Melissa J. Whalen

Lead Attorney, Default Services
Florence, Kentucky

Melissa is the Lead Litigation Attorney and Attorney for Ohio in the Default Services Practices Group.  She comes to Gerner & Kearns with twenty years of experience in the area of creditor's rights.  She practices in Ohio and Kentucky and is licensed in both state and federal district courts in both states.  She has experience in foreclosure, bankruptcy, criminal forfeiture, title disputes, condemnation, and probate land sale proceedings. 

Melissa is a life-long Kentucky resident, graduating cum laude from Centre College of Kentucky and magna cum laude from Chase College of Law. Prior to working in private practice, she completed a legal externship with Federal District Judge William Bertelsman and worked as a law clerk for Clermont County Common Pleas Judge Robert Ringland.   She lives in Fort Thomas with her two children and spends her time volunteering with her local school and church, and cheering on the Ohio State Buckeyes. 

Areas of Practice

  • Creditor's Rights
  • Litigation
  • Foreclosure
  • Bankruptcy
  • Eviction
  • Probate

Bar Admissions

  • Ohio, 1997
  • Kentucky, 1998
  • U.S. District Court Southern District of Ohio
  • U.S. District Court Northern District of Ohio
  • U.S. District Court Eastern District of Kentucky
  • U.S. District Court Western District of Kentucky


  • Northern Kentucky University, Salmon P. Chase College of Law, Highland Heights, Kentucky
    • J.D. magna cum laude - 1997
    • Law Review: Northern Kentucky Law Review , Student Articles Editor, 1996 - 1997
  • Centre College, Danville, Kentucky
    • B.A. cum laude - 1989

Published Works

  • Loss Mitigation after the Housing Crash: Navigating through the Making Home Affordable Program, Bench & Bar, Vol 76, No. 6, 2012

Honors and Awards

  • Judge Judy West Award, 1996

Professional Associations and Memberships

  • Northern KY Bar Association
  • Cincinnati Bar Association

CONTACT Information

Melissa J. Whalen

Lead Attorney, Default Services

D 859.547.4020

F 859.292.5310

[email protected]

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