Mike Blalack's practice focuses on:

• Credit Union Law
• Consumer Collections
• Collections Litigation
• Consumer Finance Law
• Consumer Finance and Collections
• Seminars and Training

Mike Blalack is a founding shareholder and principal of Blalack & Williams. Since 1975, Mr. Blalack has focused exclusively on the representation of state and federal credit unions, concentrating in the following areas:

• Lending and deposit account system development
• Consumer credit and collection issues
• Collections litigation
• Truth in lending
• Secured transactions
• Bank deposits and collections

Mike Blalack was instrumental in the development of many of the earliest open-end credit products in the industry. He is a frequent lecturer for state credit union leagues, trade associations, credit union chapters and individual financial institutions. He also provides frequent counsel to financial institutions on matters affecting directors' and officers' duties and responsibilities.

Southern Methodist School of Law, Dallas, TX, 1975, J.D..
Stephen F. Austin State University, Nacogdoches, TX, 1972, B.A.

Charles Williams' practice focuses on:

• Credit Union Law
• Consumer Finance Law
• Bankruptcy Law - Creditor Representation
• Financial Institutions - State and Federal
• Regulatory Issues
• Loan and Deposit Account Systems
• Policy Development

Charles Williams is a founding shareholder and principal of Blalack & Williams. For over 35 years, he has represented credit unions and financial service providers in matters involving:

• State and federal regulatory affairs
• Lending and deposit account systems and policy development
• Bankruptcy
• Consumer credit
• Development of lending and account forms
• Formulation and maintenance of contractual relationships with credit union vendors and service providers

Mr. Williams is also a nationally recognized lecturer and instructor for state credit union leagues, trade associations, credit union chapters, and individual financial institutions addressing:

• Bankruptcy issues
• Deposit and lending compliance topics
• Operational, managerial and regulatory issues

Southern Methodist School of Law, Dallas, TX, 1977, J.D.
Vanderbilt University, Nashville, TN, 1974, B.A.

Sharon Sjostrom's practice focuses on:

• Bankruptcy Law-Creditor Representation
• Credit Union and Consumer Finance Law
• Consumer Collection Litigation

Sharon Sjostrom joined Blalack and Williams in 1989, and since that time has developed a widely acknowledged expertise in the area of debtor and creditor law. Sharon is the senior manager of the firm's extensive creditor bankruptcy practice coordinating the representation of scores of financial institutions across the Southwest and all districts throughout the State of Texas. Her practice involves:

• Bankruptcy
• Drafting and development of deposit account products and disclosure
• Automatic stay litigation
• Lien avoidance
• Regulatory compliance
• Truth in lending issues
• Contract negotiation

Baylor University School of Law, Waco, TX 1988, J.D.
Baylor University, Waco, TX, 1986, B.A.

Randy Roberts' practice focuses on:

• Consumer and Commercial Litigation
• Dispute Resolution

Randy Roberts joined the firm in 1992. Since being licensed in 1977, his primary practice areas have been civil and commercial litigation and dispute resolution. Mr. Roberts provides counsel to credit unions and other commercial clients with disputes that may arise in the course of their operations. His broad range of litigation experience includes:

• Lender liability claims
• Class action suits
• Commercial fraud actions
• Trade secret and unfair competition litigation
• Contract disputes
• Employer-employee relations
• Consumer litigation
• Intellectual property rights

Mr. Roberts assists clients in exploring creative and innovative ways to resolve, or preferably avoid, business disputes. He is certified in civil trial law by the Texas Board of Legal Specialization and is licensed to practice before:

• All trial and appellate courts in the State of Texas
• Federal courts in the Northern and Eastern Districts of Texas
• Fifth Circuit Court of Appeals
• United States Supreme Court

Southern Methodist School of Law, Dallas, TX, 1977, J.D.
University of Dallas, Dallas, TX, 1974, B.A.,

Mark Kazemba's practice focuses on:

• Credit Union Law
• Consumer Finance Law
• Financial Institutions - State and Federal
• Regulatory Issues
• Loan and Deposit Account Systems
• Policy Development
• Seminars and Training

Mark Kazemba concentrates his practice at Blalack & Williams on consumer financial services regulatory compliance issues. Prior to joining the firm, Mark served as in-house compliance counsel at a one billion dollar credit union. Mr. Kazemba advises financial institutions and vendors on complying with the myriad laws and regulations affecting deposit and loan operations, including:

• USA Patriot Act
• Gramm-Leach-Bliley Act and privacy regulations
• Fair Credit Reporting Act
• Equal Credit Opportunity Act
• Electronic Funds Transfer Act
• Truth in Savings Act
• Truth in Lending Act
• Credit card compliance
• Electronic banking
• Indirect lending issues

Mr. Kazemba is a member of the Texas Association of Bank Counsel, the Conference on Consumer finance Law, the Dallas Area Compliance Association as well as membership chairman for the Credit Union Committee of the American Bar Association's Business Law Section.

University of Mississippi School of Law, Oxford, MS, 1990, J.D.
Rhodes College, Memphis, TN, 1987, B.A.

Chris Blalack's practice focuses on:

• Bankruptcy Law-Creditor Representation
• Litigation
• Credit Union and Consumer Finance Law

Chris Blalack's practice at Blalack and Williams is focused in the area of collections, collection litigation and bankruptcy. Since 2004, Chris has lead the Charge off Collections Division at Blalack and Williams. He has created and organized firm guidelines, procedures, techniques and methodology for the Charge Off and Collections Litigation units where he:

• Manages debt collection, fair credit reporting and garnishments
• Ensures compliance with FDCPA and TDCA regulations
• Oversees prompt reporting and comprehensive monthly accounting for the firm's clients

Chris Blalack is a member for the Federal Bar of the Northern, Southern, Western and Eastern Districts of Texas. He has received post-graduate training in Professional Practices Management Systems prescribed by ACA International.

University of Oklahoma School of Law, Norman, OK, 2001, J.D.
University of Oklahoma, Norman, OK, 1997, B.A.

Tom Sharp's practice focuses on:

• Bankruptcy Law-Creditor Representation
• Litigation
• Credit Union and Consumer Finance Law

Since joining the firm in 1998, Tom Sharp has focused on representing financial institutions and other lenders in bankruptcy and consumer litigation. His experience in bankruptcy representation includes:

• Automatic stay
• Plan objections and claims litigation
• Complex adversary proceedings and claims
• Plan and reaffirmation negotiation

Tom Sharp has appeared before federal judges in every district in the State of Texas and is a member of the Federal Bar of the Northern, Southern, Western and Eastern Districts of Texas. He litigates federal and state cases involving:

• Asset seizure
• Garnishment
• Home equity and real estate foreclosures
• Probate

John Marshal Law School, Chicago, IL, 1994, J.D.
Baylor University, Waco, TX, 1991, B.A.

Rob Woodcock's practice focuses on:

• Consumer and Commercial Litigation

Since joining Blalack and Williams in 2002, Rob Woodcock's practice has focused on servicing all litigation needs of the firm's clients, concentrating on creditor's rights litigation and collections. Rob is licensed to practice in all four federal bankruptcy courts in Texas, focusing on adversary matters and trials, In state court, his practice includes:

• Collections
• Garnishments
• General civil litigation
• Sequestrations
• DTPA and FDCPA defense
• Wrongful termination defense
• Seizure suits
• Foreclosures

Mr. Woodcock is well-versed in all aspects of litigation, including the full range of motion and discovery practice, in addition to conducting both bench and jury trials. He, like other attorneys in this firm, maintains an interest in pro bono work and assists low-income individuals in the local area with their legal concerns.

Texas Tech University School of Law, Lubbock, TX, 1998, J.D.
University of Texas at Arlington, Arlington, TX, 1996, B.A.,

Tom Duke's practice focuses on:

• Credit Union and Consumer Finance Law
• Commercial and Residential Real Estate Law
• Transactions and Contracts
• Seminars and Training

Tom Duke has over twenty years experience in the financial services industry. Prior to joining Blalack & Williams in 1996, he served as Assistant General Counsel and Compliance Officer of a major Texas bank holding company. During the banking crisis of the early 1990's, Mr. Duke was employed by the FDIC to document the foreclosure and sale of both commercial and real estate properties. At Blalack & Williams, Mr. Duke assists the firm's clients with diverse projects including:

• Foreclosure on mortgage loans and Home Equity loans
• Document development for consumer, investment and rental property loans
• Review of vendor contracts and loan agreements
• Home Equity, Mortgage, and Home Improvement lending

Mr. Duke provides extensive training for credit unions in all areas of Home Equity lending and is a frequent speaker at Home Equity seminars throughout the state of Texas.

Baylor University of Law, Waco, TX, 1979, J.D.
Austin College, Denison, TX, 1976, B.A.

Anna Williams Adamo's practice focuses on:

• Credit Union Law
• Consumer Collections
• Collections Litigation
• Consumer Finance Law

Anna Williams Adamo focuses her practice on the representation of financial institutions in the areas of collections law, collections litigation, corporate governance, and creditors rights. Anna joined the firm in 2016 and works extensively in Texas courts representing financial institutions on numerous matters including:

• Garnishments
• Receiverships
• General Civil Litigation
• Sequestrations

Ms. Adamo is a lifelong resident of Texas. She obtained her undergraduate degree at the University of North Texas and her Law Degree from the Dedman School of Law at Southern Methodist University.

Dedman School of Law, Southern Methodist University, Dallas, TX, 2015, J.D.
University of North Texas, Denton, TX, 2004, B.A.