Ms. Brown is the founding member of Brown & Associates, PLLC. Her practice focuses on representing financial institutions, commercial lenders and other secured and unsecured creditors in workouts and restructurings, commercial real estate transactions, commercial lending, complex finance, development, acquisitions, sales and disposition of collateral, leasing, corporate structuring and joint ventures and commercial litigation. In addition to workouts, loan restructuring, foreclosures and personal property liquidations, her experience extends to chapter 7, 11, 12 and 13 bankruptcy matters, including cash collateral and stay relief proceedings, confirmation litigation and the defense of preference and fraudulent conveyance actions.
She draws from ten years of experience in representing lenders in structuring, documenting, negotiating, securing and closing all types of commercial and consumer transactions, including complex commercial real estate and construction loans, mezzanine and subordinated loans, distressed assets (both notes and REO properties), asset based lines of credit, investment property backed financing and letter of credit financing to provide the highest quality of legal service and innovative solutions.
Ms. Brown understands relationships are critical. As such, she has implemented a full-service approach to the real estate needs of her banking clients to help them chart a successful course to achieve their business objectives in a complex regulatory environment by providing the client with a consistent, uniform approach of high quality legal services, constant and effective communication and timely responsiveness. She believes our clients must trust us implicitly, and continually strives to earn that trust and surpass our clients’ expectations every step of the way.
•Represent lenders in construction loans involving hotels, shopping centers and other commercial properties, including multifamily properties;
•Extensive experience representing lenders in the origination, sale and participation of mortgage and mezzanine loans;
•Many years of experience representing lenders in the workout of a non-recourse loan secured by several multi-family properties, including the negotiation and consummation of (i) a deed-in-lieu of foreclosure agreement with the obligors; (ii) the acquisition of the properties by a third party purchaser via deed-in-lieu of foreclosure; and (iii) re-financing by the lender for such third party purchaser's acquisition of the shopping mall;
•Represent regional and community banks in the restructuring and workout of defaulted commercial loans;
•Represent regional and community banks with various construction, acquisition and development loans;
•Represented secured lender in chapter 11 proceeding to recover millions secured by properties located throughout Southeastern United States;
•Represented secured lender through workout proceedings to recover over a $10.0 million line of credit;
•Extensive experience representing lenders and companies in the acquisition and disposition of real estate assets;
•Represent lenders in the restructuring and workout of defaulted commercial loans under loss share agreements with the FDIC;
•Experience with representing lenders in the sale and disposition of secured and unsecured assets and related litigation on loans under loss share agreements with the FDIC.
Ms. Brown has been a frequent lecturer on commercial real estate, creditors’ rights and bankruptcy issues nationally. She has been a speaker at various conferences and seminars on commercial workouts, loan restructuring and commercial real estate transactions and other matters.
She is a member of the Alabama Mortgage Bankers Association, the Mortgage Bankers Association, the American Bar Association, the Montgomery Bar Association, the American Bankruptcy Institute and the Alabama Chapter of International Women in Insolvency and Restructuring Confederation.
Ms. Brown graduated from Southern Methodist University (B.A. 1995) and Cumberland School of Law of Samford University (J.D. 1999).