Practice/Industry Group Overview
Throughout the firm's history, GrayRobinson attorneys have served as counsel for a number of banks, commercial lenders and financial institutions, broker-dealers, pension funds and insurance companies. We have developed vast experience in lending issues, including commercial financing, consumer credit, banking and commercial litigation and creditors' bankruptcy.
Our banking relationships are a vital element of our success. Our goal is to deliver the highest level of client service. We are deal makers, not deal breakers. We read the fine print but also keep an eye on the big picture to provide the quickest turnaround possible. We understand the need for responsiveness. We are available at all times and will work around the clock to help achieve our client's success.
Banking and Commercial Litigation: GrayRobinson attorneys represent our lending clients in all manner of commercial litigation, including banking software litigation, collections, mortgage and securities agreements, foreclosures, lender liability, title insurance claims defense and prosecution of fraud, forgery, and other matters involving deposit accounts, letters of credit, wire transfers that are governed by the Uniform Commercial Code, and litigation and defense of defamation suits involving both federal and state fair debt collection acts and collection reporting acts. We offer an experienced and tenacious trial team with an impressive record of resolving cases to our clients' satisfaction.
Today's monetary world has moved away from the exchange of coins and paper money to a fast swap of a credit card. The credit process has allowed consumers to finance their transactions without having to pay little out of pocket cost at the direct time of transaction. This process has created much need for legal counsel that understands the federal and state laws governing consumer finance.
Consumer Lending and Regulatory Review and Monitoring: GrayRobinson's financial services attorneys represent and defend banks and financial institutions in regard to consumer claims alleging violations of state and federal statutory consumer lending, collection, and credit reporting matters, such as consumer claims involving the Florida Consumer Collection Practices Act, the Florida Fair Credit Reporting Act, the Florida Deceptive and Unfair Trade Practices Act, the federal Consumer Credit Protection Act, the federal Fair Debt Collection Practices Act, the federal Fair Credit Reporting Act and the federal Equal Credit Opportunity Act.
Our attorneys are at the forefront of regulatory review and monitoring, to ensure our clients with respect to compliance with federal and state laws and Bank Regulation CC compliance, as well as the U.S. Patriot Act and Sarbanes Oxley compliance, and other issues that affect the credit industry.
Sophisticated Collection Activities: Sometimes, obtaining a "money judgment" is the easiest part of litigation for a creditor. Our team has collected millions, upon millions of dollars using Florida's full range of collection remedies. In particular, we have experience in successfully utilizing Florida's enactment of the Uniform Fraudulent Transfer Act in state, federal, and bankruptcy courts.
Corporate and Real Estate Finance: We handle all types of commercial and residential real estate transactions in addition to representing companies seeking start-up or expansion financing. We work closely with banks and similar financial institutions, venture capitalists, securities underwriters and private sources.
In addition to performing legal services on behalf of our lending clients, we actively seek opportunities to refer our developer, landowner and corporate clients to appropriate sources of funding.
Lender Liability: We have successfully defended financial institutions and other businesses from lender liability litigation, including class action litigation, usury claims, and "truth in lending" claims, in both state and federal courts. Our team has also successfully prosecuted multi-million dollar usury and other lender liability claims. These experiences enable us to better represent both lenders and borrowers, not only in the courtroom but also in the boardroom while analyzing legal rights and business options.
Creditors' Bankruptcy Litigation: Bankruptcy is not only an area of specialization within the practice of law: bankruptcy is also a forum uniquely suited to resolve many complex business disputes in a fast, efficient, and fair manner. Disputes pertaining to corporate governance, misappropriation of business assets, landlord-tenant disputes, insurance coverage, and other forms of sophisticated litigation can often be resolved most rapidly in bankruptcy court. While our litigators are experienced in all courts in the State of Florida, we have litigated complex disputes in every Florida division of the United States Bankruptcy Court, as well as many bankruptcy courts throughout the country.
We have experience representing creditors in bankruptcy issues including business workouts, Chapter 11 reorganizations, Chapter 13, commercial collections, insolvency and loan workouts. We are experienced in representing clients in every one of Florida's state and federal courts. One of our practices is devoted to representing credit card issuers in bankruptcy matters including non-dischargeability proceedings, relief from stay proceedings and objections to confirmation in Chapter 13 cases.
Debt Restructure: Insolvency contexts often require loan modification transactions to be completed on an expedited basis in order to maximize the lender client's ability to expand the available pool of collateral, and to avoid the consequences of certain bankruptcy law that sometimes retroactively "undo" workouts. Our team appreciates the need for prompt, skillful service when a borrower is at the point of insolvency.
Loan Enforcement and Workouts: Our philosophy is to get results for lenders throughout Florida. GrayRobinson attorneys have designed reorganization plans, coordinated workouts and loan restructurings, represented and worked with creditors' committees and trustees and handled bankruptcy appeals. Our firm has represented many of our client financial institutions for more than thirty years, as well private investors and property owners that seek guidance on how to resolve a financial relationship.
Environmental Issues: The environment continues to play an increasing important role in commercial real estate transactions. We offer our clients proven ability and experience in dealing with local, state and federal environmental rules and regulations.
We have successfully cleared the way for clients' real estate projects, which had been languishing for years because of environmental concerns, to proceed and we have served as Central Florida environmental counsel to a major bank.