Ms. Herzik concentrates her practice in complex civil litigation with particular emphasis in the areas of consumer and mortgage finance law and banking. She also has extensive experience in bank and mortgage company licensing and regulatory compliance, including compliance with and litigation concerning the Truth in Lending Act (TILA), Real Estate Settlement and Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Fair Housing Act (FHA), and other related consumer finance and lending discrimination statutes at the state and federal level.

Kelly represents numerous banks, mortgage and other lenders, mortgage brokers and mortgage servicing companies on a national level, and has litigated cases across the country. She also has in-depth knowledge and experience in complex mortgage loan trusts, and routinely advises clients concerning their rights and obligations under the Pooling and Servicing Agreements for these trusts.

In addition, Kelly has a background in construction law and federal acquisition contracts with emphasis in reviewing and drafting contracts, negotiating and resolving claims and disputes, consulting on environmental issues, and litigating claims in all these fields. She is licensed to practice law in both Kansas and Texas, and routinely represents clients in both state and federal courts nationwide.

Areas of Practice:
• Civil Litigation
• Commercial Litigation
• Construction Law
• Banking
• Financial Services

Education:
• Texas A&M University, BA Modern Languages, French; BBA, Marketing, 1988
• University of Houston, JD 1993

Professional Background:
• State Bar of Texas, 1993
• Kansas Bar, 2000
• Admitted to various Federal District Courts
• National Merit Scholar
• Executive Editor, Houston Journal of International Law
• Recipient, Lechner Fellowship
• Member: Wichita, Kansas, Texas and American Bar Associations