5410 Trinity Road, Suite 210, Raleigh, NC 27607

North Carolina Banking Attorneys Assist with Commercial Loan Workouts

Experienced lender advocates find creative solutions for troubled debt

While residential real estate slowly recovers from the subprime mortgage crisis that began in 2008, commercial real estate faces deeply concerning challenges due to falling property values and a sluggish recovery. In this climate, where mismanagement of troubled commercial loans could easily jeopardize a lender’s stability, it is vital to have highly skilled and knowledgeable legal counsel. Since 1983, Howard Stallings has represented community, state and national banks in negotiations to restructure commercial loans and mortgages. We take a team approach, partnering with lenders to pursue goals that leave their institutions stronger than when they came to us. We perform every task necessary to negotiate a favorable loan workout that protects our clients’ interests, including:

  • Counterclaims defense
  • Default mitigation
  • Financial review
  • Loan document review
  • Short sales negotiation and property purchaser location
  • Note acquisitions
  • Preparation of lender proposals
  • Property analyses
  • Hardship letter review
  • Guaranty obligations resolution
  • Solicitation of broker opinions of value

Experienced litigation attorneys negotiate creative solutions

Our skilled real estate litigation attorneys find creative solutions that facilitate loan modifications by making a thorough analysis of a borrower company’s weaknesses and detailing the steps necessary to regain fiscal health. These steps might involve forming partnerships capable of providing a cash infusion for capital improvements, making changes in management structure or personnel, or restructuring the business entity. We conscientiously strive to ensure that every deal point enhances the value of the contract for our client.

Highly competent management of high-net-worth commercial loan workouts

The attorneys at Howard Stallings manage workouts for commercial mortgages and for development and construction loans for various types of property, including:

  • Corporate headquarters and office parks
  • Residential subdivisions
  • Commercial real estate
  • Hotels and resorts
  • Industrial and warehouse facilities
  • Mixed-use projects
  • Public-private joint ventures
  • Shopping malls

Contact our banking lawyers for loan workout assistance in Raleigh, New Bern or Morehead City, NC

Howard Stallings helps financial institutions throughout North Carolina with commercial loan and mortgage workouts. To speak with a highly competent banking attorney serving Raleigh, New Bern and Morehead City, call 919-821-7700 or contact us online. Free parking is available at our offices.


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