What we handle

The loan has defaulted, or is about to. The lender's letter cites the default rate, the acceleration clause and the guaranty. This is the moment the borrower's options are widest and most often wasted.

We begin with the documents and the numbers: the note, the mortgage, the guaranties, the rent roll, the operating history and the collateral's actual value. From there we develop a workout proposal grounded in what the property can support, and we negotiate it with the loan officer, the special servicer or the note buyer on the other side.

When a consensual workout is not available, we evaluate Chapter 11 alongside the alternatives. It is one tool among several, and whether it serves a particular property depends on the loan, the collateral and the posture of the case. Where it is the right tool, we help counsel structure the filing, prepare the schedules and budgets the court will demand, and serve as chief restructuring officer or plan administrator so that a creditor cannot argue the debtor is unmanaged. We have also worked the other side of the table, analyzing and opposing debtor plans on behalf of secured creditors.

• Representative work
• Loan workouts, forbearance agreements and reinstatements
• Loan modifications and discounted payoffs
• Note purchases and lender substitutions
• Chapter 11 strategy, plan formulation and confirmation support
• Chief restructuring officer and interim management appointments
• Cash-collateral and operating budgets for court
• Creditor-side plan analysis and opposition
• Orderly wind-downs of operating businesses and portfolios

Amerevision repositions and operates real estate for clients whose assets are over-leveraged, under-managed or tied up in litigation. The same experience that lets us negotiate a workout lets us value a distressed asset accurately, and the same operating capability that stabilizes a debtor's property lets us carry a business plan through to a refinance or a sale.

We manage construction and renovation directly, including large-scale repair and restoration programs, and we oversee day-to-day operations where a receiver, a lender or a court needs a property run competently during a dispute. In Florida the practice extends to commercial buildings, hotels and other development projects.

• Representative work
• Repositioning, lease-up and asset management
• Commercial, hotel and development projects in Florida
• Construction and project management, including insurance and disaster-related restoration
• Property operations support for receivers and lenders
• Financing and recapitalization packages prepared for lenders and investors

A foreclosure judgment is, in the end, a number. So is a deficiency claim, a partnership buyout and a damages award. Our forensic work exists to establish that number, and to give the attorney presenting it a witness who can defend every line.

We reconstruct loan histories from the original closing forward, test the charges against the loan documents and applicable law, and trace funds through partnerships and operating companies where ownership or distributions are disputed. We prepare the analysis in a form counsel can use at mediation, at summary judgment and at trial, and we consult on the financial strategy of the case as a whole.

• Representative work
• Loan-history reconstruction and payoff audits
• Default-interest, fee and escrow analysis
• Damages, lost-profit and business-valuation analysis
• Partnership and business-dispute analysis
• Expert consultation and testimony support
• Document organization and exhibit preparation for trial

Amerevision is not a law firm and does not give legal advice. We are retained by, and work alongside, the client's attorneys.

Some disputes are worth pursuing and cannot be afforded. For property owners and businesses with a strong claim or defense arising from real estate, Amerevision funds the legal fees and costs of the case in exchange for an agreed share of the recovery or the savings achieved. The funding is non-recourse: repayment comes from the outcome, not from the client.

We work with the client's attorney throughout, and we stay involved, contributing the same forensic and restructuring analysis we bring to our advisory work, because a funder who understands the property is worth more to the case than one who only writes the check.

• Representative matters
• Mortgage and foreclosure defense
• Guaranty and deficiency litigation
• Partnership and business disputes over property
• Disputes arising in the course of a workout or a bankruptcy

Amerevision is not a law firm and does not give legal advice. Funding decisions are made with, and funded matters are conducted by, the client's attorneys.