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Banking & Lending

Rinke Noonan’s banking and commercial lending attorneys have extensive experience in the banking industry, preparing and drafting loan documents, collections, replevin/foreclosures, and work-out or restructuring negotiations. Also, our attorneys handle enforcement actions quickly, efficiently and professionally. We know the intricacies of commercial lending including deed-back agreements, escrow agreements and farm mediation.

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Attorneys

Key Concepts

Banking and Lending Key Concepts

Loan Documentation

Our attorneys regularly draft loan commitments, loan agreements, and security documents for large and small extensions of credit which, because of risk or other factors, require carefully drafted “customized” documents.

Commercial lending cases involve a broad spectrum of the law, including the Uniform Commercial Code and the United States Bankruptcy Code. We combine knowledge, experience and a systematic approach to give the best service to our clients.

Commercial Lending

Rinke Noonan’s commercial lending attorneys have extensive experience in preparing and drafting loan documents, collections, replevin/foreclosures, and restructuring negotiations. We know the intricacies of commercial lending including deed-back agreements, escrow agreements and farm mediation.

Bankruptcy

Whether for individual (Chapter 7), businesses (Chapter 11), farmers (Chapter 12), or individuals and businesses (Chapter 13), our attorneys work with lenders to ensure that your claims and interests are fully protected. Our attorneys are experienced in bankruptcy court and are familiar with the procedures to produce the best result for the client. We frequently assist lenders with contested matters/adversary proceedings, involuntary proceedings, stay relief, proofs of claim, and preference actions.

Creditors Remedies

Rinke Noonan’s creditors remedies attorneys have extensive experience in collections, collateral repossessions, mortgage foreclosures and work-out or restructuring agreements. Our attorneys handle enforcement actions quickly, efficiently and professionally. Our group specializes in collections, bankruptcy litigation, replevin/repossession, article 9/secured transactions and litigation, mechanic’s liens and construction collections, real estate foreclosures, security and credit agreements, and FDCPA defense and compliance.

Collections

We handle collections with efficiency, speed, and persistence combined with experience in locating assets and defeating fraudulent conveyances. Utilizing multiple collection tools including bank levy or garnishment, wage levy or garnishment, sheriff execution and sales, judicial foreclosures, post -judgment discovery, depositions, and fraudulent transfer actions, our attorneys use all remedies available for collection. Our collection attorneys understand the difference in collection cases versus a typical lawsuit and proceed with a singular focus of collecting the full amount owed. From initiating a lawsuit through seizing personal property of the debtor to pay a judgment, our attorneys are experienced in collecting and aggressively pursue every dollar that is owed to you.

Bankruptcy Litigation

Our attorneys are experienced and efficient in representing creditors in all bankruptcy proceeding including adversary proceedings contesting a discharge, adversary proceedings excepting from discharge a debt owed to a creditor, motions to lift the automatic stay, filing proofs of claim, debtor exams, attending meeting of creditors, and assisting with asset location. Additionally, we frequently defend preferential payment or transfer actions.

Whether for individual (Chapter 7), businesses (Chapter 11), farmers (Chapter 12), or individuals and businesses (Chapter 13), we work to keep the case moving and to make certain that our clients’ claims are treated fairly and its interests are fully protected. Our attorneys are experienced in bankruptcy court and are familiar with the procedures to produce the best result for the client.

Replevin/Personal Property Foreclosure

Using all remedies available under statutory, UCC, and common law we aggressively pursue the recovery of collateral for creditors with lien or possession rights. Firm employs both replevin and repossession techniques for collateral collection and is experienced working with the sheriff or repossession agents to recover your collateral.

Our attorneys are experienced in foreclosing commercial and residential real estate. We will assist you in your decision of whether to foreclose by advertisement or action. Following foreclosure, we aggressively pursue debtors and guarantors for the deficiency balance, and assist clients purchasing property at the foreclosure sale. We have experience placing and pursuing liens on property, and combining real estate foreclosures with replevin actions to protect all the collateral in a single action.

Article 9/Secured Transactions

Our attorneys are experienced in all aspects of security/collateral interests under article 9 of the uniform commercial code. We assist clients in preparing the proper security agreements, filling financing statements to properly perfect and protect security interests, and recovering the asset and any deficiency judgment available.

Mechanic’s Lien and Construction Collections

Our attorneys have significant experience in all aspects of mechanic’s liens, bond claims, and collections relating to the construction industry. Whether trying to obtain payment for material sold or suing a contractor for theft based upon its failure to pay suppliers or sub-contractors, our construction collection attorneys are able to help any construction company, supplier, or sub-contractor collect what it is owed.

Credit Agreements

Our attorneys will provide you with a custom credit and security agreement to help ensure you are paid for your work and sales.

FDCPA Compliance and Defense

Firm provides preventative maintenance advice for collection agents, law firms, and creditors subject to the FDCPA. Additionally, Firm aggressively defends collection companies, a law firm or a wrongfully named creditor in any FDCPA or related lawsuit. We handle all types of FDCPA related issues, from the proper way to frame a letter to defending FDCPA class action lawsuits against your company.

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