Jason Cotton, President – CA | AZ | HI | OK | OR | WA

Jason Cotton is the founder of The Mortgage Law Firm (TMLF) and a seasoned expert in the default industry, starting his career in 1994 at Cal-Western Reconveyance Corporation. In 2000, he founded Max Default Services Corporation, an independent trustee offering nonjudicial foreclosure services across 12 states. His extensive industry knowledge and dedication led Max Default to become a top national performer in foreclosure services. In 2009, Jason established The Mortgage Law Firm to further expand the services offered to the firm’s clients. He has served on the board of the San Diego Chapter of the United Trustee’s Association and as a committee member for the California Mortgage Bankers Association. Jason holds a Real Estate Broker’s License in Arizona and California and completed his law studies at Whittier Law School. He is licensed to practice law in Arizona, California, Hawaii, Oklahoma, Oregon, and Washington.

Sally Garrison, Managing Member – OK | TX

Sally Garrison is the Managing Member of The Mortgage Law Firm in Oklahoma., & Texas and serves as the firms General Counsel. She received a B.A. in Economics, Environmental Science, and Political Science, from Claremont McKenna College in 1995. She received her J.D. from the University of Oklahoma, College of Law, in 2000. During her studies at the University of Oklahoma (OU), she also attended the Oxford Summer Program at Queen’s College, focusing on the European Union and Intellectual Property. Before beginning her work in real estate litigation, Sally taught as an adjunct professor at the University of Oklahoma College of Law in the areas of Intellectual Property, Copyright, Contracts, and Law in Cyberspace. She assisted in the research and editing of Copyright in a Global Information Economy, ISBN 0-7355-2430-0; Toward an International Fair Use Doctrine, Columbia Journal of Transnational Law, 2000, Volume 39, No. 1; and Givers, Takers and Other Kinds of Users: A Fair Use Doctrine for Cyberspace, Florida Law Review, January 2001, Volume 53, No. 1. From 2001 to 2008, Sally worked as in-house counsel for OU, representing various departments and organizations including Student Affairs, OU Police Department, Sam Nobel Museum, Alumni Affairs, Development, Housing and Food Services, and the University Outreach, among numerous others. Her work includes motion practice, non-jury and jury trial work, and appellate practice. In addition to firm work, she has consulted with local law firms to provide system, efficiency, and managerial advice. She is a graduate of the Stagen Leadership Academy Integral Leadership Program, and was awarded the “black belt” for her work in communication, influence, and motivation. She is the Vice President of the USFN & serves on the board of directors for Savannah’s Station Therapeutic Riding Program, an organization that provides horse-riding therapy for children with special needs (savannahstation.org). Sally is licensed to practice law in Oklahoma, Arizona, Hawaii, and Texas.

Caren Castle, Esq. – CA

Caren Jacobs Castle is the California Managing Attorney at The Mortgage Law Firm (TMLF) with over 35 years of expertise in the mortgage servicing industry. Graduating cum laude from Southwestern University School of Law in 1980, she is licensed to practice law in Colorado and California. Caren has specialized in the mortgage banking industry since 1982, becoming a recognized leader. She has served in significant roles for industry organizations, including the USFN and Legal League 100. Caren has also contributed to industry committees for the U.S. Department of the Treasury and the Mortgage Bankers Association. As a former adjunct professor at the University of Colorado, Denver, she enjoys mentoring aspiring legal professionals. Caren has been recognized by HousingWire and Five Star for her contributions to mortgage banking and real estate services.

Robin Miller – HI

Robin Miller is the Managing Attorney at The Mortgage Law Firm’s Hawai’i office. She has a long history in the industry, practicing real property law since graduating from Santa Clara School of Law in 2003. Robin is also skilled in arbitration, serving as a Court Annexed Arbitration Program Arbitrator, and is well-versed in appellate work. Since joining TMLF in 2017, Robin has been an integral part of TMLF Ohana, bringing thoughtfulness, patience, and depth of expertise to every challenge. As a leader of the firms Hawai’i office, she combines her professional achievements with a commitment to excellence in every aspect of her work.


Christina Harper – AZ

Christina Harper is the Managing Attorney at The Mortgage Law Firm in Arizona, joining the firm in 2013. She was admitted to the Arizona State Bar in 2000 and is licensed to practice in the United States District and Bankruptcy Courts, District of Arizona, and the Ninth Circuit Court of Appeals. Christina earned her Juris Doctor Degree from the University of Maryland, Thurgood Marshall School of Law, and her Bachelor of Arts Degree in International Relations from the University of California, Davis. Before joining TMLF, Christina practiced in Phoenix, focusing on complex litigation, creditor’s rights, and bankruptcy matters. She is a member of the Arizona State Bar and the State Bar Bankruptcy Section.


Renee Parker – WA

Renee Parker is the Managing Attorney of The Mortgage Law Firm’s Washington office, joining the firm in 2017. She has over 18 years of experience handling complex bankruptcy issues, foreclosure matters, civil/mortgage litigation, title insurance issues, and real property insurance claims. Renee was admitted to the Washington State Bar in 2005, the California State Bar in 2008, the Oregon State Bar in 2014, and the Arizona State Bar in 2018. She is also admitted to the United States District Court of Colorado and the United States Court of Appeals for the 9th Circuit. Renee earned her law degree from Michigan State University College of Law, where she worked as a Research Assistant, updating significant legal publications. She was admitted to The Supreme Court of the United States in 2011.