Bonial & Associates

What Bonial & Associates does

Bonial & Associates, P.C. is a Dallas, Texas-based creditors' rights law firm founded in 1989 that provides default management legal services to enterprise creditors across all 50 states. Its client base concentrates in banking, mortgage servicing, credit unions, and consumer finance, with disclosed relationships covering six of the nine largest U.S. banks and three of the five largest mortgage servicers, plus remediation audits that have satisfied Office of the Comptroller of the Currency (OCC) consent orders and United States Trustee requirements. The firm is a certified Women's Business Enterprise and LGBT Business Enterprise (LGBTBE).

The practice is organized around three integrated service lines: Nationwide Bankruptcy Services (proofs of claim, plan reviews and objections, motions for relief from stay, payment compliance monitoring, reaffirmation agreements, bankruptcy loss mitigation, adversary proceedings, discharge audits), Foreclosure and Related Litigation Services (non-judicial and judicial foreclosure processing, loss mitigation, title resolution, eviction and probate processing), and Audit and Bankruptcy Transaction Reconciliation Services (post-petition payment analysis, proof of claim validation, acquisition and remediation audits). Underpinning the practice are two proprietary systems — a Bankruptcy Tracking System for monitoring cases across jurisdictions and a Bankruptcy Rules Engine for automating compliance with federal bankruptcy procedures — combined with enterprise technology infrastructure including document management and indexing, data analytics, customized case/portfolio reporting, and electronic billing integration.

Bonial operates a professional services, quote-based pricing model with engagement terms determined by case complexity, jurisdiction, and volume. Distribution runs through six full-service operations offices (Dallas, St. Louis, Oklahoma City, Omaha, Overland Park, San Ramon) and seven bankruptcy-dedicated offices, supplemented by a curated network of local counsel partnerships enabling nationwide coverage. Go-to-market is enterprise field sales-led, supported by an active LinkedIn presence, content marketing (industry news and bankruptcy filing statistics), membership in 40+ industry associations (ABI, ABA, MBA, NACTT, Legal League 100), and direct client compliance communications. Leadership includes Managing Director Hilary Bonial (firm founder, with the practice since 1989), Shareholders Paul Cervenka and Wes Kozeny, Shareholder and General Counsel Braden Barnes, Shareholder Abbey Dreher (Executive Director of Client Experience; co-chair, NACTT Mortgage Creditor Committee), and EVP Jim O'Reilly, whose 35+ years of senior leadership at CitiMortgage, Countrywide, and Wells Fargo anchors the firm's client-side credibility.

Name

Bonial & Associates

Legal name

Bonial & Associates, P.C.

Website

https://bonialpc.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

101–250 employees

Short description

Bonial & Associates, P.C. is a Dallas-based creditors' rights law firm founded in 1989 providing nationwide bankruptcy representation, foreclosure and related litigation, and audit services to banks, mortgage servicers, credit unions, and finance companies across all 50 states.

Ownership category

akta.pro rank

Product category

Creditors' Rights Legal Services

NAICS

Offices of Lawyers (541110), Legal Services (5411)

SIC

Services-Legal Services (8111)

akta.pro primary industry

Bankruptcy, Restructuring & Insolvency Law (BPAHAAAH)

akta.pro secondary industry

Insolvency, Restructuring & Bankruptcy Administration (BPAHABAL)

Keywords

• Creditor bankruptcy representation
• Foreclosure litigation services
• Bankruptcy transaction audits
• Default management legal
• Creditors rights law

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices15 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Bankruptcy Legal Services: Comprehensive bankruptcy representation services including proofs of claim, plan reviews and objections, motions for relief from stay, payment compliance monitoring, reaffirmation agreements, bankruptcy loss mitigation, adversary proceedings and litigation, and discharge audits
2. Foreclosure and Related Litigation Services: Full-service foreclosure representation including non-judicial and judicial foreclosure processing, loss mitigation, foreclosure alternatives, title resolution, litigation, probate and eviction processing
3. Audit & Bankruptcy Transaction Reconciliation Services: Audit services for banks and mortgage servicers including assessment of bankruptcy case status, payment analysis, court-ready post-petition payment histories, proof of claim validation, and acquisition audits

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Bonial & Associates, P.C. is a Texas-based law firm providing creditor representation in bankruptcy and foreclosure matters across all 50 states. The firm offers three integrated service lines: Bankruptcy Services (proofs of claim, plan reviews, relief from stay motions, loss mitigation, adversary proceedings, discharge audits), Foreclosure and Related Litigation Services (non-judicial and judicial foreclosure, title resolution, eviction, probate), and Audit & Bankruptcy Transaction Reconciliation Services (post-petition payment history analysis, proof of claim validation, acquisition audits, and OCC/U.S. Trustee remediation audits).

Product overview

Bonial & Associates, P.C. is a law firm providing default management legal services for creditors, built on a platform combining proprietary technology with legal expertise. The core offering consists of three integrated service lines: Bankruptcy Services (nationwide), Foreclosure & Related Litigation Services, and Audit & Bankruptcy Transaction Reconciliation Services. The firm differentiates itself through two proprietary technology systems — the Bankruptcy Tracking System and the Bankruptcy Rules Engine — which power its nationwide bankruptcy practice and support customized case reporting and technology infrastructure modules. These are delivered alongside a curated network of local counsel across all 50 states for full national coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Bankruptcy Services

Quantifiable outcome

• Satisfied Consent Orders from Office of Comptroller of Currency and United States Trustee's Executive Office for clients through remediation project audits
• +1 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Nine partnerships are on record, tiered minor.

• American Bankruptcy InstituteminorOthersProfessional membership organization for bankruptcy professionals providing industry resources, education, and networking opportunities.
• American Bar AssociationminorOthersProfessional membership organization for attorneys providing resources, standards, and professional development.
• Mortgage Bankers AssociationminorOthersTrade association for mortgage banking professionals providing industry advocacy and standards.
• National Association of Chapter 13 TrusteesminorOthersProfessional association for Chapter 13 bankruptcy trustees providing education, advocacy, and practice resources.
• National Association of Bankruptcy TrusteesminorOthersProfessional association for bankruptcy trustees supporting education and best practices in bankruptcy administration.
• National LGBT Chamber of CommerceminorOthersCertifying body for LGBT Business Enterprises, granting firm LGBTBE certification status.
• Legal League 100minorOthersProfessional association of default services law firms providing industry standards and advocacy.
• United Trustees AssociationminorOthersTrade association for trustees and default professionals providing advocacy and industry resources.
• American Legal & Financial NetworkminorOthersNetwork of legal and financial professionals providing industry resources and best practices.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Trott Law Group: One of the largest US creditors' rights and default services law firms, representing major banks and servicers in bankruptcy and foreclosure matters nationwide. Closest direct competitor in the enterprise-scale creditor representation category.
• Padgett Law Group: Texas-based default services and creditors' rights firm with significant foreclosure and bankruptcy representation volume for mortgage servicers and banks. Comparable in geographic anchoring and customer mix.
• Robertson, Anschutz, Vetch & Crenshaw (RAV Law): National default services law firm handling foreclosure, bankruptcy, eviction, and title work for major banks and servicers. Direct competitor in the multi-state creditor representation market.
• McCarthy & Holthus: Multi-state creditors' rights and default services firm with comparable bankruptcy, foreclosure, and litigation practices serving large institutional creditors.
• The Wolf Firm: California-anchored default services law firm handling bankruptcy, foreclosure, and eviction matters for institutional lenders. Comparable in scope of creditor-side practice.
• Buckley Madole: Creditors' rights and default services firm serving national banks, servicers, and consumer finance clients with bankruptcy, foreclosure, and related litigation.
• Dunkin Law Group: Default services and creditors' rights firm with a comparable mix of bankruptcy, foreclosure, and eviction work for institutional creditors.
• ZBS Law: National creditors' rights firm providing bankruptcy, foreclosure, and title-related services to banks and mortgage servicers across multiple states.
• Reimer Law: Creditors' rights and default services firm serving institutional lenders with bankruptcy and foreclosure representation, comparable in scale and customer profile.

Broad incumbents

• Holland & Knight: Large full-service law firm with a financial services practice that includes creditor-side bankruptcy and default work for major banks. Broader and deeper than Bonial, but overlaps in serving large institutional creditors on default matters.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/bonial-associates-p-c

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Bonial & Associates