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Joseph A. Apatov


1 East Broward Boulevard
Suite 1400
Fort Lauderdale, FL 33301

Joe litigates on behalf of financial services clients in both state and federal courts, with an emphasis on banks, mortgage lenders and servicers, private-label card issuers, and automobile finance companies. Joe’s practice is primarily defense oriented, with a focus on consumer finance statutes, including the Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), Fair Credit Reporting Act (FCRA), Real Estate Settlement Procedures Act (RESPA), and the Florida Consumer Collection Practices Act (FCCPA). Joe’s experience also includes representing financial institutions in complex mortgage foreclosure litigation.

Notable Cases

  • Deutsche Bank Nat’l Trust Co. v. Green, --- So.3d ---, 2018 WL 3595290 (Fla. 5th DCA July 27, 2018)
  • Kurzban v. Specialized Loan Servicing, LLC, 2018 WL 1570370 (S.D. Fla. Mar. 30, 2018)
  • Green v. Specialized Loan Servicing LLC, 280 F.Supp.3d 1349 (M.D. Fla. Nov. 30, 2017)
  • PNC Bank, Nat’l Ass’n v. Smith, 225 So.3d 294 (Fla. 5th DCA June 16, 2017)
  • Brown v. Select Portfolio Servicing, Inc., 2017 WL 1157253 (S.D. Fla. Mar. 24, 2017)
  • Deutsche Bank Nat’l Trust Co. v. Diamond, 2017 WL 587253 (M.D. Fla. Feb. 14, 2017)
  • Vetour v. PNC Bank N.A., 2017 WL 7733576 (S.D. Fla. Jan. 3, 2017)
  • Charles v. Deutsche Bank Nat’l Trust Co., 2016 WL 950968 (S.D. Fla. Mar. 14, 2016)
  • Sotomayor v. Deutsche Bank Nat’l Trust Co., 2016 WL 3163075 (S.D. Fla. Feb. 5, 2016)


  • J.D., Duke University School of Law, 2011, Duke-Geneva Institute in Transnational Law
  • B.A., Pennsylvania State University - University Park, 2007, with honors

Bar Admissions