• Illinois
  • U.S. District Court, Northern District of Illinois (and its trial bar)
  • U.S. Court of Appeals, Third, Sixth, Seventh, Ninth and Eleventh Circuits
  • U.S. Supreme Court
  • Special admission: Alabama, California, Florida, Georgia, Indiana, Kentucky, Missouri, Nevada, New Jersey, New York, Ohio, Pennsylvania, Texas, Washington, and the U.S. Virgin Islands


Wesleyan University (B.A., with honors, 1990)

University of Illinois College of Law (J.D., cum laude, 1994)


Steve Meinertzhagen concentrates his practice on complex commercial litigation with a particular focus on representing clients in class actions, mass actions and multi-district litigation (MDL).  Steve has defended companies and organizations against numerous claims involving commercial and consumer fraud, breach of contract, employment, privacy and other common law claims, as well as state and federal statutory claims including claims brought under the Racketeer Influenced and Corrupt Organizations Act (RICO), the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the Cable Communications Policy Act (CCPA), the Home Ownership Equity Protection Act (HOEPA), the Bank Holding Company Act (BHCA), the Fair and Accurate Credit Transactions Act (FACTA), the Fair Housing Act (FHA) and the Chicago Residential Landlord Tenant Ordinance (RLTO). Steve has represented a broad range of companies in class actions, including companies in the banking, retail, real estate, energy, pharmaceutical, biotech, insurance and telecommunications industries.

While Steve’s reputation as a courtroom litigator is formidable, his goal is always to achieve the best possible result given the needs and objectives of each client, whether through early settlement, motions to dismiss, mediation, summary judgment, denial of class certification or trial.  Steve also has substantial appellate experience in both state and federal courts. In addition to the litigation aspect of his practice, Steve frequently counsels clients on compliance with federal and state laws.


Below are examples of decisions in cases Steve has handled:

  • McGee, et al v. JPMorgan Chase Bank, NA, 520 Fed.Appx. 829 (11th Cir. 2013) (affirming dismissal of mass action against loan originator in connection with alleged misrepresentations in the loan application process of borrowers in a condominium development)
  • Coleman v. Chase Home Finance, LLC, 2011 WL 2688998 (3rd Cir. July 12, 2011) (affirming 2009 WL 3806417) (D.N.J. Nov. 10, 2009) (affirming dismissal of class action consumer fraud and related claims against lender for allegedly excessive foreclosure attorneys' fees, costs and post-judgment interest)
  • Gordon, et al v. Chase Home Finance, LLC, et al, 2013 WL 436445 (M.D. Fla. Feb. 5, 2013) (denying plaintiffs' motion for certification of national classes of borrowers with lender-placed flood insurance who alleged unauthorized payments of commissions to a loan servicer's affiliate and that the loan servicer required the borrowers to maintain excessive insurance coverage amounts)
  • Tucker, et al. v. JPMorgan Chase Bank, et al., 2011 WL 280962 (D. Nev. Jan. 25, 2011) (dismissing class action against lender, servicers, and trustees for alleged failure to comply with HAMP loan modification guidelines)
  • Quezada v. Loan Center of California, et al., 2009 WL 5113506 (E.D. Cal. Dec. 18, 2009) (denying class certification of alleged common law and state consumer fraud claims brought against former loan assignee relating to option ARM loan disclosures)
  • Gillespie v. Chase Home Finance, LLC, 2009 WL 4061428 (N.D. Ind. Nov. 20, 2009) (dismissing class action claims under the FDCPA against loan servicer)
  • Biggins, et al., v. Wells Fargo & Company, et al., 2009 WL 2246199 (N.D. Cal. July 27, 2009) (dismissing class action claims against lender that purchased failed institution’s loans from FDIC on basis that lender did not assume alleged liabilities under purchase and assumption agreement)
  • Webb, et al. v. Chase Manhattan Mortgage Corporation, 2008 WL 2230696 (S.D. Ohio May 28, 2008) (granting summary judgment against putative class plaintiffs on RESPA and related state law claims for allegedly improper application of funds and escrow administration and charging excessive force-placed hazard insurance premiums)
  • Barrows v. Chase Manhattan Mortgage Corporation, et al., 465 F.Supp2d 347 (D. N.J. 2006) (dismissing class action consumer fraud claims against lender based on lack of standing)
  • Chow v. AEGIS Mortgage Corporation, et al., 2005 WL 1750392 (N.D. Ill July 6, 2005) (trial judgment in favor of lender on TILA and consumer fraud claims)
  • Fitts v. Chase Manhattan Mortgage Corporation, 2006 WL 34322296 (N.J. Super. A.D. Nov. 30, 2006) (affirming dismissal of state consumer fraud class action against lender alleging excessive foreclosure and bankruptcy attorneys’ fees and costs)
  • In re Intercorp International, Ltd., 309 B.R. 686 (Bankr. S.D. N.Y. 2004) (sanctioning debtor, its principal, attorney, and attorney’s firm for filing bad faith bankruptcy petition to avoid imposition of foreclosure judgment following trial contested on basis that loan servicer lacked standing to foreclose and that California’s “security first” rule had been violated)
  • Louis Fink Realty Trust v. Harrison, et al., 2003 WL 22595555 (S.D. N.Y. Nov. 7, 2003) (dismissing class action against lender, affiliated entities, and officers for claims arising under RESPA, FDCPA, Bank Holding Company Act, and Gramm-Leach-Bliley Act)
  • Stein v. JP Morgan Chase Bank, 279 F.Supp.2d 286 (S.D. N.Y. Aug. 27, 2003) (dismissing TILA class action arising out of interest rate calculation for home equity lines of credit)
  • Ploog v. HomeSide Lending, Inc., 2001 WL 1155288 (N.D. Ill. Sept 28, 2001) (denying class certification in a RESPA class action)


Mortgage Bankers Association , member


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