Bankruptcy: Navigating Financial Bankruptcy Challenges For Individuals And Businesses

We emphasize assisting individuals and businesses experiencing financial distress or having challenges servicing their debt. We are experts in most aspects of bankruptcy, including collectively representing hundreds of debtors in Chapter 7, Chapter 13, and Chapter 11 bankruptcy cases. Through these mechanisms, we provide individuals and businesses with a financial fresh start and a more straightforward path forward.

Merchant Cash Advance Defense: Shielding Your Business With Expert Merchant Cash Advance Defense 

We are one of the few firms in New York (and perhaps the country) with a specialization in representing small and mid-size businesses as well as individual business owners in Merchant Cash Advance defense and settlement matters. In this practice area, we focus on offering strategic solutions to those entangled in merchant cash advances ("MCAs"). 

Merchant Cash Advances are a form of, often predatory, business financing arrangments in which the "cash advance" company purchases receivables from the "seller." Specifically, we help clients restructure these arrangements and settle disputes. When necessary, we aggressively challenge MCA financers in litigation in order to reach successful resolutions. Our unique understanding of the financial and legal aspects of Merchant Cash Advances further enables us to advocate on behalf of our clients and achieve successful results.

Debt Negotiation: Debt Settlement Negotiations With Over a 90% Success Rate

We are adept in Debt Settlement negotiations. These include debt negotiations with many creditor constituencies to achieve resolution. These include addressing claims of private lenders (personal and business loans), credit cards, claims of landlords (both personal and commercial), and guarantor claims. Successful resolutions often include forbearance or restructuring (out of court) arrangements and debt forgiveness. Our "success rate" on these matters is currently better than 90%. This is due to our vast understanding of the "creditor" mindset and the process for achieving resolutions.

Real Estate Loan Workouts: Representing Commercial Real Estate Investors And Developers Experiencing Financial Distress

We are one of a handful of firms with a multi-disciplinary approach to Real Estate Loan Workouts – both pre and post-default. We represent commercial real estate ("CRE") investors and developers experiencing financial distress or revenue downturn. The scale of these clients has ranged from investors with one multi-family property to perhaps the largest developer investor in one of the nation's premier cities with a portfolio north of $1B. We deeply understand the unique, relevant terms of various types of CRE loans (covenants, cross-collateralization, guarantees, debt-service coverage ratios, cure periods, etc.). 

We have a singular approach to this practice area – our legal team collaborates with a Wall Street-trained sophisticated financial modeler. This lets us advise you on the business and financial benefits and drawbacks of many alternative financing arrangements. We then consider a debt restructuring (out of court), refinancing, or equity investment. Assuming a counterparty is amenable, we advise you on everything from the term sheet to closing. The goal is always to enable and maintain ownership and financial viability. In accord with our singular approach, we also act as loan brokers for clients who do not have lenders. Occasionally, as a last resort, we undertake financial restructuring through Chapter 11 cases or facilitate a sale to maximize value.

Business Transaction: Strategic Legal Solutions for All Your Business Transactions

Our commercial finance knowledge is crucial to our General Business Transaction practice. In that vein, we represent businesses from inception through exits (such as sales or mergers). Without limitation, we negotiate and draft operating agreements, shareholder agreements, financing documents, employment agreements, mergers, asset purchase, and stock sale agreements. We act as general counsel and serve as trusted business and legal advisors to small and medium-sized companies.

Real Estate Law: Exploring The Complexities Of Real Estate Transactions & Commercial Leasing

J. Singer Law Group, PLLC is adept at handling every aspect of the real estate process, from initial consultation to finalizing deals. Whether you're engaging in residential purchases, commercial leasing, or property development, we provide strategic advice and support to facilitate your success. Our proactive approach aims to anticipate potential issues and address them before they become obstacles, making your real estate journey as seamless as possible. Dive into our services to see how we can assist you in achieving your real estate objectives.