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Caren Enloe is a partner and leads Smith Debnam’s Consumer Financial Services Litigation and Compliance group. Her practice also includes bankruptcy and commercial litigation with an emphasis on creditors’ 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.

Caren 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. Caren also advises fintech companies, law firms, and collection agencies regarding an array of consumer finance issues. Caren 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.

Caren also 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.

In 2018, Caren was named one of the “20 Most Powerful Women in Collections” by Collection Advisor, a national trade publication. Caren 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.

  • 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; Chair Debt Collection Practices and Bankruptcy Subcommittee)
  • Conference on Consumer Law (Member, Governing Committee)
  • National Creditors Bar Association (Defense Bar)
  • ACA International (Member Attorney’s Program, North Carolina Chair, 2007-present)
  • North Carolina Bankers Association (Member, Bank Counsel Committee)
  • 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 (former Secretary and former Co-Chair of Educational Committee, 2012-2014)
  • Federal Bar Association
  • Wake County Bar Association (Member)
Awards & Recognition
  • Listed among the 20 Most Powerful Women in Collections (2018)
  • Listed among North Carolina Super Lawyers (2016-2019)
  • Listed among North Carolina Legal Elite (2017)
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
  • Consent Orders Focus on Deceptive Advertising Practices: What You Need to Know (Banking and Financial Services Policy Report, Vol. 37, No. 3)
  • What Mortgage Servicers Need to Know: CFPB Enters Into Consent Orders with Citibank Subsidiaries over Mortgage Servicing Practices (Carolina Banker, Spring 2017)
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