My experience working in Bankruptcy Court positions me to work quickly, effectively, and persuasively to advocate for my clients. From initial intake to all stages of appeal, I take a collaborative approach, working closely with clients to ensure we’re aligned on goals and making informed decisions every step of the way. I enjoy finding favorable solutions for my clients - whether it includes aggressively defending litigation or thinking creatively to resolve a matter outside of the courtroom.

Annarose Harding is a litigator who primarily represents lenders and secured creditors in real estate foreclosures, mortgage and credit reporting litigation, ad valorem property tax suits, and bankruptcy matters. In her creditors’ rights practice, she has led numerous bench and jury trials in both state and federal courts. She also has extensive experience defending her clients’ interests for matters on appeal on both the state and federal level.

Representing financial institutions related to state and federal consumer protection statutes, Annarose defends clients against claims under the Texas Debt Collection Act (TDCA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Fair Debt Collections Practices Act (FDCPA), Truth in Lending Act (TILA), and others. Her work includes a specialized knowledge of lending liability claims involving home equity loans (HELOCs) and reverse mortgages.

Annarose is proudest of her work ethic and dedication. These skills were honed and proven when she graduated near the top of her class after attending law school at night while working full-time as the Courtroom Deputy for retired Hon. Karen K. Brown, Bankruptcy Judge for the Southern District of Texas. Upon passing the bar, Annarose served as Judge Brown’s Law Clerk. These combined courtroom experiences equipped Annarose with a thorough understanding of the judicial perspective. She approaches each matter with an unparalleled visibility into the bench’s rationale, priorities, and operations.

She excels at quick and comprehensive research, writing persuasive motions, and building a solid foundation of trust and partnership with her clients. She understands how important it is to keep things moving efficiently, so she carefully balances her priorities of meeting deadlines and achieving goals with providing excellent client service.