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» VISIT US ONLINE @ DSNEWS.COM 121 Post sale the bank should consider seeking recovery from their deficiency losses in Florida. In this area, the Florida courts are willing to enforce the contract between the borrower and the bank, and Florida law otherwise provides the means to collect the deficiency debt. Westcor Land Title Appoints New COO Westcor Land Title Insurance Company has announced the promotion of EVP/Direc- tor of Agency Scott Chandler to the position of Chief Operating Officer effective immediately. Chandler joined Westcor in 2006 and has held a variety of positions with the company. In his most recent role with Westcor, he was responsible for management and growth of all regional and national operations. As COO of Westcor, Chandler will oversee the operating divisions of the company's core business, including regional operations, the company's National Agency Division, and the Lender Services Division. He will report directly to Westcor President and CEO Mary O'Donnell. Chandler will also continue his leader- ship responsibilities with Westcor's recently acquired Realty Data Company, according to Westcor. "Scott has a great mix of leadership, opera- tional experience and passion for our employ- ees," O'Donnell said. "His experience will be invaluable as we continue to grow." Chandler has worked in the title insur- ance industry since 1983 and has held various leadership roles with national underwriters. His first position with Westcor when he joined the company 10 years ago was Vice President— Western Regional Office in Denver, where he grew the regional operation starting with three employees working in Colorado, Utah, and Nevada, to a hub office with oversight in the Midwest, Texas, and Mountain Region offices. In 2012, Chandler became EVP—Director of Agency with Westcor, which is licensed in 48 states and the District of Columbia and has more than 1,200 independent title agents. "It's a wonderful time to be part of such an experienced and collaborative team at Westcor, where we continue to focus on the continued success of our employees and customers," Chandler said. GEORGIA OS National Names New National Sales Executive OS National, LLC, a Duluth, Georgia- based nationwide provider of residential and commercial title and escrow services, has named Michelle Esparza national sales execu- tive, according to an announcement from the company. In her new role with OS National, Esparza will be based in Texas and will be responsible for developing and nurturing lender relation- ships nationwide. Her extensive experience and expertise in sales and property title insurance includes more than 20 years at global real estate services company Stewart Title. Her most re- cent position with that company was as director of lender services with their enterprise revenue group, where she was responsible for growth of strategic lender relationships nationwide. "I have joined a team of incredibly talented professionals who are truly customer-oriented," Esparza said. "I look forward to helping OS National continue to grow." Esparza has been recognized as a Distin- guished Professional in her field by Women of Distinction Magazine, and will be featured in an upcoming edition of the magazine for 2016/17. She is a member of several profes- sional associations and was named the 2012-13 Woman of the Year by the National Associa- tion of Professional Women. "We're very excited to have Michelle join OS National," said Co-founder Jamie Wunder. "Her professionalism and enthusiasm will further our mission to offer national title and settlement services with a high-touch, boutique service model." NORTH CAROLINA ALAW Expands Practice to North Carolina ALAW, a real estate law firm that rep- resents the mortgage industry, including the nation's top financial institutions, recently an- nounced their expansion into North Carolina with the opening of a new office in Charlotte and the appointment of Michael Spicer as Managing Attorney of Default Operations for the firm's North Carolina operation. Spicer joins Joe ompson, Managing Attorney of Title and Closing Services, at the firm's grow- ing office. "While many law firms in the default services space have had to either reduce their size or cease operations, ALAW continues to grow upon its strategic foundation of people, process, and technology," said Jim Albertelli, Founding Partner at ALAW. "We are pleased to welcome an experienced leader like Mike as ALAW continues to expand its breadth of de- fault legal services in the Carolinas. e firm is well situated to provide immediate foreclosure representation with best in class service under his leadership." Spicer brings nearly a decade of experience in managing default operations to ALAW's North Carolina office. Spicer most recently managed default services operations at Rogers Townsend and also serves as a legal educator, conducting numerous Continuing Legal Edu- cation (CLE) seminars on mortgage servicing and default law. ALAW was founded as Albertelli Law in 1997 and is a real estate law firm that represents the mortgage industry throughout the loan life-cycle from securitization through origina- tion and asset reclamation. ALAW practices in Alabama, Florida, Georgia, North Carolina, South Carolina, and Texas. Florida saw 1 in every 808 housing units file for foreclosure in July 2016, according to RealtyTrac. KNOW THIS The Durham- Chapel Hill CBSA made the top ten ranking for the Home Value Forecast, according to Pro Teck. KNOW THIS

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