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Emily Mather

Fax +1.919.743.7358
Ms. Mather is an associate in the Raleigh office and a member of the firm’s Restructuring and Insolvency practice group. She represents secured and unsecured creditors in restructuring and insolvency matters, and also advises national consumer financial services institutions on bankruptcy servicing practices and regulatory compliance.

Professional Background

Prior to joining K&L Gates, Ms. Mather served as a law clerk to Chief Judge Stephani W. Humrickhouse, United States Bankruptcy Court for the Eastern District of North Carolina, 2014-2016.

Speaking Engagements

  • “Fourth Circuit and Supreme Court Bankruptcy Case Update,” Eastern Bankruptcy Institute, June 2015, May 2016
  • Assist in coordinating and defending PCN and POC litigation on a nationwide basis for one of the largest mortgage servicers;
  • Provide advice on bankruptcy escrow issues, including properly setting up escrow accounts for bankruptcy, ensuring proper crediting of accounts, and considering escrow delay remediation;
  • Advise clients on RESPA and TILA implementing regulations as they relate to bankruptcy, including regulations relating to periodic statements early intervention and escrow;
  • Advise clients as to the procedures for electronic filing through CM/ECF, the procedures and requirements for filing PCNs, POCs, PPFNs and Notices of Final Cure, and the procedures and requirements for loss mitigation on a nationwide, jurisdiction-by-jurisdiction basis;
  • Review periodic statements and other types of correspondence sent to debtors in bankruptcy and evaluate in context of potential violations of the automatic stay and discharge injunction;
  • Advise clients regarding bankruptcy disclaimer scripting in debtor correspondence;
  • Analyze and revise redaction policies of outside law firms for compliance with Bankruptcy Rules, and provide feedback and recommendations regarding the same;
  • Reviewed hundreds of sample bankruptcy documents and evaluated and identified potential issues under applicable Bankruptcy Rules.
  • Conducted nationwide bankruptcy remediation project to address improperly redacted filings, which included analyzing and accounting for hundreds of jurisdiction-specific requirements and drafting and filing hundreds of motions and orders in jurisdictions across the country;
  • Analyzed sample POCs, PCNs and PPFNs in conjunction with system screens and data from PACER for accuracy and compliance purposes; reviewed periodic statements for compliance with mortgage servicing rules and offered advice as to how to bring statements in compliance with applicable rules.