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Banks and creditors look to our commercial finance lawyers to both defend them and enforce their rights in bankruptcy and other state and federal courts, and to advise them when restructuring is the best solution to a problem loan or financial relationship.

Whether the job is to maximize the recovery from an insolvent debtor, negotiate the restructuring of a valued but troubled financial relationship, or defend a client from claims by a debtor, competing creditors, or the government, our commercial finance lawyers bring seasoned talent with insight into the pathways for resolution of these challenging disputes.

We offer a full range of commercial finance legal services, including:

Bankruptcy and Insolvency. Legal representation of secured and unsecured creditors and other interested parties (such as landlords) in all aspects of reorganization and liquidation proceedings, including prosecution of claims, relief from stay, sales of assets, and the prosecution and defense of adversary litigation. Our attorneys have experience in federal bankruptcy court, state court, insurer insolvencies, and state court receiverships.

Loan Workouts and Restructuring. Legal representation of lenders in workouts of distressed real estate and commercial loans. Our attorneys analyze relevant loan and financial documents, consider any permitting and environmental issues, and work with the lender to develop and implement a strategy tailored to the lender’s objectives.

Complex Foreclosure Litigation. Complex foreclosure litigation and related permitting, environmental and condominium law issues. We frequently represent lenders in the enforcement of security interests under the UCC.

Commercial Lending Lawyers. We provide advice and counsel on a broad range of commercial lending transactions.

Regulatory and Compliance Law. We represent regulated financial service providers at the administrative level and in court.

Investigations. Our team includes the recently hired former United States Attorney for Vermont, with extensive experience in criminal and regulatory enforcement investigations.

Recent Victories:

  • When a non-profit company that had contracted for the fit-up of a specialty aircraft was faced with an incomplete project and a contractor without means to complete it, our team devised and executed a plan to enable completion of the project in place, while reducing insolvency risks to the client.
  • When a manufacturing group concluded that it needed to close a unionized paper mill facility it had operated for a long period, without creating any financial risk to the other companies in the group, our team with other specialists from inside and outside Downs Rachlin managed all aspects of the successful shut-down, including labor, environmental, tax, pension and bankruptcy issues, all without collateral damage to the remainder of the group.
  • When an out-of-state railroad’s liability insurer failed while the railroad was still relying on the failed insurer to pay claims, and the reinsurance on these claims was also in jeopardy due to the failed insurer’s conduct, our team helped the client to negotiate a complex multi-party agreement that secured for it the benefits of the insurance to the fullest extent possible.
  • When a financial institution’s safe investment in commercial paper turned out to have been sold to it by a company put into bankruptcy by the SEC because it was operating a Ponzi scheme, our team led the bankruptcy litigation that resulted in recovery of credit insurance by the client, despite competing claims from other parties.
DRM Foundation

Commercial Lending

Development projects faced with legacy environmental pollution challenges turn to our lawyers to navigate legal avenues for commercial, residential and utility-based enterprises.

Commercial Lending
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DRM Foundation

Tax

Our tax attorneys will provide creative and practical solutions to resolve federal, state and local tax issues and to minimize tax liabilities.

Tax Law
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DRM Foundation

Litigation

Should loan workouts or restructuring not be possible, our litigation lawyers are at the ready to defend you in court.

Litigation
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DRM Foundation

White Collar Defense & Government Enforcement

Our white collar defense lawyers will help guide your institution through investigative actions and assess regulatory exposure with swift and defensive tactics.

White Collar Defense & Government Enforcement
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Andre D. Bouffard

Director

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James R. Haug, Jr.

Of Counsel

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Attorney Shannon Lenzini

Shannon Lenzini

Associate

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Patricia C. Komline

Government Relations Manager

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Tracy L. S. Bickford

Paralegal

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Kimberly L. Gilding

Paralegal

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Commercial Finance Industry

DRM HR Café: DOL Changes to the Exempt Salary Threshold

Employers should expect a change soon in the exempt salary threshold for the Fair Labor Standards Act's executive, administrative and professional classification
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Remote Work Accommodations in the Post-COVID Era

Recent federal court cases suggest that employers may be required to grant remote work accommodation requests to more employees.
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DRM HR Café: ADA Compliance

On May 4, 2022, DRM Labor & Employment lawyers John Maitland and Brendan Sage will present on disability accommodations in the workplace.
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Vermont Legislative Update | January 31, 2022

This week, DRM's Vermont Legislative Team covers the Scott Administration's economic development proposal, Act 250 and more.
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