Profile
4th Floor
Washington, DC 20006
Julia represents businesses in the consumer financial services industry facing consumer arbitrations and individual and class action litigation arising under the Fair Credit Reporting Act, Federal Debt Collection Practices Act, Truth in Lending Act, Holder Rule, California Legal Remedies Act, prohibitions on unfair and deceptive acts and practices, and other federal and state consumer protection laws. She has secured favorable jury verdicts, judgments, arbitration awards, and individual and class settlements in a variety of federal and state trial and appellate courts and arbitration fora. She also represents businesses that are under investigation or enforcement action by federal or state agencies, including the Consumer Financial Protection Bureau and state attorneys general.
Prior to joining Hudson Cook, Julia was a partner with a large national firm where she represented businesses across many industries in consumer, complex commercial, and intellectual property litigation and arbitration. She also advised businesses on compliance with consumer protection and online advertising laws.
From 2008 to 2009, Julia served as a law clerk to The Honorable William D. Missouri (Ret.), Chief Judge of the Seventh Judicial Circuit of Maryland, Administrative Judge of the Circuit Court for Prince George's County.
Julia received her J.D. from The Catholic University of America, Columbus School of Law. She earned her B.A. (cum laude) from George Mason University. She is admitted to practice in Virginia, Maryland, and the District of Columbia.
Co-chair, American Bar Association, Section of Litigation, Woman Advocate Committee
Member, American Bar Association, Sections of Litigation and Business Law
Member, National Asian Pacific American Bar Association
Member, Asian Pacific American Bar Association - DC
Member, Women in Housing Finance
Former Chair and Member, DC Bar, Litigation Community Steering Committee
- "The Long and Winding Road - The Latest in Legal," National Automotive Finance Association's Annual Conference, June 2022
- "The Road to Authenticity: Diverse Perspectives on Navigating a Fulfilling Legal Career, National Asian Pacific American Bar Association Convention, Indianapolis, IN, November 2023
- "Preparing for a Government Investigation or Consumer Litigation," National Automotive Finance Association's Annual Conference, June 2024
- "Litigation Lessons: Spring Edition," Hudson Cook Webinars, May 2022
- "Government Enforcement and Litigation Updates," National Automotive Finance Association's Power 30 Webinar Series, March 2024
- "The Road to Authenticity: Diverse Perspectives on Navigating a Fulfilling Legal Career," National Asian Pacific American Bar Association Convention, November 2023
- "Government Enforcement and Litigation Updates," National Automotive Finance Association's Power 30 Webinar Series, November 2023
- "Consumer Litigation and Arbitration Trends and Risk Mitigation Strategies," Hudson Cook/CounselorLibrary's 2023 Financial Services Conference, October 2023
- "Clear and Conspicuous - Latest in Legal," National Automotive Finance Association's Annual Conference, June 2023
- "Auto Litigation Updates: Avoiding Litigation and Managing Exposure," Hudson Cook/CounselorLibrary's 2022 Financial Services Conference, October 2022
- "Potential Liability in California for Attorney's Fees Following Pulliam v. HNL Auto," CCFL Consumer Financial Services Conference, October 2022
- "I Got 99 Problems, but a CID Ain't One," Professional Background Screening Association Annual Conference, September 2022
- "Government Enforcement and Litigation Updates, NAF Association Power 30 Webinar Series, November 2023
- "Clear and Conspicuous - Latest in Legal," National Automotive Finance Association's Annual Conference, June 2023
- "Potential Liability in California for Attorney's Fees Following Pulliam v. HNL Auto," The Conference on Consumer Finance Law's Consumer Financial Services Conference, October 2022
- "I Got 99 Problems, but a CID Ain't One," Professional Background Screening Association's Annual Conference, September 2022
- "Don't Shoot Yourself in the Foot but Shield Yourself From Attack: Smart, Easy Solutions to Protect and Strengthen Your Subscription Business," Subscription Trade Association - Women in Subscription Virtual Event, September 2020
- "Financial Experts: What Your Attorney Wants You to Know," National Association of Certified Valuators and Analysts - Virginia State Chapter Meeting, December 2019
- "'That's Unfair!' Navigating CFPB Scrutiny and Consumer Protection Challenges in the Gaming Industry," Hudson Cook Insights, June 2024, co-authored with Jason Esteves and Justin Hosie
- "CFPB Imposes Bans from Reverse Mortgage Servicing, $11.5 Million Restitution, and $5 Million in Civil Money Penalties for Mishandling Communications with Borrowers," Hudson Cook Enforcement Alerts, June 2024, co-authored with Erik Kosa
- "To Litigate or to Arbitrate: That Is the Question!" Hudson Cook Insights, May 2024, co-authored with Gabriela Chambi
- "Feeding the Loot Box Monster: The CFPB's Concerns with Payment Transmission in Gaming," Hudson Cook Insights, May 2024, co-authored with Justin Hosie and Jason Esteves
- "'OVER THE LINE!' Where Banking and Gaming Intersect, the CFPB Has Something to Say." Hudson Cook Insights, May 2024, co-authored with Justin Hosie and Jason Esteves
- "CFPB Imposes Ban from Consumer Lending Activities and $164,000 Penalty on For-Profit Vocational School and Its Founder for Hiding Loan Costs from Students," Hudson Cook Enforcement Alerts, April 2024, co-authored with Erik Kosa
- "FTC and Connecticut Sue Dealership and Its Owners and Managers for Alleged Federal and State Law Violations," Spot Delivery, January/February 2024
- "CFPB Imposes Industry Ban on Medical Debt Collector," Hudson Cook Enforcement Alerts, December 2023, co-authored with Kristen Yarows
- "CFPB Fines Fintech Installment Lender $15 Million for Alleged Consent Order Violations," Hudson Cook Enforcement Alerts, November 2023, co-authored with Kristen Yarows
- "Back to School: A Lesson on the Materially Misleading Debt Collection Standard," Hudson Cook Insights, September 2022
- "The FTC Holder Rule: A Ceiling, a Floor, or Both?" CCFL Quarterly Report, 2022, volume 76, numbers 1&2
- "It Takes Two to Tango: Steps a Finance Company Can Take to Protect Its Toes from a Dealership Partner with Two Left Feet," Hudson Cook Insights, July 2022, co-authored with Gabriela Chambi
- "A Generic.com Term is Not Per Se Generic," Gordon & Rees Intellectual Property Blog - IP Blitz, July 2020
- "Avoiding Unintentional Waiver of a No-Waiver Clause: Will a boilerplate no-waiver clause preserve a party's rights when it has acquiesced to non-conforming performance?" American Bar Association, Contract Boilerplate Series, April 2019
The Catholic University of America, Columbus School of Law, J.D., 2008
Comparative and International Law Institute Certificate
George Mason University, B.A., Government and International Politics, cum laude, 2003
California, 2023
District of Columbia, 2010
Maryland, 2008
Virginia, 2009
U.S. Court of Appeals for the Fourth Circuit
U.S. Court of Appeals for the Fifth Circuit
U.S. Court of Appeals for the Ninth Circuit
U.S. Court of Appeals for the Eleventh Circuit
U.S. District Court for the Central District of California
U.S. District Court for the District of Columbia
U.S. District Court for the District of Maryland
U.S. District Court for the Eastern District of Virginia
U.S. District Court for the Western District of Virginia