Caren Enloe is a partner and concentrates her practice in consumer financial services litigation and compliance, bankruptcy, and commercial litigation with an emphasis on creditor’s rights. She practiced with Smith Debnam from 1992 until 2011 and rejoined the firm in 2015 following a three and a half year stint with an Am Law 200 law firm based in Atlanta. Ms. Enloe has a deep understanding of the complex compliance environment surrounding the financial services industry and regularly advises financial service companies on licensing and compliance issues involving state and federal consumer protection and finance statutes.

Ms. Enloe defends consumer financial service providers and members of the collection industry in state and federal court, as well as in regulatory matters involving a variety of consumer protection laws including:

  • State and Federal Fair Debt Collection Practices Acts
  • Federal Consumer Leasing Act
  • Truth in Lending Act
  • Equal Credit Opportunity Act
  • Fair Credit Reporting Act
  • Telephone Consumer Protection Act
  • Fair Credit Billing Act

Ms. Enloe has appeared as counsel in North Carolina’s state and federal trial courts, as well as the North Carolina Court of Appeals, North Carolina Supreme Court and Fourth Circuit. Her compliance experience includes matters involving the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act, Truth in Lending Act, Consumer Leasing Act, Gramm Leach Bliley Act, Equal Credit Opportunity Act, Electronic Funds Transfer Act, Telephone Consumer Protection Act and Fair Debt Collection Practices Act.

Ms. Enloe provides statewide representation for a number of clients who finance and lease agricultural and heavy equipment both in state court and in bankruptcy court. She represents secured and unsecured creditors and lease creditors in protecting their rights in cases and adversary proceedings under Chapters 7, 11, 12, and 13. She also has extensive experience defending the collection and credit industries in adversary proceedings and with regard to sanctions motions. Ms. Enloe is listed in North Carolina Super Lawyers, an independent rating service of outstanding lawyers from more than 70 practice areas who have attained a high degree of peer recognition and professional achievement.

Ms. Enloe earned her Juris Doctor cum laude from Campbell University School of Law, where she served as a member of the law review. She holds a Bachelor of Arts and Bachelor of Music from Appalachian State University.

  • State Bar of North Carolina, 1990
  • U.S. District Courts for the Eastern, Middle and Western District of North Carolina
  • U.S. Court of Appeals for the Fourth Circuit
  • US Supreme Court
  • J.D., cum laude, Campbell University School of Law, 1990
  • B.A. and B.M., Appalachian State University, 1986
Professional Affiliations
  • American Bar Association (Member, Business Law & Litigation Sections); Co-Vice Chair Debt Collection and Bankruptcy Subcommittee
  • Federal Bar Association
  • Consumer Financial Services & Commercial Financial Services Committees, American Bar Association
  • Vice Chair, Debt Collection and Bankruptcy Subcommittee of the Consumer Financial Services Committee (American Bar Association)
  • ACA International (Member Attorney’s Program, North Carolina Chair, 2007-present)
  • Conference on Consumer Law (Member)
  • National Creditors Bar Association (Defense Bar)
  • North Carolina Bar Association (former member of the Executive Council for the Young Lawyers Division and current Member of the Bankruptcy & Litigation Sections)
  • North Carolina Creditor’s Bar Association (current Secretary and former Co-Chair of Educational Committee, 2012-2014)
  • Wake County Bar Association (Member)
  • Wake County United Arts Council (Grants Panelist 2009-2012)
Awards & Recognition Published Articles
  • Who can Sue under the FDCPA? Sixth Circuit Expands Standing (Journal of Taxation and Regulation of Financial Institutions, Vol. 29 No. 2)
  • A Primer to the CFPB Proposed Payday Rule: What You Need to Know (California State Bar Business Law News, Issue 3 2016
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