Carlsmith Ball LLP

Bankruptcy/Restructuring Department

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The Creditors' Rights, Bankruptcy, Foreclosure, and Loan Workouts Section provides legal services to national, state-chartered and local financial institutions in California, Hawaii, and Guam. The Section regularly represents creditors in enforcing claims and recovering collateral. We also assist clients in workouts and restructurings of troubled loans, including on all tax aspects of these transactions. We provide guidance in the areas of commercial lending, security interests, and the Uniform Commercial Code, and advise on usury and financial services loan regulations.  We also provide counsel on consumer credit issues.

Some of the areas where we provide counsel and representation include the following:

  • Creditors' Rights
  • Enforcement of promissory notes, liens, guaranties, and other financial instruments
  • Foreclosures on all types of commercial property and residential property
  • Advice, negotiation and documentation work in connection with loan workouts and restructurings
  • Bankruptcy
  • Representation of secured and unsecured creditors on various bankruptcy matters, including adversary proceedings
  • Representation of Chapter 11 Trustee in major bankruptcy case
  • Negotiation of asset sales in bankruptcy proceedings


Roesser, Tom E (Head of Department)

Harstad, William M.

Okinaga, Lawrence S.

Wong, David W. K.


National and State-Chartered Financial Institutions