ECOA May Provide A Defense To The Personal Guarantee Of A Spouse
We help people avoid an SBA loan default by advising them about the SBA offer in compromise and solutions to other SBA loan problems.
Contact Our SBA Attorneys for Nationwide Representation of SBA and Treasury Debt Problems
Book a Consultation CallAs a leading law firm in the field of SBA and Treasury debt collection cases, Protect Law Group offers top-notch litigation and negotiation services before the SBA Office of Hearings and Appeals (OHA). Our SBA OHA attorneys are well-versed in the complex federal laws and regulations surrounding these matters and have extensive experience representing clients throughout the United States. Whether you are located on the West Coast, Southwest, Mountain West, Midwest, Great Plains, East Coast, Northeast, Appalachia, the South, Alaska or Hawaii, our SBA OHA attorneys, who are authorized by the Agency Practice Act (5 U.S.C. § 500), can represent your interests against the U.S. Small Business Administration and their team of Trial Attorneys from the Office of General Counsel. Contact us today if you need assistance challenging an SBA Program Decision before the SBA OHA.
We prosecute SBA Debt Collection cases involving SBA 7(a), 504, COVID (PPP, EIDL), and 7(b) Disaster loans. Our SBA OHA Attorneys can appeal certain SBA debt collection cases and property deprivation issues through litigation. Our SBA OHA Attorneys can evaluate the facts of your case, research legal issues, assess the prospects of resolution and, if applicable, prepare an Appeals Petition in response to proposed administrative offsets against federal benefits (such as Social Security Income or Disability), federal salary offsets, federal contractor pay, military salary, pension and annuity pay offsets. Be advised that an Appeals Petition is accepted at the sole discretion of the SBA OHA and the presiding United States Administrative Law Judge (ALJ).
The Office of Hearings and Appeals (OHA) is an independent office of the Small Business Administration (SBA) established in 1983 to provide a quasi-judicial appeal of eligible SBA Program Decisions. The SBA OHA has jurisdiction to conduct proceedings in the collection of debts owed to the SBA and the United States under the Debt Collection Act of 1982, the Debt Collection Improvement Act of 1996, and 13 C.F.R. Part 140. The SBA OHA is on the Eighth Floor of SBA headquarters above the Federal Center SW Metro Stop. Their address is 409 Third Street, SW, Eighth Floor, Washington, DC 20416.
Aggressive collection of SBA debts has increased considerably in recent years. Understanding the SBA OHA appeals process requires experienced SBA OHA Appeal Attorneys who know and understand government contracts, federal regulations, including the nuances that may arise if the SBA tries to deprive your property without due process of law. You have the right to challenge administrative offset, federal salary offset, military pay offset, military pension, or annuity offset due to an SBA loan default. If you receive the SBA's Notice where federal salary offset, federal contractor offset or administrative offset is proposed, you have the opportunity to present evidence to OHA (13 C.F.R. §140.3(e)(1)). To have a hearing before OHA, you must request a hearing by filing an Appeals Petition within fifteen (15) days of receiving the Notice of Intent to Offset (13 C.F.R. §140.3(e)(1)). Therefore, time is of the essence and you will need to contact experienced legal counsel for assistance.
Understand that time deadlines must be met to pursue your right to file an Appeals Petition in response to an eligible Notice of Offset. If you fail to act within the regulatory time frame from receipt of the Notice, you can damage your opportunity of having your Appeals Petition accepted and heard by the SBA OHA on jurisdictional grounds. With several years of experience focusing on SBA debt collection cases, our SBA OHA Appeal Attorneys can help SBA debtors navigate the maze of complex issues governing SBA rules, regulations and appeals.
Our SBA attorneys can help with the following:
The Office of Hearings and Appeals (OHA) is an independent office of the Small Business Administration (SBA) established in 1983 to provide a quasi-judicial appeal of eligible SBA Program Decisions. The SBA OHA has jurisdiction to conduct proceedings in the collection of debts owed to the SBA and the United States under the Debt Collection Act of 1982, the Debt Collection Improvement Act of 1996, and 13 C.F.R. Part 140. The SBA OHA is on the Eighth Floor of SBA headquarters above the Federal Center SW Metro Stop. Their address is 409 Third Street, SW, Eighth Floor, Washington, DC 20416.
Aggressive collection of SBA debts has increased considerably in recent years. Understanding the SBA OHA appeals process requires experienced SBA OHA Appeal Attorneys who know and understand government contracts, federal regulations, including the nuances that may arise if the SBA tries to deprive your property without due process of law. You have the right to challenge administrative offset, federal salary offset, military pay offset, military pension, or annuity offset due to an SBA loan default. If you receive the SBA's Notice where federal salary offset, federal contractor offset or administrative offset is proposed, you have the opportunity to present evidence to OHA (13 C.F.R. §140.3(e)(1)). To have a hearing before OHA, you must request a hearing by filing an Appeals Petition within fifteen (15) days of receiving the Notice of Intent to Offset (13 C.F.R. §140.3(e)(1)). Therefore, time is of the essence and you will need to contact experienced legal counsel for assistance.
Understand that time deadlines must be met to pursue your right to file an Appeals Petition in response to an eligible Notice of Offset. If you fail to act within the regulatory time frame from receipt of the Notice, you can damage your opportunity of having your Appeals Petition accepted and heard by the SBA OHA on jurisdictional grounds. With several years of experience focusing on SBA debt collection cases, our SBA OHA Appeal Attorneys can help SBA debtors navigate the maze of complex issues governing SBA rules, regulations and appeals.
Our SBA attorneys can help with the following:
Client personally guaranteed SBA 7(a) loan balance of $58,000. The client received a notice of Intent to initiate Administrative Wage Garnishment (AWG) Proceedings. We represented the client at the hearing and successfully defeated the AWG Order based on several legal and equitable grounds.
Our firm successfully assisted a client in closing an SBA Disaster Loan tied to a COVID-19 Economic Injury Disaster Loan (EIDL). The borrower obtained an EIDL loan of $153,800, but due to the prolonged economic impact of the COVID-19 pandemic, the business was unable to recover and ultimately closed.
As part of the business closure review and audit, we worked closely with the SBA to negotiate a resolution. The borrower was required to pay only $1,625 to release the remaining collateral, effectively closing the matter without further financial liability for the owner/officer.
This case highlights the importance of strategic negotiations when dealing with SBA settlements, particularly for businesses that have shut down due to unforeseen economic challenges. If you or your business are struggling with SBA loan debt, we focus on SBA Offer in Compromise (SBA OIC) solutions to help settle outstanding obligations efficiently.
Small business and guarantors obtained an SBA COVID-EIDL loan for $1,000,000. Clients defaulted causing SBA to charge-off the loan, accelerate the balance and refer the debt to Treasury's Bureau of Fiscal Service for collection. Treasury added nearly $500,000 in collection fees totaling $1,500,000. Clients were served with the SBA's Official 60-Day Notice and exercised the Repayment option by applying for the SBA’s Hardship Accommodation Plan. However, their application was summarily rejected by the SBA without providing any meaningful reasons. Clients hired the Firm to represent them against the SBA, Treasury and a Private Collection Agency. After securing government records through discovery, we filed an Appeals Petition with the SBA Office of Hearings & Appeals (OHA) court challenging the SBA's referral of the debt to Treasury. During litigation and before the OHA court issued a final Decision and Order, the Firm successfully negotiated a reinstatement and recall of the loan back to the SBA, a modification of the original repayment terms, termination of Treasury's enforced collection and removal of the statutory collection fees.
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