Financial Services & Restructuring

We are recognized leaders in banking and financial services. The members of our team have established themselves as pre-eminent counsel in their respective areas of expertise including acquisitions, agri-business, banking, bankruptcy and insolvency, collections, corporate and small business law, enviromental, estates, financing, film financing,foreclosures, intellectual property, litigation, loan work-outs and restructuring. Our standard of excellence is recognized not only by our clients but our peers. Consistently sought out as experts, our team members are published authors and lecturers on financial services matters to the legal profession and the entire financial services community.

Established counsel to numerous financial institutions, we are equally proud to represent the interests of business and individual borrowers.

We understand business and banking. We are experienced not only in providing practical legal advice but creative solutions as well.

We are sensitive to the fact that in critical situations, response time is critical. Our team has the expertise and resources necessary to provide the best solution to your situation when you need it.

Loan Structuring

The combination of our experience in financing transactions, everyday business advice to lenders and realization on loans allows us to provide sound advice to both lenders and borrowers when commitment letters are being negotiated.

By seeking advice from us before a commitment is made, our clients obtain with feedback on the structure of a transaction to ensure that proper security is considered.

Our standardized approach to securing loans also ensures that all relevant and appropriate searches are done, that the parties are alerted to potential problems and that the security is put in place and problems dealt with in timely manner. We understand that proper security and work done in timely manner is what lenders and borrowers expect.

Arrangements, Work-Outs and Proposals

We recognize that bankruptcy or receivership is often not the best solution to a financial crisis. There are viable and creative alternatives which can be utilized to maximize creditors' returns while enabling a viable business the opportunity to restructure and continue operations on a more sound foundation.

Our team has the skills and knowledge necessary to assist creditors and debtors to bring about a practical resolution to what might first appear to be an impossible situation - whether informally or through the various statutory regimes currently available such the Bankruptcy and Insolvency Act, Companies Creditors Arrangement Act, Farm Debt Mediation Act and related legislation.

Insolvency Restructuring and Realization

Unfortunately there are situations that cannot be resolved by a mutually acceptable arrangement. Whether the business has deteriorated to the point where it has no chance of viability or there has simply become a complete loss of trust between the major parties, realization may be the only solution.

We have acted for stakeholders in virtually every conceivable realization. Whether it be the wind-up of a financial institution, receivership of a large business, consumer bankruptcies, residential or commercial mortgage sales and foreclosures or foreclosures affecting the family farm, the members of our team have the experience and expertise to guide you through to the best solution available.