Kenneth smith

Melissa A. Huelsman, P.S.

Melissa A. Huelsman is a Seattle-based attorney admitted to practice in Washington and California (inactive), and before the Ninth Circuit Court of Appeals, United States District Courts for the Western and Eastern Districts of Washington, and the United States District Court for the Central District of California. Her practice involves plaintiffs’ civil litigation in the areas of predatory lending and mortgage loan servicing, fraud and foreclosure rescue scams.  She also practices in the United States Bankruptcy Courts in those districts in which she is admitted.


Melissa sits on the Board of CENTS, a local financial literacy program.  Ms. Huelsman is a member of the King County Bar Association and has participated extensively in its Volunteer Legal Services Program by handling numerous predatory lending and foreclosure scam pro bono cases, in addition to volunteering at a local Debt Clinic. Ms. Huelsman was named KCBA’s Pro Bono Lawyer of the Year in 2006 and was previously recognized by VLS as one of its Volunteers of the Year.  She has received a similar award from the Urban League of Seattle/Metropolitan King County. Ms. Huelsman was previously the Chairperson of the PLACE Subcommittee of the Seattle-King County Coalition for Responsible Lending.  She is also a proud member of the National Association of Consumer Advocates.


Melissa has spoken on the issues of predatory lending, foreclosure defense and foreclosure rescue scams at numerous CLEs and Bar functions, including sessions for the National Consumer Law Center and NACA; for the Washington State Bar Association; Oregon State Bar Association; King County Bar Association; King County Housing Authority; the Urban League; Solid Ground; International District Housing Alliance; HomeSight and other community organizations.  She has been interviewed by the New York Times, Wall Street Journal, BusinessWeek, Seattle Times, Seattle Post-Intelligencer, Los Angeles Times, the Daily Journal of Los Angeles,, Huffington Post, MSNBC, the Tacoma News Tribune (Knight Rider publications), Seattle Weekly and many others.  She was quoted in the NCLC Report, Dreams Foreclosed, and contributed to NCLC’s Foreclosure Manual.  Ms. Huelsman has also been interviewed by Nightline, CNBC, CNN, NPR, KOMO News, KING 5 News, KIRO News, on local and public radio stations and by a French investigative television program.  Ms. Huelsman previously served on the Board for the King County Bar Bulletin and has written numerous articles for that publication, as well as for the ABA Solo Practitioner publication.  She helped write the treatise on foreclosure rescue scams for Lexis-Nexis.

Ms. Huelsman received her Bachelor’s Degree in English from California State University at Fullerton and her Juris Doctorate from Southwestern University School of Law in Los Angeles.  During law school, Ms. Huelsman was the Managing Editor of The Commentator, President of The Criminal Law Society and received an award for her community service efforts assisting victims of domestic violence.


Bar Admissions
California - 1997 (currently inactive) 
U.S. District Court for the Central District of California - 1997

Washington - 2001 
U.S. District Court for the Western District of Washington - 2002 
U.S. District Court for the Eastern District of Washington - 2004 
U.S. Court of Appeals, Ninth Circuit - 2005


Southwestern University School of Law, Los Angeles, CA - 1997 
Juris Doctorate
- Managing Editor - The Commentator 
- Criminal Law Society, Founder and President 
- Community Service Award - 1997


University of California, Fullerton - 1993 
Bachelor of Arts in English


Honors and Awards
Pro Bono Attorney of the Year, King County Bar Association - 2006
Volunteer Attorney of the Year, King County Bar Association - 2003


Professional Associations and Memberships

National Association of Consumer Advocates

CENTS (Consumer Education and Training Services) - 2006 to Present 
Board Member

Seattle/King County Coalition for Responsible Lending - 2002 to Present 
PLACE Sub-Committee Chair

King County Bar Association

WOMBATS (Washington Women Bankruptcy Attorneys)

Washington State Association for Justice

Public Justice


Classes/Seminars Taught

"Foreclosure: How to Assist Homeowners," Live Webinar Sponsored by the Maine Trial Lawyers Association, April 2009

"Representing the Resident: Advocacy in the Shadow of Foreclosure," Northeastern University Law Journal 2009 Symposium, March 2009

"Predatory Lending and the Housing Debacle," Credit Abuse & Predatory Lending, Seattle University School of Law, September 2008

"Identify and Prevent Real Estate/Mortgage Fraud," Kinja Real Estate Education, November 2005


Articles Written

"A Brief Primer on Fighting Predatory Lending Practices" (PDF), American Bar Association, 2005

"Fraud for Lawyers and/or Fools" (PDF), King County Bar Association, 2005

"Consumer Law Clinic Formed at Seattle University" (PDF), King County Bar Association, 2003

"Profile: Ivan Orton" (PDF), King County Bar Association, 2003


Other Activities on Behalf of the Community

Worked extensively on drafting and obtaining passage of the following legislation in Washington:

- Distressed Property Statute – 2008 and revisions in 2009
- Numerous changes to the Deed of Trust Act, including the addition of RCW 61.24.127 – 2009
- Additional changes to the Deed of Trust Act - 2010
- Washington State Foreclosure Fairness Act – 2011 and 2012
- Changes to the Deed of Trust Act – 2011

Testified before Washington State Legislature on legislation regulating sale of credit insurance proposed by the Department of Financial Institutions - 2002-2003
Testified before the Washington State Legislature on legislation increasing the duties of mortgage brokers and requirements for consumer loan companies proposed by the Department of Financial Institutions – 2007, 2008 and 2009
Testified before Seattle City Council on Predatory Lending Issues and on Dangerous Dog Ordinance

Testified before Washington State Legislature on Credit Insurance Issues - 2002-2003