Creditors’ Rights, Collections & Recovery

Businesses and financial institutions need experienced legal counsel when customers, borrowers, or other parties fail to meet their financial obligations. O’Connell and Aronowitz represents lenders, banks, credit unions, healthcare providers, educational institutions, businesses, and other organizations in a broad range of creditors’ rights and collections matters throughout New York.

Our team works with clients to recover outstanding debts, protect secured interests, enforce judgments, and resolve disputes involving creditors’ rights. Whether a matter can be resolved through negotiation or requires litigation, we focus on achieving efficient, cost-effective results while protecting our clients’ business interests.

Our services include:

• Commercial and consumer collections
• Creditors’ rights litigation
• Asset recovery
• Judgment enforcement
• Wage garnishments
• Property executions
• Lien enforcement
• Foreclosure actions
• Uniform Commercial Code (UCC) sales
• Financial workouts and forbearance agreements
• Structured settlements

When a debtor files for bankruptcy, creditors need experienced counsel to protect their interests. We represent secured and unsecured creditors in business bankruptcy proceedings, helping clients prepare and defend proofs of claim, evaluate proposed reorganization plans, respond to preference and fraudulent transfer actions, and protect their rights throughout the bankruptcy process.

Our attorneys understand the federal and state laws governing debt collection practices, including the Fair Debt Collection Practices Act (FDCPA), and handle every matter with professionalism, integrity, and close attention to applicable regulatory requirements.

Creditors’ rights matters often involve issues that extend beyond collections. When appropriate, we work closely with attorneys throughout the firm to provide coordinated legal counsel across related business and commercial matters.

Whether you are seeking to recover an outstanding debt, enforce your rights as a secured creditor, or protect your interests in a business insolvency matter, our team is prepared to help.