Summer Bonus Episode - Marilyn Lyles Artwork

What the M

Do you ever wonder who is behind the scenes collecting and processing all those monthly mortgage payments throughout the entire country? In the world of residential mortgages, the mortgage servicing industry is a critical but not always visible player in the lending and home ownership process. Unveiling how mortgage servicers manage the residential homeownership industry is the concept behind “What the M,” a new podcast that discusses the complex issues facing default services and the path forward for the mortgage industry and homeowners alike. The industry is comprised of more than 160 mortgage servicers representing more than 80% of the outstanding principal balances on mortgages in the U.S. Without the involvement of these vital mortgage servicers, obtaining and maintaining a home mortgage as we know it would not exist.“‘What the M’ features industry movers and shakers discussing the challenges faced by mortgage servicers, law firms and the American homeowner,” said Stephen Hladik, one of the co-hosts for the podcast and chair of the Advisory Council of the Legal League 100. “We will discuss trends in the economy, regulatory oversight, changes in the law, changes in technology and a myriad of other factors affecting the industry.”Hladik and co-host Kent McPhail are experienced attorneys with multistate practices in the default servicing industry. Both have decades of experience representing secured creditors; however, each host brings his own unique perspective to the podcast. McPhail hails from the Deep South (think boiled peanuts and shrimp & grits), while Hladik hails from the Northeast (think cheesesteaks and scrapple). “With this Yin and Yang, we hope to bring an entertaining and informative approach to the industry and those who make it hum,” McPhail said.Episodes of “What the M” begin airing mid-September and can be found wherever you listen to podcasts.

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What the M

Summer Bonus Episode - Marilyn Lyles

July 07, 2023 • Kent D. McPhail and Stephen M. Hladik • Season 1 • Episode 19

Did you miss us?

Kent and Steve *were* taking a brief summer hiatus before Season 2 of “What the M” drops in September. But when a fascinating U.S. Supreme Court decision was issued, Kent and Steve couldn’t wait that long to talk about it with you!

In this case, Lac du Flambeau Band of Lake Superior Chippewa Indians v. Coughlin, the Court departed from prior law and abrogated the Tribe’s sovereign immunity in bankruptcy court. Kent reached out to his friend and colleague, Marilyn Lyles, for her opinion and insight into the Court’s decision, the surprising 8-1 split, and the far-reaching impact the case could have in not only bankruptcy courts, but state courts as well.

Marilyn Lyles graduated from the University of Alabama (Roll Tide!) with a BA in English and received her Juris Doctorate from the University of Akron School of Law. Marilyn’s extensive experience as both a creditors’ rights attorney and as the Assistant Attorney General of the Poarch Band of Creek Indians, make her uniquely suited to bring her wisdom to the discussion of this groundbreaking case.

Welcome to What the M, Marilyn!

What the M is hosted by Kent McPhail and Stephen Hladik. Production and editing by Sarah Noel Sheffield.

People on this episode

Kent D. McPhail

Co-host

Stephen M. Hladik

Co-host