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Stephen Bumgarner

Stephen J. Bumgarner

PH: (205) 458-5355
Fax: (205) 244-5611
Email: Stephen
PH: (205) 458-5182
Legal Secretary
Melinda Killian ()
PH: (205) 458-5234

One hundred percent of Stephen’s practice is devoted to litigation. Listed in Best Lawyers in America, Stephen has successfully tried a number of jury and bench trials. He regularly represents financial institutions, banks, short and long-term lenders, and mortgage lenders (forward and reverse) in actions alleging violations of the Truth in Lending Act, Real Estate Settlement Practices Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Telephone Consumer Protection Act, and other federal statutes and regulations. Stephen’s practice includes business litigation matters, class actions and complex commercial disputes. A large component of Stephen’s practice also encompasses the representation of retailers, restaurants, and manufacturers in lawsuits asserting tort and product liability claims. In addition, Stephen regularly represents Alabama employers in workers’ compensation and retaliatory discharge lawsuits.

  • Defeated action seeking to certify a nationwide class action against a lender relating to post-petition, pre-confirmation claims in Chapter 13 bankruptcy proceedings.
  • Defeated action seeking to certify a nationwide class action against a debt collection firm for claimed violations of FDCPA, RICO, and unjust enrichment.
  • Defeated action seeking to certify a class action against a reverse mortgage lender relating to claimed unauthorized and/or excessive loan-related fees.
  • Favorably resolved class action lawsuit against a nationwide pharmacy retailer relating to charges for copying and release of pharmacy records.
  • Secured dismissal of a TILA action brought against a lender seeking rescission, monetary damages and other relief.
  • Secured summary judgment for a nationwide lender in a fraud action.
  • Secured summary judgment for Alabama manufacturer in action alleging retaliatory discharge.
  • Secured dismissal of wrongful death claim brought under Dram Shop Act against nationwide restaurant.
  • Secured dismissal of lawsuit brought by the City of Birmingham against various lenders alleging violation of the Fair Housing Act, as a result of allegedly engaging in “reverse redlining.”
  • Secured summary judgment for nationwide restaurant in an action brought by multiple individuals claiming food-borne illness.
  • Secured victory in an arbitration proceeding for a medical specialty group in an action brought by a former employee asserting retaliatory discharge.


Professional Associations


Honors & Awards