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Caroline J. Levine

Associate

Financial Services

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  • Overview
  • Publications
  • Insights

Overview

Caroline Levine represents some of the most prominent names in the U.S. and global banking and financial services industry, including national and regional banks, private equity firms, private lenders, credit unions, financial services entities, mortgage servicers, consumer and commercial lenders, online payment processors, investors, credit card issuers, and commercial debt buying and collection professionals. She builds long-term client relationships through clear communication and a deep understanding of financial institutions’ business objectives.

Caroline’s practice spans commercial lending, where she structures and prepares loan documents for financial services clients, and distressed loans, including the bank’s role in borrower bankruptcies. She represents lenders and debt servicers in residential and commercial foreclosure actions and suits on notes and guarantees. She also advises clients on garnishments, levies, freeze orders, and civil and criminal subpoenas. As a judicial intern for the Honorable Jacob A. Brown and the Honorable Jason A. Burgess at the U.S. Bankruptcy Court for the Middle District of Florida, Caroline gained deep insight into bankruptcy proceedings and the challenges facing debtors and lenders.

Whether identifying opportunities or mitigating risks, Caroline excels at recognizing broader implications for her clients' business goals and advising on strategies to achieve them. She ensures that financial services clients are well informed about the regulatory components and implications of every transaction. Caroline advises on a variety of regulatory matters, such as the Fair Credit Reporting Act (FCRA), Truth in Lending Act, Fair Debt Collection Practices Act (FDCPA), Fair Credit Billing Act, Telephone Consumer Protection Act (TCPA), Florida Deceptive and Unfair Trade Practices Act (FDUTPA), Real Estate Settlement Procedures Act, Florida Consumer Collection Practices Act (FCCPA), and other regulatory concerns. She also represents banks and certified development companies in matters concerning SBA rules and regulations.

As a law student at the University of Florida Levin College of Law, Caroline served as Founding President of the Florida International Law Society, presented at the 2024 Jacksonville Bankruptcy Bar Association Annual Seminar, served as Senior Research Editor for the Florida Law Review, and was a teaching assistant in legal writing.

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Education

  • University of Florida Levin College of Law, J.D. | 2026
  • University of Florida, B.A. | 2022

Bar Admissions

  • Florida

Related Services

Publications

  • Caroline J. Levine, A Fresh Start for Renters: Amending the Florida Statutes to Provide Renters a Greater Wildcard Exemption in Bankruptcy, 36 U. Fla. J.L. & Pub. Pol’y ___ (2026).
  • Caroline Levine, “Thoughts on the Oral History of Judge Proctor’s Legacy,” The Cramdown: Tampa Bay Bankruptcy Bar Association Newsletter (2025). 

Education

  • University of Florida Levin College of Law, J.D. | 2026
  • University of Florida, B.A. | 2022

Bar Admissions

  • Florida

Related Services