Bradley Arant Boult Cummings, LLP

Spencer Mobley represents financial services clients throughout the country with a focus on resolving issues arising from the enforceability of mortgage liens and note obligations and borrower-driven litigation. He regularly provides counsel to lenders, mortgage servicers, and banks to help maximize recovery and mitigate mortgage loan losses through recoupment efforts involving title insurance, closing protection letters, mortgage insurance and the exercise of mortgage lien rights.

Due to the wide and varied nature of issues bearing on the validity, enforceability and priority of mortgage liens, Spencer takes a creative, solutions-based approach to each matter. Through negotiation and litigation of insurance and real property claims, he has helped clients recoup millions of dollars and resolved title issues to enable clients to exercise their lien rights. Through his involvement in the American Bar Association’s Title Insurance Litigation Committee, Spencer stays apprised of new developments in real property and title insurance law. He has also presented to the committee regarding title insurance issues from a lender’s perspective.

Spencer has defended lawsuits brought against mortgage lenders and servicers involving allegations of wrongful foreclosure, negligent loan servicing, deceptive trade practices and inaccurate credit reporting. In addition to financial services, he also maintains a general litigation practice, representing clients in products liability, construction defect and commercial disputes in litigation and arbitration proceedings.

Bar Admissions

• Alabama, 2012
• Minnesota, 2014

• Supreme Court of Alabama
• Minnesota Supreme Court
• United States District Court, Northern District of Alabama
• United States District Court, Middle District of Alabama
• United States District Court, Southern District of Alabama

Education

• University of Alabama School of Law, J.D., 2012, magna cum laude; Hugo Black Scholar; Articles Editor, Alabama Law Review; Member, Moot Court Board; Jessup International Law Moot Court Team
• Hampden-Sydney College, B.A., 2009, summa cum laude; Phi Beta Kappa; Omicron Delta Kappa