Lisa Jane Espada

Lisa Jane Espada

also known as Lisa J. Espada

5.0
Rating: 10.0

Licensed for 26 years

Debt collection Lawyer at San Francisco, CA
Practice Areas: Debt Collection, Chapter 7 Bankruptcy, Consumer Protection, Litigation

100 Pine St., Suite 1250, Suite 400, San Francisco, CA

About Lisa

Practice Areas

4

Practice Areas

Debt Collection 50%

I represent consumers, student borrowers and small business owners who are sued by creditors or debt buyers. Most cases are dismissed or settled without the need to take the case to trial.

15 years

50%
Chapter 7 Bankruptcy 20%

I represent clients in chapter 7 bankruptcy cases filed in the Northern District of California

15 years

20%
Consumer Protection 20%

Litigation on behalf of plaintiffs, for violations of the federal Fair Debt Collection Practices Act, the California Fair Debt Buying Practices Act, the California Identity Theft Statute, the Song-Beverly Consumer Warranty Act, and others.

14 years

20%
Litigation 10%

General civil litigation including limited-scope representation and providing advice to "pro per" litigants.

26 years

10%

Fees and Rates

Cost

Free Consultation

$0 first 30 minutes


Payment Methods

  • Cash
  • Check
  • Credit Card

Looking for an attorney? Avvo can help.

search module image

Search our directory

Quickly connect with top attorneys through our legal directory to get help with your legal issue.

chat module image

Avvo's live chat agents can help coordinate a consultation with a local attorney.

Chat with a live agent who can match you with the right attorney for your legal needs.

Chat with

Licenses

Licensed in California for 26 years

State: California

Acquired: 1999

Active

No misconduct found

Location

Law Office of Lisa J Espada

100 Pine St., Suite 1250, Suite 400, San Francisco, CA, 94111

Ad

Transform legal challenges into solutions.

Connect now to review your situation.

The Avvo Rating explained

display-bg

The Avvo Rating explained

Lisa Jane Espada's Reviews

Avvo Review Score

5.0 /5.0

49 Client Reviews

Filter Avvo Reviews (49) Refine reviews to match your needs. Use the filters to quickly surface reviews that align with your case or priorities.

Showing 1 - 5 of 49 reviews

Posted by Celeste | October 14, 2025 | Hired Attorney | Debt Collection

Choosing the right lawyer

Atty. Lisa Espada was very thorough in examining every angle of my case. Thanks to her strategic thinking, I was able to avoid unnecessary expenses related to debt collection. I am grateful for choosing her to handle my case. She is a very reliable and knowledgeable lawyer. I am pleased with the resu...lt and would highly recommend her.

Posted by Carrie | October 13, 2025 | Identity Theft

Excellent Attorney

Lisa is a fantastic attorney with excellent client skills. She advised us on how to deal with an identity theft issue. Lisa provided all of the documentation and steps we needed to follow to protect our credit and set up a solid defense against a claim by the credit card company. She promptly resp...onded to all of our questions gave us peace of mind all along the way.

Posted by anonymous | September 17, 2024 | Hired Attorney

Civil Case

Lisa is very professional and have lot of experience. She helped to navigate the CMC process step by steps and guided me throughout the case. I would highly recommend her!

Posted by Percy | September 17, 2024 | Hired Attorney | Debt Collection

Great lawyer!

It was my first time looking for an attorney for a debt collection case and although very nerve racking Lisa helped me feel very at ease with the consultation. That alone helped me out greatly and wanted her to represent me. She guided and communicated with me every step of the process with her knowl...edge about debt collection cases which ultimately led to the case being dismissed in our favor. She is very good at her profession. I would hire her again to represent me. Thanks Lisa!

Posted by anonymous | September 16, 2024 | Hired Attorney

Very Good Lawyer

Good Communication highly recommended a good lawyer ❤️❤️❤️❤️❤️❤️❤️❤️❤️………………….

See All Client Reviews

Lisa Jane Espada's Lawyer Endorsements

Endorse Lisa
Leon D Bayer headshot
Leon Bayer

Debt collection lawyer | Feb 12

Relationship: Fellow lawyer in community

"I endorse this lawyer. Her answers to questions posted on Avvo are consistently brilliant in the fields of bankruptcy, debt collection, consumer law and litigation."

Michael Charles Doland headshot
Michael Doland

Litigation lawyer | Oct 25

Relationship: Fellow lawyer in community

"The answers of Ms. Espada are consistently accurate, analytic, and customized to the needs of the Avvo askers. These are exactly the qualities that every client would look for when hiring an attorney."

Rahul Aggarwal headshot
Rahul Aggarwal

Unknown lawyer | Mar 17

Relationship: Fellow lawyer in community

"An excellent lawyer who treats clients with patience, care, understanding, and utmost professionalism - an even better person and I wholeheartedly recommend for future services."

Joseph D. Nohavicka headshot
Joseph Nohavicka

Litigation lawyer | Mar 05

Relationship: Fellow lawyer in community

"I endorse this lawyer. The highest quality attorney."

Amir Soleimanian headshot
Amir Soleimanian

Unknown lawyer | Sep 29

Relationship: Fellow lawyer in community

"I endorse this lawyer."

Peter Matthew Depew headshot
Peter Depew

Chapter 7 bankruptcy lawyer | Feb 06

Relationship: Fellow lawyer in community

"I endorse this lawyer. Ms. Espada provides a much needed service on Avvo. She donates her time to individuals who are in need of immediate legal answers."

Balam Osberto Letona headshot
Balam Letona

Debt collection lawyer | Apr 25

Relationship: Fellow lawyer in community

"Lisa is an excellent lawyer who always works hard for her clients. She is knowledgeable and a tireless advocate. You are in good hands with Lisa."

James Anthony Michel headshot
James Michel

Litigation lawyer | Apr 09

Relationship: Fellow lawyer in community

"I refer clients to Lisa because she gets excellent results for her clients. I endorse this lawyer."

Ian Dipak Chowdhury headshot
Ian Chowdhury

Litigation lawyer | Mar 28

Relationship: Fellow lawyer in community

"Lisa works hard for her clients, and consumers in general. California consumers are lucky to have her. I endorse this lawyer."

Leonard Roy Boyer headshot
Leonard Boyer

Chapter 7 bankruptcy lawyer | Jan 27

Relationship: Fellow lawyer in community

"I endorse this lawyer. Ms. Espada is a very effective and knowledgeable advocate for her clients."

Hovanes Margarian headshot
Hovanes Margarian

Unknown lawyer | Nov 03

Relationship: Fellow lawyer in community

"I endorse this lawyer."

Frederick William Schwinn headshot
Frederick Schwinn

Debt collection lawyer | Oct 24

Relationship: Fellow lawyer in community

"Lisa Espada is an experienced collection defense attorney who fights for her clients. I am proud to endorse Ms. Espada."

Gary D. Bollinger headshot
Gary Bollinger

Debt collection lawyer | Apr 12

Relationship: Other

"Although attorney Espada practices on the other side of my principal focus of law practice, her answers on Avvo show a thorough, but balanced, approach to the inquiries posted. I endorse this lawyer."

Anna Maria Costa headshot
Anna Costa

Unknown lawyer | Jul 23

Relationship: Co-worker

"Lisa Espada is an intelligent and skilled attorney. I would not hesitate to refer clients to her."

Christian K. Lassen II headshot
Christian Lassen

Unknown lawyer | Jun 24

Relationship: Fellow lawyer in community

"Top-notch attorney."

Marc Pelta headshot
Marc Pelta

Sexual harassment lawyer | Feb 13

Relationship: Worked together on matter

"Ms. Espada is an excellent attorney and anyone who hires her is lucky to have her in their corner fighting for them!"

Rett Drake-Beck Bergmark headshot
Rett Bergmark

Litigation lawyer | Feb 05

Relationship: Supervised lawyer

"I endorse Lisa Espada. She is an experienced and skilled litigator with whom I have worked. She excels at communicating with clients, opposing attorneys and the Court. Her knowledge and application of the law is excellent. Lisa is the consumate professional."

Howard M Lewis headshot
Howard Lewis

Chapter 7 bankruptcy lawyer | Jan 26

Relationship: Fellow lawyer in community

"I endorse this lawyer. Attorney Espada is an outstanding attorney with an exceptional reputation. She is a strong and zealous advocate for her clients and is a credit to the legal profession. I highly recommend her legal services."

Scott Hames headshot
Scott Hames

Personal injury lawyer | Jan 15

Relationship: Co-worker

"I endorse this lawyer. Lisa is hard working, very smart, and cares deeply about her clients. I highly recommend her."

Otis Carl Landerholm headshot
Otis Landerholm

Bankruptcy and debt lawyer | Jan 14

Relationship: Fellow lawyer in community

"I endorse this lawyer."

View All Endorsements
James Anthony Michel headshot
James Michel

Bankruptcy and debt lawyer

Ian Dipak Chowdhury headshot
Ian Chowdhury

Debt collection lawyer

Frederick William Schwinn headshot
Frederick Schwinn

Debt collection lawyer

Anna Maria Costa headshot
Anna Costa

Litigation lawyer

Marc Pelta headshot
Marc Pelta

Criminal defense lawyer

Otis Carl Landerholm headshot
Otis Landerholm

Chapter 7 bankruptcy lawyer

Experience

Rating:  10.0 (Superb)

Honors

2019

Outstanding Volunteer Attorney 2018, Justice and Diversity Center

2018

Outstanding Volunteer Attorney 2017, Justice and Diversity Center

2017

Outstanding Volunteer Attorney 2016, Justice and Diversity Center

2016

Outstanding Volunteer Attorney 2015, Justice and Diversity Center

2015

Outstanding Volunteer Attorney 2014, Justice and Diversity Center

2014

Outstanding Volunteer Attorney 2013, Justice and Diversity Center

2013

Outstanding Volunteer Attorney 2012, Bar Association of San Francisco

Work Experience

2012 - Present

Attorney, Law Office of Lisa J. Espada

2004 - 2011

Associate, Levin Simes Kaiser & Gornick, LLP

2002 - 2004

Associate, Brayton Purcell, LLP

2000 - 2002

Associate, Paul & Hanley, LLP

Associations

2015 - Present

National Association of Consumer Advocates (NACA)

Member

2012 - 2016

National Association of Consumer Bankruptcy Attorneys

Member

2012 - 2019

Queen's Bench Bar Association

Member

2002 - 2012

San Francisco Trial Lawyers Association

Member

Education

1999

Golden Gate University School of Law

JD - Juris Doctor

1993

San Francisco State University

BA - Bachelor of Arts

Speaking Engagements

2017

Consumer Project Volunteer Training Program

Pre-Trial Litigation in Consumer Debt Cases

2015

Consumer Debt Defense Roundtable

Statute of Limitations Issues in Debt Collection Cases

Languages

English

Activity

Avvo Rating

Our Rating is calculated using information the lawyer has included on their profile in addition to the information we collect from state bar associations and other organizations that license legal professionals. Attorneys who claim their profiles and provide Avvo with more information tend to have a higher rating than those who do not.

What determines Avvo Rating?
  • Experience & background Years licensed, work experience, education
  • Legal community recognition Peer endorsements, associations, awards
  • Legal thought leadership Publications, speaking engagements
  • Discipline Disciplinary information may not be comprehensive, or updated. We recommend that you always check a lawyer's disciplinary status with their respective state bar association before hiring them.
Avvo Rating Levels
10.0 - 9.0 Superb8.9 - 8.0 Excellent7.9 - 7.0 Very Good6.9 - 6.0 Good5.9 - 5.0 Average4.9 - 4.0 Concern3.9 - 3.0 Caution2.9 - 2.0 Strong Caution1.9 - 1.0 Extreme Caution