Kelly A. Karstaedt is an associate attorney with over four years of experience in representing small and large financial institutions with collection matters. Ms. Karstaedt’s main areas of practice include creditor’s rights in commercial collections and bankruptcy with a particular focus on post judgment collection activities.
Ms. Karstaedt was born and raised in a small country community outside of Pittsburgh, Pennsylvania, where her ancestors originally settled after emigrating from Germany in the early 1700’s. Ms. Karstaedt graduated at the top of her high school class from Greensburg-Salem High School and moved to Erie, Pennsylvania to major in biology at Gannon University. In pursuit of her biological science degree, Ms. Karstaedt expressed her passion for protecting the environment by joining the Tri-Beta Biological Honors Society and participating in multiple environmental protection events, including the annual beach clean-up at Presque Isle State Park. The drive to better understand animals and how they interact with humans and their habitat alike prompted Ms. Karstaedt to take up a minor in Psychology and join the Psi Chi Psychology Honors Society. In the summer of 2002, Ms. Karstaedt was awarded a grant by the National Science Foundation to study Panamanian leaf-cutter ants at the University of Kansas with world-renowned ant expert Cameron Curry, one of the top researchers in his field. Ms. Karstaedt earned a Bachelor’s of Science Degree, graduating Magna Cum Laude.
Ms. Karstaedt earned a Juris Doctorate degree from Florida Coastal School of Law. While working on her degree, Ms. Karstaedt served as Treasurer and Vice-President of the Animal Law Society. Ms. Karstaedt was also appointed student coach of Florida Coastal’s first Animal Law Moot Court Team, which went on to make it to the semi-final rounds of the annual Animal Law Moot Court Competition at Harvard University.
For the first three years of her practice, Ms. Karstaedt was engaged in representing a number of the country’s largest lending institutions in consumer collection matters. Ms. Karstaedt has extensive experience in litigating collection matters, particularly in the arena of post-judgment collection efforts. Ms. Karstaedt has expanded her practice to include creditor’s rights in commercial collections and bankruptcy proceedings.
When not working diligently for her clients, Ms. Karstaedt uses her spare time to create, plan and oversee numerous firm events and activities as chairperson of the Jimerson & Cobb’s Event Planning Committee. Ms. Karstaedt handles public relations for the Jacksonville Women Lawyers Association and is also the current Secretary of the Downtown Rotaract Jax Club, which dedicates it’s time to service projects benefitting the Jacksonville community.
Ms. Karstaedt is married to local attorney Brandon Stanko and resides with her husband, two cats Medea and Dionysus, and puppy Orion in Jacksonville. Although originally from the north and used to endless winters, Ms. Karstaedt now spends the majority of her free time outdoors at the pool or the beach enjoying the beautiful Florida sunshine. Ms. Karstaedt’s favorite hobbies include watching professional football and soccer, reading books for book club, baking, and watching her husband play soccer with friends.
Bar and Court Admissions
- The Florida Bar
- The Jacksonville Bar Association
- The Jacksonville Bankruptcy Bar Association
- U.S. District Court, Middle District of Florida
- U.S. District Court, Northern District of Florida
- U.S. District Court, Southern District of Florida
- Florida Coastal School of Law, J.D.
- Gannon University, B.S.
Magna Cum Laude
• The Florida Bar
• The Jacksonville Bar
• The Jacksonville Bankruptcy Bar Association
• The Jacksonville Women Lawyers Association (Vice President of Public Relations 2013-current)
• Hubbard House
• Downtown Rotaract Club of Jacksonville (Secretary 2013-current)
• The Jacksonville Zoo
• GIRLS (Chair – Professional Development and By-Laws Committee)
• Risk Management Association (Board of Directors)
Commercial Litigation and Creditors Rights
- Represented multiple national financial lending institutions in litigation and alternative dispute resolution capacities for consumer collection matters, resulting in millions of judgments and stipulated settlement agreements.
- Obtained numerous pre-suit full value payments of the balance owed for a nationwide medical supply company.
- Negotiated a settlement agreement for 15% of the suit amount for a local small business owner, which resulted in the dismissal with prejudice of the pending civil action.
- Conducted various methods of post-judgment activities, including depositions in aid of execution, bank and wage garnishments, to collect hundreds of thousands of dollars in consumer and commercial debt.
- Defaulted and/or terminated numerous automotive repair franchise agreements, negotiated payment of the outstanding royalty balances and litigated breaches of the agreement for violations of a non-compete.
- Recovered over a million dollars in consumer and commercial debt through pre-suit negotiations, litigation and post-judgment execution.
- Represented out-of-state individual and commercial creditors in domesticating foreign judgments and defending an action to contest the foreign judgment.
- Advised local homeowner’s association of the various methods of post-judgment collection and the statutory methods and requirements for executing on a judgment, including counseling on the likelihood of success for each method based on information obtained from a thorough asset and lien search.
- Successfully tried County Court cases for breach of contract, account stated and open account in various creditor’s rights actions against individual consumers.
- Defeated a motion for proceedings supplementary and obtained an order of the court requiring the judgment creditor to vacate a domesticated foreign judgment.
- Facilitate recovery of past due condominium assessments from initial demand through lien foreclosure actions.
- Levied on real and personal property of judgment debtors, prompting payment of the outstanding debt in full prior to sheriff’s sale.
- Pursued past due condominium assessments against individual and commercial owners from filing a judicial lien through foreclosure and sale of the unit.
- Represented community bank as creditor in obtaining conditional dismissal of the action and distribution from the estate.
- Appeared on behalf of small and mid-size businesses as creditors in Chapter 7 bankruptcy liquidation proceedings.
- Represented creditors in defense of a various preference actions for payments made to creditors in the ordinary course of business
- Obtained relief from the automatic bankruptcy stay for multiple creditors in order to sell personal property collateral or foreclose on real property.
- Defeated a motion for injunctive relief in a Chapter 7 bankruptcy action in order to allow a hearing to proceed on a motion for attorneys’ fees as a sanction, a matter of first impression in the Jacksonville Division of the Middle District Bankruptcy Courts.
- Represented debtors in adversarial actions seeking non-dischargeability of specific debts allegedly created by fraudulent means.
- Authored opinion letter and memorandum of law pertaining to the ability to challenge dischargeability of a debt in bankruptcy post-discharge.
Banking and Lender Liability Law
- Counseled community bank on the process and procedures for liquidating a Small Business Administration loan.
- Represented multiple financial and lending institutions in civil actions on a note, mortgage foreclosure and against personal guarantors for residential and commercial property loans resulting in settlement agreements for reduced and full value payment of the notes.
- Successfully litigated real consumer property mortgage foreclosure action to final judgment and sale.
- Assisted local bank with the assumption of a Small Business Administration loan process and effectuating deed-in-lieu transfer of real property to avoid excessive loss on a commercial loan.
- Assisted commercial client with negotiating settlement of an eviction proceeding, allowing client to remain in possession of the property.
-“Bankruptcy 101 for Bankers”, First Coast Chapter of the Risk Management Association, April 2013.
-“Florida Collection Law – Tips and Strategies”, National Business Institute, May 2013.