Areas of Expertise
Karunya is an experienced finance and capital lawyer who focuses on mortgage enforcement, recovery proceedings, and dispute resolution. She advises lenders and borrowers across the full spectrum of enforcement and recovery matters, from early-stage defaults and strategic recovery planning through to possession proceedings, mortgagee sales, and complex disputes involving borrowers, guarantors, and competing creditors.
Known for her pragmatic and commercial approach, Karunya partners closely with clients to develop tailored enforcement strategies that protect their interests and maximise recovery outcomes. Her deep understanding of lender priorities, combined with her experience across all Australian jurisdictions, enables her to provide clear, practical advice and efficiently navigate complex matters to achieve commercially effective results.
Qualifications/Memberships
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Bachelor of Laws/ Bachelor of Business and Commerce (Human Resources Management and Industrial Relations
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Graduate Diploma of Legal Practice
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Member of the Australian Restructuring Insolvency & Turnaround Association (ARITA)
A word from Karunya
I am passionate about working closely with clients to navigate complex legal issues and deliver practical, commercially focused solutions. The most rewarding aspect of my work is identifying strategic pathways forward to achieve favourable outcomes while fostering the trusted professional relationships that make those outcomes possible.
With extensive experience in mortgage enforcement and dispute resolution, I pride myself on providing clear, pragmatic guidance that helps clients mitigate risk, make informed decisions, and confidently achieve their commercial objectives.
Career highlights
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Managing and played a key role in the growth of a portfolio of secured debt recovery work and achieving successful recoveries on over 300 matters.
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Contributed to a successful outcome in a precedent-setting Supreme Court decision, concerning allegations of unconscionable conduct, unjust contracts, and the enforceability of high-interest short-term lending arrangements. The matter involved complex issues relating to Australian Consumer Law, the ASIC Act, penalties, and equitable relief.
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Managed a high-volume mortgage enforcement and recovery practice for a non-bank lender, overseeing matters across multiple jurisdictions and delivering timely, commercially focused outcomes for the client.
Specific areas of focus
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Banking and finance disputes
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Insolvency and debt recovery
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Real Property disputes
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Securities advice and enforcement regarding real and personal property