Confounding Statutes, How Does Statutory Interpretation Work Again?
This article, originally published in the May 2026 Edition of The Advocate, explores several examples of Idaho statutes where the presence of ambiguities and confusion…
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Sheila Schwager is Chair of the Creditor Rights/Bankruptcy practice group and a member of the the firm’s Board of Partners. Her practice includes representation of consumer and commercial lenders involving the Uniform Commercial Code, federal and state lending laws, bankruptcies, foreclosures, collections, workouts, and the defense of lender liability claims. She has extensive experience with State and Federal consumer protection laws on behalf of creditors, including federal and state telemarketing laws, credit reports, Fair Debt Collection Procedure Act, and loan workouts.
Sheila is licensed to practice in Idaho, Oregon, and Washington. She participates in litigation and trials in California and has appeared before the Ninth Circuit Court of Appeals several times. She represents creditors in bankruptcies, including the defense of bankruptcy preference actions, across the United States, such as ARAMARK Uniform and Career Apparel, LLC. She is a member of the ABI (American Bankruptcy Institute). She is also an Adjunct law professor of Bankruptcy for the University of Idaho.
In the spring of 2022, Sheila was the first woman in Idaho inducted into the American College of Bankruptcy, a prestigious invitation based on a proven record of the highest standard of expertise, leadership, integrity, professionalism, scholarship, and service to the bankruptcy and insolvency practices and to their communities.
Sheila’s work within the legal community has been recognized by Best Lawyers – Bankruptcy and Creditor Debtor Rights / Insolvency and Reorganization Law (since 2019); Chambers & Partners— Bankruptcy & Restructuring (since 2008); Mountain States Top 50 Women Super Lawyer designation (since 2013), and Idaho Business Review’s Leaders in Law – Partner, and Women of the Year. Sheila also received the Professionalism Award from the Commercial Law & Bankruptcy Section of the Idaho State Bar. She received the Idaho Business Review’s Accomplished Under 40 award and Women’s & Children’s Alliance Tribute to Women & Industry (TWIN) award. Sheila conducts pro bono services for the Idaho State Bar, including CASA, participating in the Bankruptcy Hotline, acting as an arbitrator for attorney fee dispute cases between local attorneys and their clients, and is involved with I-CARE, an educational group of professionals working with high schools to provide credit issue counseling and education. She participated as an Attorney Mentor in Youth Court and in mock trial presentations for local high schools.Sheila is a graduate of the Boise Metro Chamber of Commerce’s Leadership Boise Program; and she served on the Idaho Humane Society’s Board of Directors where she was a past-President.
Idaho, since 1994
Oregon, since 2017
Washington, since 2019
Idaho State Bar, Governing Board Member of the Commercial Law & Bankruptcy Section, 2002-2008
American College of Bankruptcy, since 2022
Idaho State Bar, Idaho Commercial Law & Bankruptcy Section, since 1994
Idaho State Bar, Chairperson for the U.S. Bankruptcy Court Advisory Committee on Local Rules, 2006-2016
Idaho State Bar, U.S. Bankruptcy Court Advisory Committee on Local Rules 2001-2005
ABI (American Bankruptcy Institute)
American Bar Association
Inns of Court
Women’s and Children’s Alliance (WCA), Board Member since 2024
Law School:
University of Idaho, J.D. summa cum laude, 1994
Undergraduate:
University of Idaho, B.S. cum laude, 1991
Ms. Schwager represents a number of creditors, including:
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