Nicole R. Topper


Nicole Topper concentrates her practice on various litigation matters, including commercial litigation and consumer finance. Nicole represents and counsels residential mortgage loan servicers, lenders, payment processors, and other financial institutions, handling all phases of litigation, from initial investigation through trial and appeal. She is experienced with motion practice, oral argument, discovery, mediation, and trial practice.

Nicole routinely handles a wide variety of claims and compliance issues relating to residential mortgage loan interests, debt collection, creditors’ rights, and servicing issues, including securitization and standing, claims of wrongful foreclosure, violations of TILA, RESPA, FCRA, FDCPA, FCCPA, and related federal and state consumer protection laws and regulations. She also handles various commercial litigation matters inclusive of real estate disputes, landlord-tenant matters, general liability issues, breach of contract, eminent domain, fraud, and third-party claims.

Nicole also has extensive experience relating to construction defect litigation representing developers, homeowners, and condominium associations. In addition, she has represented clients in the areas of civil tort litigation and insurance defense.


  • Major institutional lenders, in foreclosures and other actions to enforce rights under real property.
  • Major lenders and financial institutions, in a wide variety of consumer finance litigation.
  • Various appellate matters in the 2nd, 3rd, 4th, and 5th DCA of Florida.

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  • District of Columbia Bar Association
  • Florida Bar Association
  • Maryland Bar Association
  • Palm Beach County Bar Association
Professional Activities

Nicole is former chair of the Florida Bar Grievance Committee “D”, and former director for the West Boca Chamber of Commerce. Nicole handles several asylum matters involving persons from various countries. She is also involved with the Broward Legal Aid and Mission United Veterans Pro Bono Legal Project.



  • Florida
  • Maryland
  • U.S. District Court - Middle District of Florida
  • U.S. District Court - Northern District of Florida
  • U.S. District Court - Southern District of Florida
  • United States Court of Appeals for the Federal Circuit


  • Florida Atlantic University, BA
  • Nova Southeastern University, Shepard Broad Law Center, JD