Lucy Budreau is a strategic and driven attorney with a strong background in litigation, legal research, and client advocacy. She brings a reputation for initiative, analytical skill, and a collaborative approach to solving complex legal problems. Lucy has represented clients in trial, arbitration, and mediation settings, and has handled matters ranging from bulk collections for large financial institutions, bench trials, and arguing motions in district, circuit, and probate courts.<br><br>She began her legal career with Warner Norcross + Judd LLP, where she worked across a broad range of litigation matters. Lucy later joined Altior Law, PC, where she continued to support litigation and arbitration teams. In a new, non-practicing role for CURE Auto Insurance, Lucy manages legal operations for the internal law firm, working closely with Claims and Legal leadership.<br><br>Lucy earned her J.D. magna cum laude from Michigan State University College of Law, where she was a Trustee Scholar and a teaching assistant for multiple legal courses. She holds a B.A. in Latin American and Caribbean Studies with a Spanish minor from the University of Michigan. Lucy is admitted to practice law in the State of Michigan, as well as in the U.S. District Courts for the Eastern and Western Districts of Michigan.<br><br>When she is not working, Lucy enjoys exploring Detroit with her husband, cooking, and spending time with their pets.

Xavier Burns is a dedicated No-Fault insurance attorney with over six years of focused legal experience advocating for clients in personal injury protection (PIP) and auto insurance cases. A graduate of Michigan State University College of Law in 2019, Mr. Burns brings both a strategic mindset and a client-centered approach to every case.<br><br>Since beginning practice in 2020, Mr. Burns has successfully handled hundreds of No-Fault cases involving denied medical benefits, wage loss, replacement services, and attendant care claims. Known for thorough case preparation and effective negotiation skills, Mr. Burns has secured favorable settlements and verdicts for his clients throughout the state of Michigan.

Eakta Dave is an experienced litigation attorney serving as in-house counsel for Citizens United Reciprocal Exchange (CURE). In this role, she handles complex first-party and provider no-fault matters from inception through resolution. Her responsibilities include drafting and arguing motions, managing hearings, conducting depositions, participating in case evaluations and facilitations, and preparing and arguing dispositive motions. Eakta is known for her strong courtroom advocacy and strategic legal analysis.<br><br>Prior to joining CURE, Eakta gained extensive litigation experience representing plaintiffs in personal injury matters—including auto no-fault, provider claims, third-party negligence, and dog bite cases—at well-regarded Michigan law firms. She has successfully managed a large caseload, negotiated settlements, and provided end-to-end litigation support. Her early career includes clerkships that refined her legal writing, research, and case management skills, including an internship with the Honorable Terrence G. Berg at the U.S. District Court for the Eastern District of Michigan.<br><br>Eakta earned her J.D. from the University of Detroit Mercy School of Law, where she received multiple Book Awards and served on the executive board of the Peer Mentor Program. She holds a B.S. in Finance from Oakland University and is fluent in Hindi, Gujarati, Punjabi, and Urdu.<br><br>She is admitted to practice law in the State of Michigan and is an active member of the Oakland County Bar Association and the Wolverine Bar Association.

Attorney Scott P. Mussin's background provides him with extensive experience in the courtroom and handling litigation cases. His experience working in the Office of the General Counsel at Ford Motor Company provided a concrete foundation to understand complex legal cases from the perspective of both plaintiff and defendant.<br><br>Mr. Mussin expanded his knowledge and experience in the private sector where he was the managing partner at Mussin & Scanland, PLLC covering a wide array of legal matters. Mr. Mussin now brings his experience to CURE with a focus on Coverage cases and preventing fraud in the legal industry.

Nelson graduated Cum Laude from University of Notre Dame Law School in 2003. Before joining The Law Offices of Chad B. Sponder, Nelson spent over twenty-years both a litigator and transactional attorney representing plaintiffs AND defendants in all aspects of state, federal and bankruptcy litigation. Away from the office Nelson enjoys spending time with his two children, volunteering, and trivia.

Clare M. Sawicki joined CURE In-House Counsel in 2023. Since joining the firm, Ms. Sawicki has worked on numerous first- and third-party litigation matters.<br><br>Ms. Sawicki earned her Bachelor of Music Performance degree from Wayne State University in 2011 and her Juris Doctorate from The University of Detroit Mercy School of Law in 2017, where she graduated with high honors. Throughout law school, Ms. Sawicki obtained additional certifications in advanced legal research and worked as the research assistant to the Dean of Students. She was named a 2014 UDM Law Fellow and is proud to continue to be an active member of the Detroit Mercy Law community.<br><br>Virtually all of Ms. Sawicki's legal career has been concentrated in the area of no-fault and auto negligence. Prior to becoming an attorney, Ms. Sawicki spent several years as a law clerk at an in-house counsel firm representing a national insurance carrier, where she obtained hands-on experience with first- and third-party no-fault litigation. She was admitted to the State Bar of Michigan in 2017 and began her career of zealously defending insurance carriers and policy holders in various stages of civil litigation, including pre-litigation negotiation and settlement matters. Upon graduation from UDM Law, and prior to her admission to the State Bar, Ms. Sawicki fine tuned her legal research and writing skills as a Judicial Clerk to the Honorable Mark A. Randon of the United States Bankruptcy Court, Eastern District of Michigan.<br><br>Ms. Sawicki currently resides in Mount Clemens, Michigan with her wife Katie. When she is not in the courtroom, Ms. Sawicki enjoys renovating their historic home and experiencing new cultures and cuisine through travel.

Chad B. Sponder is an accomplished attorney with over twenty-five years of legal experience, currently serving as Managing Attorney of The Law Office of Chad B. Sponder, In-House Counsel for CURE Auto Insurance's Michigan legal operations. In this capacity, Mr. Sponder oversees litigation strategy, legal compliance, and claims-related legal matters, ensuring alignment with corporate objectives, regulatory standards and judicial requirements.<br><br>Prior to his current role, Mr. Sponder led CURE Auto Insurance's in-house legal office in New Jersey, where he managed a team of attorneys and support staff, and was instrumental in streamlining litigation processes and improving legal outcomes across the region.<br><br>Mr. Sponder earned his Bachelor of Arts from New York University in 1996 and his Juris Doctor from the Benjamin N. Cardozo School of Law in 1999. He brings to his practice a depth of experience in insurance defense, with a primary focus on fraud claims, litigation management and corporate legal strategy.<br><br>Known for his sharp legal acumen, operational insight, and commitment to excellence, Mr. Sponder continues to play a key role in advancing CURE's mission to provide fair and affordable insurance coverage, without consideration of income proxies, through sound legal governance.

Grady L. Toombs, JD is a seasoned attorney and business executive with over two decades of legal and corporate leadership experience. Specializing in litigation management including trial practice, corporate law, healthcare compliance, and contract negotiation, he has held key roles including Senior Attorney, In-House Counsel, and CEO. He has conducted trials in both a first and second chair capacity. Grady has also advised C-suite leaders on regulatory strategy, risk mitigation, and operational compliance across industries ranging from insurance and healthcare to retail and hospitality.<br><br>Grady holds a JD from Michigan State University College of Law and is licensed to practice in Michigan and Florida, including federal courts in the Sixth Circuit. He is a frequent speaker on healthcare law and corporate legal strategy and actively participates in bar associations and industry seminars.