Burr & Forman

Stephen J. Bumgarner

Stephen J. Bumgarner
  • J.D., University of Alabama School of Law (1992)
  • B.A., University of Alabama (1988)



  • American Bar Association
  • Alabama State Bar
  • Birmingham Bar Association
  • Mississippi State Bar
  • Best Lawyers In America, Insurance Law (2011-2017)
  • Martindale-Hubbell® AV Preeminent Rated
  • March of Dimes, Board of Directors
  • 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 summary judgment for a nationwide lender in multiple fraud actions.

  • Secured summary judgment for Alabama manufacturer in action alleging retaliatory discharge.

  • Secured dismissal of multiple TILA actions brought against lender seeking rescission, monetary damages and other relief.

  • 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.”

Partner | Birmingham, AL

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Commercial / Corporate Litigation Consumer Finance Litigation & Compliance Financial Institution Disputes Insurance Insurance Litigation & Coverage Life, Health & Disability / ERISA

Stephen's commitment to excellence and a strong relationship with his clients guides his handling and resolution of complex litigation matters across the Southeast.

Stephen has successfully tried a number of jury and bench trials. He regularly represents financial institutions, banks, short and long-term lenders, mortgage lenders (forward and reverse) and vehicle finance entities 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, Military Lending 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 complex litigation. In addition, Stephen regularly represents Alabama employers in work-related accidents and retaliatory discharge lawsuits.

Through an Act of the Alabama Legislature, Stephen was appointed as a member of a committee tasked to study the feasibility of creating a business litigation and complex litigation court in the State of Alabama. The duties of the committee include studying the potential benefits, detriments, and the scope of a business litigation or complex litigation court; identifying the resources needed to create such a court; and reporting its findings and recommendations to the Legislature.

Stephen belongs to the Litigation and Business Sections of the American Bar Association and is a member of the Alabama State Bar and the Birmingham Bar Association. As to the Alabama State Bar, Stephen currently serves as Chair of the Business Torts & Antitrust Law Section.  With regard to the Birmingham Bar Association, for 2017, Stephen has been elected to serve as Secretary/Treasurer of the Federal Practice Section and will serve as the Chair of the Civil Courts Procedure Committee.  In addition, he is a member of the International Association of Defense Counsel (which is an invitation-only association for corporate and defense attorneys around the world), the Alabama Defense Lawyers Association, and the Defense Research Institute, where he is a member of the Commercial Litigation Committee.