Finance & Creditors’ Rights

Our Finance & Creditors’ Rights Practice Group assists clients in connection with the life-blood of their businesses and of the overall economy: the extension and enforcement of credit. We are involved in all stages of the life of a financial transaction, and represent banks and other lenders in the negotiation, documentation, and collateralization of every type of loan transaction, including:

Commercial and industrial (C&I) lending
Real estate and construction lending
Equipment leasing and financing
Asset based loans
Agricultural loans
SBA, FSA, USDA, and other government-guaranteed loans
New market tax credit
Interest rate swaps
Mezzanine financing
Syndicated loans
Loan participations
Floor plan financing
Municipal and other bond transactions
Residential mortgage lending

When specific loan assets become non-performing or otherwise troubled, we can assist with:

Loan documentation and collateral review
Title, environmental, and other due diligence
Loan modification and restructuring
Workout and orderly liquidations including secured party sales
Judicial enforcement including confession of judgment, mortgage foreclosures, personal property executions, and actions on notes and guarantees
Sale of loans individually or in pools
Lender liability issues
Enforcement of lenders’ rights in bankruptcy including cash collateral orders, plan objections, and relief from the automatic stay
Managing and disposing of REO real estate
Compliance with all regulatory and other legal protections for consumer and other borrowers

In addition to the work we do for lenders, the attorneys in our group represent all of our clients, including businesses, institutions, and individuals, in connection with all aspects of credit transactions including:

Development and implementation of credit policies
Credit applications and agreements
Receivables monitoring and enforcement
Collections
Judgment enforcement
Lease terminations and evictions
Representation of creditors in bankruptcy including enforcement of administrative claims and defense against preferences

We work on transactions throughout Pennsylvania and Maryland and also get involved in multi-state transactions where Pennsylvania or Maryland creditors, borrowers or collateral are involved. No transaction is too simple or too complex for us to handle. Our attorneys have appeared in all state and federal courts in Pennsylvania as well as courts in several other states. We work to maximize the chances that clients will be paid for their products and services, and will be re-paid for money that is loaned.