Fair Debtor Collection Practices Act (FDCPA); Fair Credit Reporting Act (FCRA) and various state law claims. Our attorneys are sensitive to a client's desire for efficient representation and have a depth of experience in all aspects of litigation.

Our lawyers represent clients at all trial and appellate levels in state and federal courts throughout Alabama as well as arbitration, mediation and other alternative dispute resolution forums. We are aided by litigation support personnel and through the use of computerized document management systems and related technology. We give considerable attention to the manner in which we staff our cases to achieve the greatest efficiency for the client.

Contact Us

Spina & Lavelle, PC
One Perimeter Park South
Suite 400N
Birmingham, Alabama 35243
(205) 298-1800 Office
(205) 298-1801 Fax
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