About Us

The Team


Our Lawyers

Zuma Legal Services of America has affiliations with lawyers admitted throughout the United States including Puerto Rico and the District of Columbia. Lawyers affiliated with Zuma Legal Services of America are graduates of prestigious law schools from across the country. Some hold advance degrees in other disciplines such as business. A few have taught in colleges and law schools. Some lawyers are fluent in Spanish and others affiliated with the firm are fluent in French.

A sample of the background of Zuma Legal Services of America affiliated lawyers include a former Assistant Attorney General from the Federal Trade Commission, former Assistant Attorney Generals from several states, a former general counsel of a large NYSE publicly traded company, a faculty member from a leading law school on the East Coast, lawyers in private practice with over 30 years of experience, as well as a former senior lawyer with a major credit card company.


  • David M. Green, Esq.

    Admitted to all state and federal courts in New York, New Jersey, and the District of Columbia, Mr. Green also offers clients representation to meet their needs in general real estate, corporate law, and civil and criminal appellate litigation and bankruptcy. A member of the American and Suffolk County Bar Associations, as well as the National Association of Consumer Bankruptcy Attorneys (NACBA), David M. Green earned his Juris Doctor degree at Syracuse University College of Law and his Bachelor of Arts at Syracuse University. Mr. Green is a frequent lecturer on the topics of loss mitigation and loan modifications. He was recently featured in Financial Advisor Magazine and was the featured speaker on the Federal Government's HAMP Loan Modification Program at the Financial Planners Association Annual convention. He has been an instructor at New York Paralegal School, New York, New York. Professional affiliations include the Empire State Mortgage Bankers Association, New York County Lawyer’s Associations, and Phi Delta Legal Fraternity. Mr. Green is also a licensed NYS Real Estate broker and Mortgage Broker.


  • Ann Bernard, Esq.

    WORK HISTORY: May 2006 to January 2007 – Member of BT&M Investments, LLC. Worked as a lawyer reviewing contacts, health benefits, accounting and FCC and regulatory issues. August 2006 to January 2007 – Instructional Aid for Carmel Clay Schools, Orchard Park Elementary School. Worked with students individually and in small groups. Assisted teachers with classroom management. Supervised lunch periods. February 2002 to May 2006 - General Counsel at OCMC, Inc also known as One Call Communications, Inc. Responsible for all litigation, employment issues, health, retirement, insurance benefits, FCC compliance, regulatory compliance in 50 states plus Puerto Rico and Canada. December 1995 to January 2002 - Corporate Counsel at One Call Communications, Inc., Carmel, IN. Responsible for all employment issues for over 400 hourly call center employees, litigation, FCC issues and compliance and regulatory compliance for all 50 states and Canada. January 1995 to December 1995 - Attorney for Capitol Consultants, Indianapolis, IN. Worked as an attorney and lobbyist for the various clients. Also helped manage and run different trade associations. July 1990 to January 1995 – Associate at Stewart & Irwin, Indianapolis, IN. Worked as a litigator in the areas of employment and insurance defense. August 1988 to December 1988 —Adjunct Professor of Business Law, Indiana University, South Bend, IN. Taught third semester business law that included advanced contracts, bankruptcy and negotiable instruments. August 1988 to July 1990 - Law Clerk to Judge Allen Sharp, Chief Judge of the United States District Court, Northern District Court, Northern District of Indiana, South Bend, IN May 1987 to August 1988 - Attorney at Ice Miller Donadio & Ryan, Indianapolis, IN September 1985 to May 1987 - Law Clerk at Ice Miller Donadio & Ryan, Indianapolis, IN EDUCATION: Juris Doctor from Indiana University—Indianapolis, IN, 1987 Bachelors of Arts (cum laude) in History and Political Science from Butler University, Indianapolis, IN, 1984 PUBLICATIONS & PRESENTATIONS: Panelist, Indiana Mortgage Brokers Association seminar on high cost loans, August, 1994 MEMBERSHIPS: Admitted to practice in Indiana in 1987. Also, admitted to practice before the United States Supreme Court, the 7th Circuit Court of Appeals, the Northern and Southern Districts of Indiana and the Indiana Supreme Court. Delta Delta Delta, Mortar Board, Indianapolis Panhellenic Association, Guilford Park Homeowners Association Board Member and Orchard Park PTO St. Elizabeth Seton Catholic Church


  • Shanda Cargile, Esq.

    Shanda Lewis Cargile is a general practice attorney with diverse experience. Shanda’s primary practice is concentrated in commercial litigation, personal injury, and family law. Shanda has practiced both state and federal courts, as well, as municipal prosecution. Shanda has also litigated issues involving wrongful death, construction law, bankruptcy, and professional liability. Shanda graduated with honors from Dillard University with a B.A. in Secondary Education with an emphasis in English Education in 1993. She received her law degree from The University of Mississippi in 1998. Shanda is a member of the Mississippi Bar Association, East Mississippi Women’s Lawyers’ Association, and the interim President of Parents for Public Schools-Meridian/Lauderdale County Chapter. Shanda is also a member of the East Mississippi Human Resources Association.


  • Deborah Crain, Esq.

    Deborah Crain was born in Metairie, Louisiana. She obtained her B.S. in Marketing in 1999 and her Juris Doctor from the Louisiana State University, Paul M. Hebert School of Law in 2002. Ms. Crain worked in private practice in Louisiana after she attended law school. While in private practice, Ms. Crain represented and defended numerous individuals and entities. The types of cases included employee matters, i.e., violation of non-compete agreements, corporate matters, business filings, property disputes, road defect claims, lien filings, bankruptcy litigation, insurance defense, and property tax matters. Ms. Crain has similar types of cases here in Texas. Ms. Crain also successfully defended the Louisiana State Department of Transportation and Development in jury trials in multi-million dollar claims. She is skilled in every phase of litigation, but believes being an effective negotiator is one of the most important aspects of litigation. While a win in court is always desired, Ms. Crain is always putting the needs of her clients first, and many times those needs demand a speedy resolution to a matter. Ms. Crain holds her law licenses in Texas and Louisiana. Her practice focuses on business, property tax and litigation. It is her mission to ensure that individuals and businesses are taxed fairly, in accordance with the Texas Constitution’s mandate for fair market value. She assists her business clients with a wide array of matters, from incorporating their business to protecting those businesses when faced with litigation. Ms. Crain also is fluent in American Sign Language, and has served as a volunteer interpreter for many years. She is active in the community and regularly attends ASL events in the Houston area.


  • Julius Friedman, Esq.

    Julius E. Friedman began his career in the legal and law enforcement field by obtaining a Technological Science Degree in Biomedical and Forensic Photographic Technologies. Mr. Friedman then went on to obtain a Masters Degree in Criminal Justice Administration and finally a J.D. from Thomas M. Cooley Law School. AREAS OF PRACTICE: Litigation, Family Law, Divorce, Custody, Criminal, Juvenile, DUI/OUI, Drug Offenses, Wills, Trusts, and estates, Animal Rights Law, Business Law, Contracts, Bankruptcy, Real Estate, EDUCATION: University of Central Missouri, receiving a Bachelor of Science degree in Biomedical and Forensic and Technological Science Master of Science degree in Criminal Justice Administration from the University of Central Missouri Juris Doctor Thomas M. Cooley Law School ADMITTED TO PRACTICE: Massachusetts PROFESSIONAL ASSOCIATION MEMBERSHIPS: American Bar Association


  • Justin Givens, Esq.

    Graduated from Florida State University with a Bachelors Degree in Political Science in 2003. Graduated from Nova Southeastern University Law School in 2007. Mr. Givens has been a private practice attorney in Florida for two years. Mr. Givens specializes on the areas of Criminal Defense, Family Law, Foreclosure, Bankruptcy, and Civil Litigation.


  • Rachel Keeling, Esq.

    Rachel Keeling is a 2009 graduate of West Virginia University College of Law and is a licensed West Virginia attorney. She attended Marshall University and graduated Magna Cum Laude in May 2005 obtaining a bachelor degree in criminal justice legal studies, a minor in French, and an associate degree in legal assisting. Rachel enjoys world travel and studied abroad in France, Brazil, and Mexico focusing on language, foreign policy, and business. While attending law school Rachel became Rule 10 certified which allowed her to practice as a third year law student. She represented clients in need of domestic violence petitions and helped clients maintain public housing and government benefits. In addition, Rachel is a certified magistrate mediator and when possible employs alternative dispute resolution methods such as mediation and negotiation.


  • Polina Milman, Esq.

    I am one of the founding members of my law practice, Karpel & Milman, LLC. I am licensed to practice law in the state of Illinois and in the United States District Court for the Northern District of Illinois. I graduated from DePaul University with a degree of Bachelor of Science, was a recipient of the Presidential Scholarship and a member of the National Society of Collegiate Scholars. I remained loyal to DePaul by receiving my Juris Doctor degree from DePaul University College of Law. Throughout my legal career, I gained civil litigation experience by working on many personal injury cases. I have also made a commitment to devote time to pro bono work and dedicate myself to those in need. I am fluent in Russian and conversational in Spanish. My professional memberships include the American Bar Association, the Illinois State Bar Association, and the Chicago Bar Association. My partner and I focus our law practice mostly on bankruptcy law, but also do a good amount of loan modifications and foreclosure defense. Furthermore, we handle some civil litigation and personal injury cases.


  • Judith Rifkin, Esq.

    Admitted to practice in New York and Connecticut. Matrimonial and family law: Represent individuals in uncontested and contested divorce, child custody and visitation matters and spousal support applications. Foreclosure: Advocate for the interests of homeowners facing foreclosure; Help clients stop, delay, or avoid foreclosure and determine options for moving forward, including loan modification. Residential and commercial real estate: Negotiate and draft commercial real estate leases for landlords and tenants; Handle through closing the acquisition, disposition, financing, and ownership of real property. Former staff attorney at major financial institution. Counseled several lines of business regarding compliance with financial services regulation. Negotiated and drafted contracts with vendors, insurance companies, and affiliates, covering a host of products and services sold through the firm. Handled vendor due diligence, regulatory inquiries, fraud claims and corporate secretary activities. New York City Bar Association (NYCBA) Lawyers Foreclosure Intervention Network, counselor NYCBA, Committee for Legal Services for Persons of Moderate Means, counselor and committee member NYC Civil Court, Small Claims Arbitrator Fordham University School of Law, J.D. 1984 University of Connecticut, B.A. 1979


  • David Rose, Esq.

    David Rose’s practice is divided between general corporate transactional matters and litigation. His representation consists of a mix of start-up and established private companies. His corporate transactional practice includes all aspects of corporate formation, mergers, licensing, due diligence, and financing. His early litigation experience began with representation of multiple national insurance companies across the Commonwealth of Kentucky, but has shifted to representing individuals and private companies with their litigation needs. Practice Areas Corporate formation, governance, and transactions, Contract negotiation and formation, Debt resolution, Real estate transactions, Litigation, Insurance law, Wills and Trusts, Licenses, Admitted to Practice in Commonwealth of Kentucky, Admitted to Practice in United States Federal Court Western District of Kentucky, Admitted to Practice in Washington, DC, Memberships: Member, Kentucky Bar Association, Member, District of Columbia Bar Association, Member, Kentucky Bar Association Young Lawyers Division, Education: University of Dallas, MBA 2010, University of Louisville, JD 2006, Trinity University, BS 2002


  • Jeffrey Rothstein, Esq.

    After a successful 25 year retail careeer mastering sales and customer service Jeffrey Rothstein decided to persue his lifelong goal of becoming an attorney. Mr. Rothstein graduated Thomas M. Cooley cum laude with a concentration in litigation. While attending law school he interned at the prehearing division of the Michigan Court of Appeals. He received many awards including the prestigious Leadership award given by his peers and faculty and the Partricia Wilson Academic Acheivement Award. Additionally, in 2007 Mr. Rothstein won the Thomas M. Cooley negotiating competition, ably representing the school at the regional competition. Mr. Rothstein is licensed to practice in Michigan as well as the Eastern and Western districts of the Michigan Federal Courts. Mr. Rothstein will aggressively represent your case. He practices in the areas of criminal and misdemeanors, bankruptcy, family law and estate law including wills and estate planning.


  • Shalom Rubanowitz, Esq.

    After receiving his law degree from Rutgers University Law School in 1994, Shalom Rubanowitz completed an internship with a United States Bankruptcy Judge, and has worked in the real estate, mortgage banking, financial services and creditor-debtor fields ever since. Over the years, he has been admitted to the bars of California, Arizona, Nevada, Washington, Oregon, Utah, Montana, Wyoming, Colorado, Hawaii and the District of Columbia. By 2011, Shalom expects to be admitted in the additional states of Florida, New Mexico, Idaho, Texas and Alaska. Before establishing himself in private practice, shalom served for six years as Chief Counsel of a national foreclosure services and default management firm . Serving his independent clients since 2001, Shalom Rubanowitz has built a nationally respected law firm serving Global Institutions as well as private individuals with integrity, efficiency and relentless advocacy.


  • Edvard Shprukhman , Esq.

    M. Edvard Shprukhman is a general practice lawyer, handling legal matters including, but not limited to: Personal Injury/Auto Accidents, Corporate Law, Criminal Defense, Family Law, Traffic Offenses, Landlord and Tenant Law, and Wills and Estates. M. Edvard Shprukhman can give you a decisive edge when resolving your legal matters. He is committed to providing personalized and prompt service and his record of success assures that he has the experience and expertise necessary to get you the results you want and deserve. State Bar Memberships: Maryland Court of Appeals, District of Columbia Court of Appeals, Supreme Court of Pennsylvania, Supreme Court of New Jersey, U.S. District Court for the Eastern District of PA, U.S. District Court for the District of MD, Education: American University, Washington D.C., Widener University School of Law, Wilmington, DE.


  • Laquita Stokes, Esq.

    Attorney LaQuita R. Stokes is licensed to practice in Tennessee. Her main practice areas are family law, business law, wills & estates and entertainment & sports law. She is the featured entertainment attorney on MemphisRap.com. Attorney Stokes is a Memphis native and graduate of Whitehaven High School. She received her Bachelor of Science degree from Vanderbilt University and her Juris Doctorate from the University Of Kentucky College Of Law. She is an attorney with Corbin Johnson, PLLC , a full-service law firm here in Memphis with over 13 years of experience and 3 offices located in Downtown Memphis, North Memphis/Raleigh, and Whitehaven; with a fourth office opening soon in Hickory Hill. The attorneys at Corbin Johnson, PLLC pride themselves in given quality service at affordable prices in Entertainment Law, Criminal Law, Corporate Law, Divorce, Custody, Child Support, Wills & Estates, Personal Injury, Bankruptcy, as well as many other areas of law


  • Aaron Young, Esq.

    Aaron C. Young, JD, LLM is an attorney licensed to practice law in the states of Minnesota and Wisconsin and an Adjunct Professor of Law teaching Client Representation at William Mitchell College of Law. Mr. Young is a 1997 graduate of the University of Minnesota, Twin Cities with a Bachelors of Arts in History, a 2001 Juris Doctor graduate of Marquette University Law School, where he was a staff member of the Marquette Sports Law Review, and a 2003 Masters of Law graduate from Southwestern University School of Law, with a specialization in Entertainment & Media Law. Mr. Young is also the first Attorney to hold both a Certificate of Sports Law from the National Sports Law Institute and a Masters of Law in Entertainment & Media Law. Mr. Young specializes in Advertising Law, Business Law, Computer Law, Entertainment Law, Intellectual Property Law, Media Law, and Sports Law. Mr. Young has counseled, represented, and negotiated on the behalf of clients with companies such as Activision, Converse, Steve & Barry’s, Finish Line, St. Paul Saints Professional Baseball Club, Zazzle.com, ROSFORTH Productions, Danish Broadcast Corporation, New Folk Records, Pretty Dangerous Films, Cosmic Productions, Velocity Pictures, BowChica Mobile, and Wireless Ronin Technologies, among others. As an Entertainment Attorney Mr. Young has represented Professional Athletes and Coaches, Independent Film Makers, Professional Writers, Professional Graffiti Artists, Recording Artists, Producers, and Musicians. A sampling of Mr. Young’s clients includes Foursome Financial, Twenty/20 Wireless, Twin Cities Film Fest and Warbux Sports & Entertainment. Mr. Young is a member of the State Bars of Minnesota and Wisconsin, a member of American Bar Association and the ABA’s Entertainment & Sports Law Section, a member of the Sports Law Alumni Association of the National Sports Law Institute at Marquette University Law School, and a former Pro Bono Mediator for the Equal Employment Opportunity Commission.

Our Executive Team

The principals at Zuma have over 30 years combined experience in the Debt Settlement industry, nobody knows it better.



Our Management Team

Our management is comprised of professionals from the fields of financial planning, credit counseling, collections, and financial coaching.