Previously known as the Troubled Debt Restructuring (TDR) process, there have been significant recent changes in the classification and options for addressing borrowers facing a position of defaulting on their loan obligations.

Regulatory guidelines of the FDIC, Federal Reserve, OCC, and NCUA are very complicated.  So are a lending institution’s organizational framework and lending profile.  They play a significant role in determining what options are available for restructuring debt, and we map out both for every client.

Unlike CMBS, CLO, and other non-recourse loans, personal guarantees of varying degree and commitment will challenge negotiations. 

Given what can be on the table, we take great care as intermediaries and spokesmen to positively shepherd the communication process, thus preventing further deterioration of what are often emotional situations.

We provide value by constructing a solution that satisfies the lender’s needs and obligations, while rescuing the collateral asset and enabling the borrower.