Stephen Collins

, Shareholder

p - 205.930.5138
f - 205.212.3843


Stephen represents national mortgage lenders, servicers, and investors in the areas of mortgage banking law, real estate litigation, consumer finance, bankruptcy law, and title insurance law. He frequently speaks at educational seminars for mortgage banking attorneys and business managers across the country, and he conducts seminars and training sessions at client offices throughout the United States. Since 2008, Stephen has served as the Marketing Partner for Sirote.

Awards & Accreditations

  • Best Lawyers in America©
  • AV-Preeminent, Martindale-Hubbell® Peer Review Rating


  • The Best Lawyers in America©
    • Mortgage Banking Foreclosure Law, 2010-16
    • Real Estate Law, 2013-16
  • AV-Preeminent, Martindale-Hubbell® Peer Review Rating


  • USFN Board of Directors, Legal Issues Committee
    • Awarded Committee Chair of the Year
    • Served on Planning Committee, 2004-2000
  • USFN Advisory Board, the group meets with executives in the mortgage servicing industry to address current issues and developments
  • Birmingham, Alabama and Georgia Bar Associations
  • American Bar Association
    • Real Property, Probate & Trust Section
  • Mortgage Bankers Association of America (MBA), Legal Issues Committee
  • Mortgage Bankers Association of Alabama

Cumberland School of Law

JD, 1993

Auburn University

BA, 1989

  •     Co-Author, "Pino v. Bank of New York Mellon", inSight: Mortgage Law, February 2013
  •     Co-Author, "Mortgage Assignments, Quiet Title and More", inSight: Mortgage Law, December 2012
  •     Co-Author, "TILA Decisions", inSight: Mortgage Law, November 2012
  •     Co-Author, "TILA, MERS Systems and More", inSight: Mortgage Law, October 2012
  •     Co-Author, "MERS, Foreclosure Complaints and Moran Alleen Test", inSight: Mortgage Law, September 2012
  •     Co-Author, "Lender's Standing, Proposed Servicing Rules and More", inSight: Mortgage Law, August 2012
  •     Co-Author, "First Circuit Reverses Nosek Bankruptcy Court", inSight: Mortgage Law, November 2008
  •     Co-Author, "Subprime Securitization: Easier to Say than it is to Fix", inSight: Mortgage Law, Summer 2008
  •     Speaker, "New CFPB RESPA Rules' Impact on Default Servicing," Phoenix, 2013
  •     Speaker, OCC & AG Settlements' Impact on Mortgage Servicing," Indianapolis & Jacksonville, 2013
  •     Editor, Insight: Mortgage Law, monthly e-newsletter distributed to attorneys in the mortgage industry, 2008-13
  •     Speaker, "Hot Topics in Mortgage Litigation", Jacksonville, Portland & Dallas, 2012
  •     Speaker, "The Impact of Dodd-Frank Act on Mortgage Servicing," Jackson Hole, Portalnd, Dallas & Orlando, 2012
  •     Speaker, "Mortgage Litigation & Legislative Updates," Buffalo, Dallas, Jacksonville, Ocala, Philadelphia, Portland, Simi Valley,    2008-12
  •     Speaker, "Title Insurance Claims Under Mortgage Policy," USFN Legal Issues Seminar for In-House Counsel," Chicago 2010
  •     Speaker, "Mortgage Litigation Trends," USFN Servicing Seminar, 2006-08
  •     Speaker, "Advanced Foreclosure Issues," USFN Servicing Seminar, 2008
  •     Speaker, "Foreclosure & FDCPA," USFN Servicing Seminar, 2008
  •     Speaker, "Title Insurance and Claims Law," USFN Legal Issues Seminar for In-House Counsel
  •     Speaker, "Litigation Affecting Mortgage Servicing," USFN Legal Issues Seminar for In-House Counsel
  •     Author, "Revamped Accounting Rules: A Sign of the Times," Servicing Management, June 2009
  •     Author, "State Statutes: Alabama," National Mortgage Servicer's Reference Directory (NMSRD), 1999-2012
  •     Author, "An Accounting Rule's Indirect Impact," DS News, 2007
  •     Author, "Legal Issues Undate: An End to Prepayment Penalty Preemption Authority for State Housing Creditors?" USFN Report
  •     Author, "Changing Times: They Are Upon Us," USFN Report
  •     Author, "New -- And Not So New -- Challenges," USFN Report

Sirote & Permutt Announces 47 Attorneys Selected as The Best Lawyers in America© for 2016 - 8/17/2015 Read More
Sirote & Permutt Attorneys Included in The Best Lawyers in America© for 2015 - 8/19/2014 Read More
Sirote & Permutt Receives the "2013 USFN Diamond Award of Excellence" - 11/15/2013 Read More
Best Lawyers Recognizes 46 Sirote Attorneys as the "Best Lawyers in America" for 2014 - 8/16/2013 Read More
Best Lawyers Recognizes 43 Attorneys from Sirote & Permutt as the "Best Lawyers in America" for 2013 - 11/5/2012 Read More
Sirote & Permutt Receives the "2012 USFN Award of Excellence" - 10/19/2012 Read More
Sirote Receives 2011 "USFN Award of Excellence" - 10/28/2011 Read More
Sirote Attorneys Jerry Held, Stephen Collins and Don Wright Speak at Mortgage Banking Seminar - 4/19/2011 Read More
Sirote Receives 2010 USFN Award of Excellence - 10/11/2010 Read More
Best Lawyers has selected 32 attorneys from Sirote & Permutt for recognition in The Best Lawyers in America for 2011 - 8/27/2010 Read More
Sirote Receives 2009 USFN Diamond Award of Excellence - 9/28/2009 Read More
31 Sirote Attorneys Listed In Best Lawyers - 8/7/2009 Read More
Sirote Attorneys to Participate in Regional Default Services Seminar for Mortgage Banking Industry - 9/5/2008 Read More
Sirote Shareholders Jerry Held & Stephen Collins Speakers at Mortgage Banking Conference - 4/1/2008 Read More

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