Lending and Finance - Kotz, Sangster, Wysocki and Berg, P.C.

Loan Origination: Structuring of loan commitments and resulting loans; negotiation and drafting of loan documents, whether routine or complex and unique; special expertise in construction lending

Loan Review: Analysis of existing loan documentation to assure collateral perfection and priority, guarantor recourse; creative problem solving before default

Workout,Foreclosure and Commercial Collection: Structuring and documentation of Forbearance Agreements; mortgage and Article 9 foreclosures; claim and delivery actions to obtain possession of collateral; enforcement of guarantor liability; insurance proceeds contests.

Bankruptcy: Especially Chapter 11 machinations (cash collateral, adequate protection, relief from automatic stay, competing plans); inter-creditor/priority disputes.

Lender Liability Counsel and Defense: Advice and counsel to avoid liability claims of borrowers and prospective borrowers; defense of same.

Bank Acquisitions (and Dispositions): Accounts (including loan and/or mortgage portfolios), branches, whole (or partial) bank mergers and acquisitions; real estate acquisitions; divestitures of all of the same.

General Banking Litigation: Negotiable instrument claims (forged checks, joint payees, notice of dishonor claims and the like); construction lien claims; letter of credit litigation.

Trust Administration and Fiduciary Liability Claims

Personnel Policies, Practices and Procedures: Special emphasis on proactive conflict avoidance, internal audit, defalcation avoidance, detection, correction and recovery