Creditor Rights Law - Commercial Finance Enforcement - Banking Law

Harmony Oswald, Esq.

Featured on the cover and in the Banking & Finance section of the

2020- 2021 Silicon Valley Business Journal Book of Lists

CA Banking and Creditor Rights Lawyer

     Harmony is an experienced finance enforcement litigator. She boasts an undefeated trial record. During the pandemic, she made virtual appearances in court, winning 16 trials. She is a veteran of the U.S. Army First Infantry Division, where she served as a soldier and broadcast journalist (46R) overseas. She excels at emotionally intelligent communications with defendants, opposing counsel, and judges to arrive at quick and efficient resolutions, effectively helping her clients meet their goals. Harmony graduated Summa Cum Laude from Pennsylvania State University, where she earned a B.A. in Law and Society. She earned her Juris Doctor degree at Santa Clara Law, where she received a High Tech Law Certificate with Honors. She's been a member of the CA Bar since 2016, and she is admitted to the United States District Courts for the Northern, Central, Eastern and Southern Districts of CA. Harmony's practice focuses on pre-judgment recovery of collateral, litigating deficiency balances to judgment, and enforcement actions to collect on wages, bank accounts, vehicles, and real estate. In May 2022, she was a guest speaker at the AACFB Annual Conference (Charlotte, NC) at their"fraud roundtable." She has been published by Monitor Daily, AACFB Commercial Break, and NEFA Newsline.

     Harmony has been married for over 18 years, and she's the mother of two amazing young adults- a daughter who is in pre-vet studies at UC Davis and a son who will be attending UC Hastings College of the Law in fall 2022. Outside of her work as a litigator, Harmony enjoys entrepreneurship, travel, art, books, autumn, hiking, the beach, and spending time with family.​