Debt Settlement Made Simple
Small and mid-size businesses need capital to buy inventory, sustain operations, to hire, to make payroll … to grow. When the tide turns against them they often turn to private business lenders and borrow money. Sometimes businesses who borrow run into hard times. Things change. Sometimes they borrow more, and more, and more. When legitimate hardships come and debt becomes a burden, businesses turn to a third-party… someone to intervene between them and their lender(s). They turn to a business debt settlement company like Corporate Client Services (“CCS”).
CCS studies the business’s situation, builds a hardship narrative and opens a new line of communication – standing between debtors and creditor. Most lenders listen and work out a payment plan or lump sum settlement attractive to both the business and the creditor. Some will not. CCS is an effective advocate for businesses that need both an intelligent buffer between them and their creditor(s). Based on its experience settling thousands of business debt CCS comes up with effective solution for overwhelming or delinquent debt, a return to a profitable financial status, and to potentially avoid bankruptcy.
When dealing with creditors while in partial or total default of repayment terms, there is always the risk that the creditor will “lawyer up” to negotiate a settlement or bring a lawsuit. All CCS clients are fully informed of that risk and are encouraged to become a Member of the Frontline Legal Service (“FLS”). The cost to enroll in the FLS Business Debt Legal Plan is far less when compared to the normal hourly rates charged by experienced business law / transaction attorneys.
FEATURES / BENEFITS OF MEMBERSHIP
The phrase “Legal Action” includes any of the following:
- a Creditor, based on a UCC Filing, either asserts it has the right to “lock down” or “freeze” a business’s bank account(s) or does so (“Lien/Lock Down”),
- a Creditor, based on a UCC Filing, sends notices to third parties that owe the business money demanding that the third party pay what it owes the business to the Creditor (“Remittance Demand”),
- a Creditor asserts that is entitled to force the business to participate in an arbitration proceeding (“Arbitration”),
- a Creditor seeks to obtain a Judgment against the business regarding a debt (or has obtained a Judgment in regard to a debt) by reference to “Confession of Judgment” or similar terms/language in the transaction documents creating the Listed Debt (“COJ”), or
- a Creditor files suit against the business (“Litigation”).
In the event a Creditor takes Legal Action against an FLS Member, all the following will apply:
In the event a Creditor engages in Lien/Lock Down, FLS will provide the FLS Member with a local, licensed attorney and pay 100% of that attorney’s fees. The attorney will file/send any appropriated written communications to thwart future Creditor activity or reverse same including filing “Release of Lien” demand letters.
REMITTANCE DEMAND SUPPORT:
If an FLS Member’s Creditor sends a Remittance Demand to a third party demanding that the third party pay what it owes to the Member to the Creditor, FLS will respond vigorously using the law of the state in which the suit is brought, any defects in transaction documents, and any defects in the UCC filing to challenge every Remittance Demand.
In the event a Creditor asserts its right to force an FLS Member to participate in an arbitration proceeding to collect a Debt, FLS will provide the FLS Member with a local, licensed attorney and pay 100% of that attorney’s fees, and pay 100% of the Arbitrator’s fee and the Member’s share of the cost of Arbitration.
In the event an FLS Member’s Creditor seeks to obtain a Judgment (or has obtained a Judgment) by Confession against the FLS Member by using “Confession of Judgment” or similar terms/language in the transaction documents, FLS will provide the FLS Member with an attorney, pay 100% of that attorney’s fees, and pay 100% of the Court costs and filing fees. NOTE: Non-Court costs (for example, paying a Court Reporter to attend a deposition held by the Member’s attorney to advance the Member’s interests) are the Member’s responsibility.
In the event a Creditor sues the FLS Member to collect a debt, FLS will provide the FLS Member with a local, licensed attorney and pay 100% of that attorney’s fees, and pay 100% of the Court costs and filing fees. NOTE: Non-Court costs (for example, paying a Court Reporter to attend a deposition held by you’re the Member’s attorney to defend the Member’s interests) are the Member’s responsibility.
If an FLS Member’s Creditor takes any legal action against the FLS Member, CCS will continue to try to negotiate a settlement. If the Creditor who takes legal action against the FLS Member (or that Creditor’s legal counsel) refuses to negotiate with CCS, CCS will notify FLS and FLS will notify the FLS Attorney handling the Member’s matter directing the FLS attorney to attempt to negotiate a settlement of that debt. FLS will pay 100% of the FLS Member’s attorney’s fees for providing Negotiation Support.
MISCELLANEOUS CREDITOR RELATED LEGAL NEEDS AND SERVICES
While a business is an Active FLS Plan Member it may need legal advice or legal service related to a Debt which advice or service is outside the scope of LIEN/LOCK DOWN SUPPORT, REMITTANCE DEMAND SUPPORT, ARBITRATION SUPPORT, COJ SUPPORT, LITIGATION SUPPORT or NEGOTIATION SUPPORT (“Miscellaneous Creditor Related Legal Need”). An example of a Miscellaneous Creditor Related Legal Need follows. Suppose an Active Plan Member’s Creditor with whom the Member has entered into a Settlement Agreement were to engage in conduct both implicitly or explicitly contrary to the terms of the Settlement Agreement and averse to the FLS Member’s interests. If that were to occur, the Member should immediately contact FLS. FLS will alert the appropriate FLS Attorney who will contact the Member and provide such legal advice and/or take whatever legal action he or she believes to be in Member’s best interest and which the Member approves and authorizes. The FLS Attorney will bill FLS and FLS will pay his or her legal fees. In the case of a Miscellaneous Creditor Related Legal Need, Court costs, filing fees and third-party costs (for example, paying a Court Reporter attending a deposition taken by the Member’s FLS Attorney to further the Member’s interests) will be the Member’s responsibility. This Plan Feature does not pertain to general business legal needs like the drafting of an Employment Agreement or a form contract for your use. This Plan Feature is limited to actions taken by a Member’sCreditor that are averse to the Member’s interests and don’t fall within LIEN/LOCK DOWN, REMITANCE DEMAND, ARBITRATION, COJ, LITIGATION or NEGOTIATION SUPPORT.
Who We Are
Bert R. Oliver, Esq.
Co-Founder and Chairman
Mr. Oliver obtained his undergraduate Bachelor of Science degree from Pennsylvania State University, and is an Ivy League graduate from the prestigious Columbia Law School, widely regarded as one of the best law schools in the United States and the world. Mr. Oliver spent part of his career with a top Park Avenue law firm in New York, and continued his career as a Partner with what is now the largest law firm in the State of Florida.
He is presently admitted to practice law in both Florida and New York.
Mr. Oliver’s perspective is not confined to the law firm environment. He has also utilized his talents to assist businesses of varying sizes in various contexts, and offered guidance and assistance to entrepreneurs. He has served as the Chief Operating Officer of a publishing company, and founded an internet business solution provider, where he served as the Senior Vice President of Strategic Alliances and also as a Director.
He is an active member of the community, having served on the Board of Directors for a technology incubator management corporation at Florida Atlantic University, and on the Advisory Board of the Global Technology Exchange.
Co-Founder and President
Dan has over 25 year of experience in managing and developing small to mid- size businesses.
He has a deep Financial Industry background and bring a deep knowledge of the credit and collection policies.He has held Senior management positions at large financial Institutions.
Dan’s main concentration has always been technology and its impact on improving all aspects of operations with a focus on Client Services and enterprise growth.
He is also Chief Operation Officer of The Oliver Law Group, P.A., which specializes in providing back office support services to debt relief providers.
Dan is a proud father of three and enjoys boating, golf and traveling.
Kenneth Ebner, Esq
Sr. Vice President/Corporate Counsel
Mr. Ebner graduated first in the School of Economics from Monmouth University. While at Monmouth he was a member of the men’s Division I Basketball team and a U.S. Army R.O.T.C. Scholarship recipient.
Subsequently, Mr. Ebner served with distinction in the U.S. Army as a Task Force Engineer Officer with the 2nd Armored Division, receiving the Bronze Star Medal for meritorious service while engaged in direct combat operations against the enemy during the Persian Gulf War.
After his Army service Mr. Ebner obtained his law degree from Widener University School of Law. While in law school he was a member of the Moot Court Honor Society and Phi Delta Phi Honor Society, whose membership is reserved for those in the top third of their law school class.
Mr. Ebner is a highly skilled litigator with over 25 years of experience in local, state, and federal trial and appellate courts. He is knowledgeable in a variety of legal matters with an emphasis in the areas of consumer financial services and regulatory compliance, consumer protection; creditors’ rights and remedies; insurance defense and coverage; and general civil litigation. Mr. Ebner is admitted to the state and federal courts of New Jersey and Pennsylvania and is a Certified Arbitrator by the Pennsylvania Supreme Court.
Mr. Ebner also serves as General Counsel for a New Jersey non-profit youth sports organization providing counsel in the areas of corporate law and governance, general liability, employment, tax, and directors’ and officers’ liability.
LEARN MORE ABOUT THE FEATURES AND BENEFITS OF MEMBERSHIP
1166 W. Newport Center Drive
Deerfield Beach, Florida 33442