What ZBS Law does

ZBS Law, LLP is a private, Irvine, California-based law firm founded in 1990 that specializes in creditor rights and default legal services for the financial services industry. The firm operates as both a law firm and a licensed trustee, enabling in-house handling of foreclosure matters from initiation through resolution without third-party handoff. Its service portfolio spans twelve practice areas including bankruptcy and creditor rights, judicial and non-judicial foreclosure, eviction, general and complex litigation, title curative, auto loans and replevin, loss mitigation, credit union legal services, regulatory compliance, transactions, general business representation, and employment law defense.

The firm delivers services through five physical offices covering California, Arizona, Nevada, Oregon, and Washington, with expanded default servicing in Texas, Idaho, Utah, Colorado, New Mexico, Oklahoma, Arkansas, and Tennessee, and nationwide bankruptcy claims-related services. Technology adoption centers on integrations with industry-standard default-servicing and GSE platforms (LoanSphere/LPS, VendorScape, TEMPO, Equator, Fannie Mae DRA, Freddie Mac ADR, VA VIP Portal, HUD Yardi Systems, Legal Tracker, NoteFlow, iMailTracking, RES.NET, AllRegs) rather than proprietary AI or automation systems. The team is led by Founding Partner Les Zieve alongside Managing Partners across litigation, foreclosure, bankruptcy, and client relations functions, with the firm claiming over 200 years of combined legal experience.

ZBS generates revenue through two streams: fixed-fee billing for bankruptcy, foreclosure, and eviction services, aligned with fee schedules promulgated by Fannie Mae, Freddie Mac, FHA, and VA; and hourly billing for litigation and transactional matters. Its customer base is exclusively B2B, comprising institutional lenders, mortgage servicers, credit unions, banks, private beneficiaries, auto lenders, and commercial clients, acquired through direct engagement, industry referrals, and participation in associations such as the Mortgage Bankers Association, California Trustees Association, and United Trustees Association. Revenue and contract values are not publicly disclosed.

Name

ZBS Law

Legal name

ZBS Law, LLP

Website

https://zbslaw.com

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

11–50 employees

Short description

ZBS Law, LLP is a private Irvine, California-based law firm founded in 1990 that provides creditor rights, foreclosure, bankruptcy, eviction, litigation, and compliance legal services to institutional lenders, servicers, credit unions, banks, and auto lenders across the Western United States, operating as both a law firm and a trustee.

Ownership category

akta.pro rank

Product category

Legal Services — Creditor Rights and Default Servicing

akta.pro primary industry

Ancillary/Default Services Management (Property Preservation/Insurance Claims/Inspections) (FSALAEAL)

akta.pro secondary industry

CMBS Conduit Lending (FSALADAF)

Keywords

• Creditor rights law
• Foreclosure legal services
• Bankruptcy creditor representation
• Mortgage default servicing
• Eviction and title curative

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Fixed Fee Legal Services: Most bankruptcy, foreclosure, and eviction services are provided on a fixed fee basis, aligned with fee schedules promulgated by Fannie Mae, Freddie Mac, FHA, and VA.
2. Hourly Fee Legal Services: Litigation and transactional services are billed on an hourly fee basis.

Pricing tiers

Distribution channels2 records

Marketing channels3 records

Core offering

ZBS Law provides default and creditor-rights legal services to institutional lenders, mortgage servicers, credit unions, and banks, including foreclosure (judicial and non-judicial), bankruptcy and creditor rights, eviction, litigation, title curative, auto loans and replevin, loss mitigation, and regulatory compliance. The firm also serves as a foreclosure trustee in California, enabling integrated default-servicing workflow from referral through resolution. Most bankruptcy, foreclosure, and eviction matters are billed on fixed fees aligned with Fannie Mae, Freddie Mac, FHA, and VA fee schedules, while litigation and transactional matters are billed hourly.

Product overview

ZBS Law, LLP is a law firm providing comprehensive default legal services to institutional lenders, servicers, credit unions, banks, and financial service industry stakeholders throughout the Western United States. The firm operates as a unified legal practice with specialized departments including Bankruptcy and Creditor Rights, Foreclosure, Litigation, Eviction, Auto Loans and Replevin, Loss Mitigation, Title Curative, Transactions, Credit Union Services, Compliance, and Employment Law. The practice offers services in California, Arizona, Nevada, Oregon, and Washington, with additional bankruptcy claims and default services in Texas, Idaho, Utah, Colorado, New Mexico, Oklahoma, Arkansas, and Tennessee.

Differentiator

Problem solved

Functional benefit

Products and services

• Bankruptcy and Creditor Rights Services Comprehensive bankruptcy legal services handling matters under the United States Bankruptcy Code, including Chapter 7, Chapter 13, and Chapter 11 proceedings, motions for relief, proof of claims, plan review and objection, adversary proceedings, and discharge review for creditors.
• Foreclosure Services Judicial and non-judicial foreclosure representation in residential, commercial, and mobile-home contexts, including title curative, loss mitigation, loan modifications, short sales, deeds in lieu of foreclosure, and senior lien monitoring for loan servicers, lenders, and investors.
• Litigation Services General and complex litigation for default, real estate, and lender-liability matters, including quiet title, breach of contract, unfair business practices, fraud, FDCPA violations, RESPA, TILA, HOEPA, FCRA, insurance coverage, and title matters in state, federal, and appellate courts.
• Eviction Services Post-foreclosure and landlord-tenant unlawful-detainer services, including eviction milestone reporting, occupancy status review, post-foreclosure demands, and resolution of rent-control and habitability issues in coordination with the firm's Foreclosure, Litigation, and Bankruptcy teams.
• Auto Loans & Replevin Services Automotive loan and replevin representation for lenders, servicers, credit unions, and automotive finance companies, including bankruptcy claims, valuation defense, and asset-recovery litigation.
• Loss Mitigation Services Loss-mitigation programs facilitating foreclosure alternatives such as forbearance agreements, deeds in lieu of foreclosure, loan modifications, and short sales for lenders and servicers.
• Title Curative Services Title litigation and claims services including tendering title claims, quiet title actions, title reformation suits, lien priority disputes, mechanics liens, easements, and fraudulent conveyances.
• Transactions and General Business Representation Contractual and business-transaction services for public and private businesses of all sizes, including contract negotiation, lease-related claims, transactional document agreements, retail and business disputes, entity formation, and employment matters.
• Credit Union Legal Services Comprehensive legal services for credit unions including residential and commercial mortgage default servicing, foreclosure, eviction, bankruptcy, complex litigation, regulatory compliance, and automobile repossession.
• Compliance Services Regulatory-compliance guidance for lenders and servicers, including compliance-process reviews, document updates, regulatory updates, system analysis, and CFPB compliance analysis.
• Employment Law Defense Employment law defense for employers against workplace claims including wrongful termination, discrimination, constructive dismissal, unpaid wages, and retaliation.

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Others

• United Trustees Association: Industry association for trustees handling foreclosure and default matters. Relevant ecosystem organization given ZBS's dual law firm and trustee operating model.
• Mortgage Bankers Association: Industry trade association of which ZBS is a member through its partners. Not a peer but a relevant ecosystem organization that shapes default servicing standards and GSE-aligned practices ZBS operates under.

Direct peers

• McCalla Raymer Leibert Pierce, LLC: National default services law firm serving mortgage servicers and investors across foreclosure, bankruptcy, eviction, and title curative. Directly comparable to ZBS in core practice areas and institutional client base, with significantly larger national footprint.
• Aldridge Pite, LLP: Multi-state default and creditor rights law firm with practices in foreclosure, bankruptcy, litigation, and compliance. Comparable to ZBS in service breadth, GSE-aligned operations, and institutional client focus.
• Shapiro & Cejda, LLC: Creditor rights and foreclosure law firm serving lenders and servicers in default matters including foreclosure, bankruptcy, and title. Directly comparable to ZBS in practice focus and institutional client base.
• Phelan Hallinan Diamond & Jones, LLC: Regional default services and creditor rights firm serving institutional lenders and servicers across foreclosure, bankruptcy, and eviction. Directly comparable to ZBS in service line and target clients, with stronger East Coast concentration.
• Robertson, Anschutz & Schneid, PL: Multi-state creditor rights firm providing foreclosure, bankruptcy, eviction, and real estate default legal services to banks, servicers, and investors. Directly competes with ZBS for institutional default servicing mandates.
• Barrett Daffin Frappier Turner & Engel, LLP: Large multi-state creditor rights and default services law firm handling foreclosure, bankruptcy, eviction, and title work for institutional lenders and servicers. Closely comparable to ZBS in service mix and GSE-aligned fee model, with broader geographic reach.
• Mackie Wolf Zientz & Mann, P.C. National default services law firm with foreclosure, bankruptcy, REO, and title practices serving institutional mortgage clients. Comparable to ZBS in core default services and GSE-aligned workflows.

Broad incumbents

• Lender Processing Services (Black Knight LoanSphere): Large technology and services provider to the mortgage industry whose LoanSphere platform ZBS integrates with. Adjacent rather than directly competing, but a key ecosystem partner whose foreclosure workflow tools shape ZBS's service delivery.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ZBS Law