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Nicole E. Schiavo

Senior Associate
New York

Nicole E. Schiavo

For almost a decade, Nicole Schiavo has been helping consumer finance clients navigate challenges in the wake of increased regulation, litigation, and scrutiny from lawmakers.

Regularly appearing in state, federal, and bankruptcy courts, Nicole has been at the forefront of defending lenders and loan servicers in adversary proceedings, federal claims of violations of the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), and the Federal Debt Collection Practices Act (FDCPA), as well as state law claims. Nicole understands the scrutiny and climate that lenders and servicers face and uses her significant experience to guide clients and meet their goals, whether it is resolving a matter through loss mitigation, settling a complex action with a fact-tailored settlement, or winning at trial and on appeal.

In addition to her case-specific work, Nicole is a trusted advisor to clients, providing compliance advice on the ever-changing state and federal regulations governing the lending industry, including CFPB rules, HAMP, and Section 8159. Nicole has created and conducted training for clients on loss mitigation, helped establish one of the first "servicer days" with the New York Courts, and has been the point person on portfolio reviews to identify and analyze trends and issues and create programs and procedures for effectively managing and resolving widespread litigation.

Outside of her work with the consumer finance group, Nicole is committed to pro bono work relating to civil rights and gender-based violence. Nicole received a 2016 "Above and Beyond" award from Sanctuary for Families for her work on a second-circuit appeal that created precedent by overturning a fee award to an abusive spouse in an international child custody dispute and has assisted with appellate briefing around the country in challenges to marriage equality.

Education and admissions


  • J.D., Touro College Jacob D. Fuchsberg Law Center, 2006
  • B.A., University of Maryland, College Park, 2004

Bar admissions and qualifications

  • New York
  • Connecticut

Court admissions

  • U.S. District Court, Eastern District of New York
  • U.S. District Court, Northern District of New York
  • U.S. District Court, Southern District of New York
  • U.S. District Court, Western District of New York
  • U.S. Court of Appeals, Second Circuit
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