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Commercial Real Estate

Loan Workouts, Restructuring & Foreclosures

North Carolina Loan Workout, Restructuring, and Foreclosure Attorneys

Manning Fulton’s attorneys bring trusted experience representing lenders, creditors, debtors, developers, and borrowers in commercial loan workouts, restructuring, foreclosures, and enforcement of defaulted loans and guaranty agreements throughout North Carolina.

Whether a client is a lender seeking to recover real estate collateral secured by a commercial loan or a borrower working to reduce the burden of commercial debt, Manning Fulton’s commercial real estate team provides steady guidance through financial and real estate challenges.

Manning Fulton helps clients navigate the legal, financial, and practical issues that arise when commercial loans become distressed. Our attorneys work with lenders, borrowers, creditors, and debtors to evaluate available options, protect their interests, and pursue efficient resolutions.

Manning Fulton’s attorneys assist banks and private lenders in commercial foreclosure transactions. Our attention to detail enables us to guide clients through the evolving rules and regulations governing foreclosures and related enforcement actions. Our work includes matters involving:

Commercial foreclosure transactions
Enforcement of defaulted or non-performing loans
Enforcement of guaranty agreements
Recovery of real estate collateral secured by commercial loans
Foreclosure strategy and documentation

Manning Fulton regularly represents creditors and debtors in loan workouts and restructuring matters. Our attorneys help clients negotiate practical solutions that may avoid foreclosure, reduce risk, or resolve distressed debt issues without unnecessary cost or delay. Our loan workout experience includes:

Deeds in lieu of foreclosure
Short sales
Forbearance agreements
Loan modifications
Loan extensions
Discounted payoffs
Amendments to loan documents
Other restructuring or workout arrangements

Manning Fulton also assists clients with transactions involving distressed debt, secured and unsecured obligations, and distressed real estate assets. Our experience includes:

Note sales
Acquisition and disposition of secured and unsecured debt
Purchase and sale of REO properties and distressed assets
Transactions involving non-performing loans

Manning Fulton has served developers and lenders in receivership proceedings and has helped formulate creative solutions to restructure and reduce debt on behalf of borrowers. Our work includes:

Receivership proceedings
Debt restructuring strategies
Negotiated resolutions between lenders and borrowers
Borrower-side debt reduction strategies
Lender-side recovery strategies
Practical solutions for complex commercial real estate debt issues

Partner with Manning Fulton

Whether you are a lender seeking to recover real estate collateral, a creditor enforcing a defaulted loan or guaranty agreement, a borrower looking to reduce the burden of commercial debt, or a developer involved in a distressed real estate matter, Manning Fulton’s attorneys are ready to help.

Who We Serve

Whether the matter involves foreclosure, restructuring, a deed in lieu, a short sale, a loan modification, or a distressed asset transaction, Manning Fulton helps clients evaluate their options and move toward a practical resolution.

Manning Fulton advises clients involved in commercial loan workout, restructuring, and foreclosure matters, including:

Banks & Financial Institutions

Lenders handling defaulted or non-performing loans.

Private Lenders

Lenders seeking guidance on distressed commercial debt.

Creditors

Creditors enforcing defaulted loans or protecting repayment rights.

Debtors

Debtors negotiating loan workouts or restructuring options.

Borrowers

Borrowers seeking to reduce the burden of commercial debt.

Developers

Developers involved in distressed real estate or receivership matters.

Lenders Seeking Collateral Recovery

Lenders working to recover real estate collateral.

Buyers & Sellers of Distressed Assets

Parties buying or selling distressed assets, debt, notes, or REO properties.

Parties in Loan Disputes

Clients involved in guaranty disputes, loan modifications, forbearance agreements, or discounted payoffs.

Related Professionals

Barry D. Mann

Attorney

Email mann@manningfulton.com

Douglas J. Short

Attorney

Email short@manningfulton.com

Joseph “Joe” B. Bass III

Attorney

Email bass@manningfulton.com

Accolades

Best Lawyers: Ones to Watch® in America

Eight Manning Fulton attorneys were recognized in the 2027 edition of Best Lawyers: Ones to Watch® in America.

2027

Recognized attorneys

Matthew Muntean - Business Organizations; Corporate Law; Mergers and Acquisitions Law
J. Patrick Bailey, Jr. - Real Estate Law
Angela C. Baldwin - Corporate Law; Mergers and Acquisitions Law; Trusts and Estates
Cecilia Barreca - Business Organizations
Chris N. Bobby - Closely Held Companies and Family Businesses Law; Corporate Law; Mergers and Acquisitions Law; Tax Law
Lawrence D. Graham - Appellate Practice; Commercial Litigation; Real Estate Litigation
Corinne E. O’Reilly - Business Organizations
B. Zack Taylor, Jr. - Real Estate Law

Recognized by Chambers & Partners USA

Manning Fulton’s Commercial Real Estate Practice Group and four attorneys were recognized in the 2026 Chambers USA Legal Guide.

2026

Real Estate practice group selected for North Carolina (Band 3) in 2024-2026 Chambers recognized the following attorneys:

Mike Medford - Insurance NC (Band 1)
Barry Mann - Real Estate NC (Band 4)
Alison Cayton - Real Estate NC (Band 4)
Doug Short - Real Estate NC (Band 4)

Business North Carolina “Legal Elite”

Fifteen Manning Fulton attorneys were recognized in Business North Carolina’s 2026 “Legal Elite,” with three additional attorneys named “Legal Elite Young Guns.”

2026

Legal Elite