Charlotte E. Thomas


  • Charlotte E. Thomas
  • Phone: +1 215 979 1170
    Fax: +1 215 405 2582

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  • Duane Morris LLP
    30 South 17th Street
    Philadelphia, PA 19103-4196

Charlotte E. Thomas practices in the area of complex business litigation. Ms. Thomas views commercial litigation as an offshoot of business and crafts litigation strategies that are tailored to the specific needs of the client. Her practice promotes client involvement and control over litigation strategy and goals. Ms. Thomas has an active mediation practice that complements her emphasis on cost-effective solutions to business disputes.

Ms. Thomas has served as lead trial counsel in numerous jury and nonjury trials and in arbitrations in venues through the country.

Ms. Thomas has authored a number of articles about the practice of law, as well as several scholarly law review articles. She has written for the Legal Intelligencer.

Ms. Thomas is a 1984 honors graduate of Vermont Law School, where she was business editor of the Vermont Law Review and a member of the Moot Court Advisory Board, and a graduate of the University of Pennsylvania (M.C.P.) and Union College (B.A., cum laude).

Representative Matters

    Commercial Disputes

  • Represented financial institution in claims of antitrust and trademark infringement relating to credit affiliation.
  • Represented financial institution in numerous lender liability defenses.
  • Represented manufacturer in antitrust dispute and trademark dispute in alleged group boycott.
  • Obtained defense award for a financial advisor in consumer arbitration.
  • Represented institution in litigation over publication rights.
  • Class Actions

  • Represented employers in class actions brought under the Fair Credit Reporting Act.
  • Represented financial institution in class action brought over the alleged failure to mark mortgages satisfied.
  • Represented insurer in class action arising out of denial of coverage.
  • Represented company in class action arising out of the sale of interests in structured settlements.
  • Represented lender in class action filed to recover for financed home improvements that were negligently constructed.
  • Represented financial institution in class action related to saving disclosures.
  • Represented financial institution relating to balloon disclosures in subprime market.
  • Represented manufacturer in antitrust and intellectual property class actions.
  • Employment Litigation

  • Represented an educational institution in publication-related and termination claims by an academic.
  • Represented a cosmetic company in age discrimination claims by former employee.
  • Represented company in litigation brought by former employee regarding the terms and conditions of employment.
  • Represented corporation in connection with employee termination agreements.
  • Insurance Liquidation Matters

  • Consedine v. HRN Services Inc., 2014 WL 788030 (C.D. Cal. 2014). Obtained summary judgment on defenses of release and negligent claims handling in large deductible reimbursement case.
  • Koken v. OneBeacon Ins. Co., 392 MD 2005 (Pa. Commw. Ct.). Represented liquidator of an insolvent insurer in a preference action based on security posted in pre-rehabilitation.
  • In re Pemaquid Underwriting Brokerage, Inc., 319 B.R. 824 (Bankr. D.N.J. 2005). Represented the liquidator of an insurance company in the alternative insurance market in a dispute in bankruptcy regarding rights to imprest funds.
  • Represented an insolvent insurer's estate in various coverage claims and in intervenor matters such as direct access to reinsurance.
  • Represented an insolvent insurer's estate in claims of fraud arising out of a limousine insurance program.
  • Represented an insolvent insurer's estate in numerous claims for premium due from Management General Agents.
  • Insurance Matters

  • Successfully represented an insurer in a certified question to the New York Court of Appeals, in which the Court ruled that there is no implied private right of action under section 230 of the New York Public Health Law for bad-faith and malicious reporting to New York’s Office of Professional Medical Conduct.
  • Represented an insurance agency over the sufficiency of coverage based on a limiting endorsement covering an urban market.
  • Represented a company concerning the alleged sale of life viatical settlements.
  • Represented an insurer in coverage claims relating to construction contracts.
  • Receivership Disputes

  • FDIC v. Kolea, 92 F.3d 1170 (3d Cir. 1996). Obtained judgment after trial for receiver of federally chartered thrift in a troubled development.
  • Represented the Receiver in professional liability actions against directors and officers, accountants, attorneys, appraisers and for borrower fraud.
  • Represented the Receiver in asset recovery actions.
  • Defended the Receiver in tort claims.

Areas of Practice

  • Commercial Litigation
  • Class Action Litigation
  • Consumer Litigation
  • Employment Litigation

  • Insurance and Financial Institutions Insolvencies
  • Alternative Dispute Resolution
  • Securities and Broker-Dealer Litigation


  • Pennsylvania
  • New Jersey


  • Vermont Law School, J.D., cum laude, 1984
    - Business Editor, Vermont Law Review
    - Moot Court Advisory Board
    - Vermont Legal Research Group
  • University of Pennsylvania, M.C.P., 1984
  • Union College, B.A., cum laude, 1979


  • Duane Morris LLP
    - Partner, 2009-present
  • WolfBlock LLP, 1995-2009
    - Partner, 1997-2009
  • Mannino Griffith PC, 1994-1995
  • Resolution Trust Corporation, 1992-1994
  • Klehr Harrison Harvey Branzburg & Ellers, 1988-1992
  • Gratz Tate Spiegel Ervin & Ruthrauff, 1984-1988

Professional Activities

  • American Bar Association
  • Pennsylvania Bar Association
  • Philadelphia Bar Association
    - Member, Federal Courts Committee
  • New Jersey Bar Association
  • Lecturer at Law, Tax Moot Court, Rutgers Law School

Honors and Awards

Civic and Charitable Activities

  • Ardmore Free Library
    - Board of Trustees, 2012-present
  • Friends Child Care Center
    - Former Officer, Board of Directors

Selected Publications

Selected Speaking Engagements

  • Pa. Claim Limits Ruling Will Clarify Consumer Protections", Law360, March 16, 2020
  • "Arbitration and Class Action Waiver Clauses in Consumer Contracts," Philadelphia, PA, September 20, 2019
  • "Advanced Issues in Pennsylvania's Unfair Trade Practices and Consumer Protection Law," Philadelphia, March 6, 2015
  • "Ascertainability and Damages Issues in Food and Cosmetic Mislabeling Class Actions," Webinar, September 17, 2014
  • "Mediation 101: The Nuts and Bolts of Mediation," Philadelphia, April 4, 2012
  • "Preparing the Expert Record for a Daubert Motion," Cherry Hill, New Jersey and Philadelphia, February 11 and 21, 2008
  • "Consumer Arbitrations," National Association of Independent Broker Dealers, Philadelphia, June 7, 2004