My clients will tell you that I’m always responsive.  Even when I’m traveling, I have a laptop with me.  And it’s important for me to be responsive, so my clients know that I’m always here – to help them figure out what they need and to get it done as quickly and efficiently as possible. 


Mike Ayers is a trial lawyer and litigator who represents banks, financial institutions, and collection agencies in federal and state courts across the United States.  He represents clients in regulatory enforcement proceedings, class actions, and other lawsuits involving challenges to interest rates, fees, and other contract terms in consumer loans, and the enforcement of arbitration provisions in consumer credit contracts.  He has successfully defended clients in government investigations, subpoena responses, litigation, and other proceedings involving state agencies. His clients include some of the largest financial institutions and collection companies in the nation as well as smaller enterprises and Internet-based providers.

Mike also advises on compliance with federal and state consumer financial services laws, including the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Telephone Consumer Protection Act, and he provides counsel on the design and documentation of credit products.  He also assists lenders, law firms, and collection agencies with state licensing issues and the development of best practices to protect against adverse compliance actions and claims. Further, Mike specializes in Housing and Urban Development, and Low Income Housing Tax Credit evictions in numerous states. Mike also defends construction companies against subrogation and construction defect claims and handles professional liability, medical marijuana, products liability and personal injury defense matters.

Practice Groups:

Commercial Litigation, Consumer Finance,
Professional Liability, Construction Defect,
Employment Law

Bar and Court Admissions:

State Bar of Nevada
State Bar of Arizona
State Bar of Florida
State Bar of Colorado, pending
U.S. District Court, Districts of Nevada, Arizona, Colorado, and Northern Florida
Native American Bar Association of Arizona