GERMER LLC provides a variety of legal services for banks, credit unions, and other financial institutions, including services in litigation, transactions, securities, and regulatory matters. The firm assists financial institutions with drafting loan documents, debt collection, creditors’ rights, state and federal regulations, mergers and acquisitions, corporate sales and purchases, corporate restructuring, commercial and residential loan closings, buy-sell and shareholder agreements, intellectual property issues, and litigation in state and federal courts. The firm’s attorneys are also experienced in representing financial institutions in diverse litigation matters, including matters of breach of contract, bad faith, fraud, negligence, alleged statutory and regulatory violations, and wrongful foreclosures. The firm’s attorneys regularly represent financial institutions in both commercial and consumer debt collections and also in bankruptcy proceedings. Additionally, the attorneys of GERMER are experienced in representing financial institutions in connection with commercial and residential evictions, foreclosures, filing and enforcing liens, and bond claims. Financial institutions also seek the firm’s services for asset and stock acquisitions, private equity investments, real estate acquisitions and developments, construction loans, trade finance, asset-based lending (including equipment, inventory and receivables financing), and general working capital finance matters.
GERMER’s attorneys also counsel clients on all aspects of consumer finance regulations, including regulations on deposits, residential mortgages, online banking, credit card and related service providers and processors, federal preemption questions, fair lending and truth-in-lending matters, and auto financing and leasing. They often assist clients in assessing their responsibilities under the Equal Credit Opportunity Act, the Truth-in-Lending Act, the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and other federal and state laws and regulations, and are frequently asked to draft policies and procedures to assist financial institutions in protecting sensitive information.