EmergeLaw

At EmergeLaw, PLC, we understand the importance of navigating complex financial situations for small and middle market businesses. Our team of experienced attorneys specializes in loan workouts, Chapter 11 reorganizations, Subchapter V restructurings, and other proceedings to help businesses deleverage and reposition for future success. We represent entrepreneurs, family businesses, private equity funded companies, and real estate investors, providing them with the tools and expertise needed to maximize value in their respective situations.

Loan Workouts

When we negotiate with banks and other creditors on a client's behalf, it is with the company's overarching business goals, concerns, and priorities in mind. The aim of these negotiations, or workouts, is to reduce debt or extend payment terms so the company can service its obligations going forward. This process is designed to get a company the relief it needs without resorting to the more complex, formal, and expensive Chapter 11 process.

Subchapter V Restructurings

The Small Business Reorganization Act (SBRA) created a new streamlined version of Chapter 11 called Subchapter V for companies and individuals engaged in business with debts of less than $7.5 million. This federal program offers smaller enterprises the opportunity to right-size debt owed to banks, the SBA, trade creditors, and others, while protecting existing operations and management. Our attorneys can guide clients through this process, ensuring they receive the best possible outcome.

Chapter 11 Reorganizations

Chapter 11 is a powerful restructuring tool available to companies of all sizes. It can provide extraordinary relief in terms of reducing debt and increasing cash flow. However, the costs and burdens have traditionally been prohibitive for smaller businesses. Our team can assist clients in navigating the complexities of Chapter 11, ensuring they can emerge from the process stronger and more resilient.