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Sandhya M. Feltes


Phone: 610-941-2561
Fax: 610-684-2011
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Assistant: Patti J. Hallman

Sandhya M. Feltes is a principal of the firm and a member of the Commercial Litigation and Construction & Surety Law Departments. She is an experienced consumer financial services attorney who provides strategic and pragmatic advice and counsel to clients. Sandhya regularly represents national and state-chartered banks, residential mortgage lenders and loan servicers in complex state and federal litigation. She defends her clients in class actions, mass actions and single consumer claims involving all aspects of mortgage lending, including claims under the ECOA, FCRA, FDCPA, TILA, and state UDAP statutes. Given the ever-changing regulatory environment, Sandhya continually monitors the alphabet soup of consumer protection laws, from Regulation B to Regulation Z.

Sandhya represents surety companies in a wide range of disputes involving complex performance and payment bond claims, the enforcement of rights and remedies under indemnity agreements and the negotiation and drafting of completion and takeover agreements. Sandhya regularly assists project owners, construction contractors, and subcontractors on payment and performance defaults and breach of contract issues.

Sandhya services the insurance industry in a variety of insurance-related matters involving complex coverage disputes, bad faith, first-party claims, and third-party claims. Having litigated hundreds of insurance matters, she recognizes the importance of providing a comprehensive and practical strategy for each case. She utilizes alternative dispute resolution methods, where appropriate, to resolve matters without the need for protracted and costly litigation.

Sandhya has successfully handled appeals in the Third Circuit as well as in numerous state appeals courts. She has significant trial experience in both federal and state courts in Pennsylvania and New Jersey.

Active as a speaker on legal topics, she has presented seminars on a variety of topics, including lender liability, Pennsylvania surety bond law, construction warranties, hearsay, trying an arbitration case, motion practice and deposing fact witnesses.

Sandhya is a graduate of Villanova University School of Law. She is admitted to practice in the Supreme Court of Pennsylvania, the Third Circuit Court of Appeals, the United States District Courts for the Eastern and Western Districts of Pennsylvania and the District of New Jersey, and in the State of California.

Practice Areas

Representative Experience

  • E&H Steel v. PSEG, New Jersey Appellate Division (2018). Payment dispute between contractor and project owner.
  •  Hawk v. Carrington Mortgage Services, et al, Middle District of PA (2016). Obtained summary judgment on borrowers’ RESPA claim due to borrowers’ failure to allege or prove RESPA damages.
  • Jobe v. Argent Mortgage Company, LLC, Third Circuit Court of Appeals (2010). On a matter of the first impression, the Third Circuit found that a borrower’s ability to repay is a precondition to rescission of a residential mortgage loan under the Truth in Lending Act.
  • In re Madera, the Third Circuit Court of Appeals (2009). Obtained summary judgment on behalf of a lender based on the application of the Rooker-Feldman doctrine, which barred borrowers from relitigating state court judgments in federal court.
  • Fairfield Henry, LLC. v. Philadelphia Indemnity Insurance, Eastern District of PA (2014). Obtained declaratory judgment in favor of insured and a determination that the carrier had a duty to defend and indemnify the insured in multiple lawsuits.

Community Involvement

  • Park and Open Space Board, Whitpain Township
  • Home at Last Dog Rescue
Publications & News


  • Are you E-Verifying Your Employees? – Kaplin Stewart blog – November 1, 2016
  • Residential Borrower’s New Duty to Prove Ability to Repay Loan Proceeds before Rescinding Mortgage Loan – Kaplin Stewart Newsletter
  • Recent Case Developments and Proposed Changes to Pennsylvania’s Mechanics’ Lien Law – Kaplin Stewart Construction Report – July 2011

Speaking Engagements/Seminars

  • Surety Bonds and Subcontractor Default Insurance
  • Performance and Payment Bonds
  • Mechanics’ Lien Law Updates
  • Mechanics’ Lien Law, Prompt Payment and Surety Bond Law in Pennsylvania
  • Construction Lien Law and Payment
  • Understanding Article 9 of the U.C.C.

Honors & Accolades

  • Legal Intelligencer Top Women in Law, 2016
  • Best Lawyers 2021




News & Resources Life

Sandhya enjoys kayaking and running in local charitable 5Ks. She enjoys walking her rescue dogs on numerous trails throughout the region. She is actively involved with a dog rescue group which saves dogs from high kill shelters.



  • Pennsylvania, 1990
  • New Jersey, 1990
  • California, 1995
  • U.S. District Court Eastern District of Pennsylvania
  • U.S. District Court Western District of Pennsylvania
  • U.S. District Court Middle District of Pennsylvania
  • U.S. District Court District of New Jersey
  • U.S. Court of Appeals 3rd Circuit


  • Villanova University School of Law, Villanova, PA, J.D., 1990
  • George Washington University, Washington, DC, B.A., 1987


  • Philadelphia Surety Claims Association – Board Member and Vice President
  • Philadelphia Women in Construction
  • Pennsylvania Bar Association – Committee of Women in the Profession
  • American Bar Association
  • California Bar Association
  • Surety Claims Institute
  • Villanova Law Women’s Network, Board member