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Representation for SBA Office of Hearings and Appeals - Protect Law Group

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SBA Office of Hearings and Appeals

As a leading law firm in the field of SBA and Treasury debt issues, Protect Law Group is proud to offer top-notch legal services through the SBA Office of Hearings and Appeals. Our team of expert SBA attorneys is well-versed in the complex laws and regulations surrounding these matters and has extensive experience in representing clients nationwide. Whether you are located in San Diego, Orange, or Los Angeles Counties in California, our SBA lawyers are ready to provide you with the necessary legal assistance to protect your rights and interests. Contact us today and

We prosecute SBA Debt Collection cases before the SBA Office of Hearings & Appeals (SBA OHA). Our SBA OHA Appeal Attorneys are well-versed in appealing certain SBA debt collection cases and property deprivation issues via administrative litigation before the SBA OHA. Our SBA OHA Appeal Attorneys can help you assess the specifics of your case and, where applicable, prepare an Appeals Petition in response to eligible administrative offsets, federal salary offsets, military salary and military pension and annuity pay offsets. Suppose your SBA debt collection Appeals Petition is accepted at the sole and absolute discretion of the SBA OHA. In that case, our SBA OHA Appeal Attorneys can then prosecute your administrative litigation matter.

We can launch formal discovery, issue subpoenas, engage in motion practice, represent you in alternative dispute resolution (ADR) or pre-hearing conferences, perform legal research, and write persuasive legal arguments that help advocate your positionto possibly settle or compromise your SBA debt once and for all.

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The Office of Hearings and Appeals (OHA) is an independent office of the Small Business Administration (SBA) established in 1983 to provide an independent, quasi-judicial appeal of certain SBA program decisions.  The SBA OHA has jurisdictional authority 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 CFR Part 140.  The SBA OHA has the sole and absolute discretion concerning your Appeals Petition.  The SBA OHA’s office 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 are knowledgeable and understand government law, including the nuances that may arise if the SBA tries to deprive your property without due process of law.  You can fight administrative offset, federal salary offset, military pay offset, military pension, or annuity offset based on an SBA loan default.  If you have received the following sample Notice from either the SBA or on behalf of the SBA by the Treasury/Bureau of Fiscal Service:

Administrative Offset against your Federal Salary, Pension, or Retirement Benefits, (e.g., DFAS Military, United States Postal Service, Department of Defense)

then, time is of the essence ... that’s where Protect Law Group can help. However, you must understand that certain time deadlines must be met to try and preserve your right to file an Appeals Petition in response to the aforesaid sample Notice.  If you fail to act within the statutory time frame from receipt of your Notice, you damage your opportunity of having your Appeals Petition accepted and heard by the SBA OHA.  With several years of experience focusing on SBA debt collection matters, our SBA OHA Appeal Attorneys can help SBA debtors navigate the maze of complex issues covering SBA rules, regulations and appeals.

Our SBA attorneys are here and can help with the following legal assistance situations:

  • Develop and implement proactive strategies to defend and potentially settle your SBA debt collection matter
  • Apply legal authority to help support your positions
  • Review the merits of filing an Appeals Petition with the SBA OHA
  • Investigate factual, procedural, and legal errors and how to prosecute or defend against them
  • Intervene in response to notices sent by or on behalf of the SBA regarding administrative offset, federal salary offset, military pay offset, or military pension or annuity offset
  • Present the necessary information to prepare and prosecute an SBA OHA Appeals Petition
  • Administratively litigate your case before the Administrative Law Judge (ALJ) assigned to your SBA OHA Appeals Petition if jurisdiction is granted and your case is accepted for hearing

The Office of Hearings and Appeals (OHA) is an independent office of the Small Business Administration (SBA) established in 1983 to provide an independent, quasi-judicial appeal of certain SBA program decisions.  The SBA OHA has jurisdictional authority 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 CFR Part 140.  The SBA OHA has the sole and absolute discretion concerning your Appeals Petition.  The SBA OHA’s office 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 are knowledgeable and understand government law, including the nuances that may arise if the SBA tries to deprive your property without due process of law.  You can fight administrative offset, federal salary offset, military pay offset, military pension, or annuity offset based on an SBA loan default.  If you have received the following sample Notice from either the SBA or on behalf of the SBA by the Treasury/Bureau of Fiscal Service:

Administrative Offset against your Federal Salary, Pension, or Retirement Benefits, (e.g., DFAS Military, United States Postal Service, Department of Defense)

then, time is of the essence ... that’s where Protect Law Group can help. However, you must understand that certain time deadlines must be met to try and preserve your right to file an Appeals Petition in response to the aforesaid sample Notice.  If you fail to act within the statutory time frame from receipt of your Notice, you damage your opportunity of having your Appeals Petition accepted and heard by the SBA OHA.  With several years of experience focusing on SBA debt collection matters, our SBA OHA Appeal Attorneys can help SBA debtors navigate the maze of complex issues covering SBA rules, regulations and appeals.

Our SBA attorneys are here and can help with the following legal assistance situations:

  • Develop and implement proactive strategies to defend and potentially settle your SBA debt collection matter
  • Apply legal authority to help support your positions
  • Review the merits of filing an Appeals Petition with the SBA OHA
  • Investigate factual, procedural, and legal errors and how to prosecute or defend against them
  • Intervene in response to notices sent by or on behalf of the SBA regarding administrative offset, federal salary offset, military pay offset, or military pension or annuity offset
  • Present the necessary information to prepare and prosecute an SBA OHA Appeals Petition
  • Administratively litigate your case before the Administrative Law Judge (ALJ) assigned to your SBA OHA Appeals Petition if jurisdiction is granted and your case is accepted for hearing

Representation for SBA Office of Hearings and Appeals - Protect Law Group
$350,000 SBA 7A LOAN - NEGOTIATED STRUCTURED WORKOUT AGREEMENT

$350,000 SBA 7A LOAN - NEGOTIATED STRUCTURED WORKOUT AGREEMENT

Client personally guaranteed SBA 7(a) loan for $350,000. The small business failed but because of the personal guarantee liability, the client continued to pay the monthly principal & interest out-of-pocket draining his savings. The client hired a local attorney but quickly realized that he was not familiar with SBA-backed loans or their standard operating procedures. Our firm was subsequently hired after the client received the SBA's official 60-day notice. After back-and-forth negotiations, we were able to convince the SBA to reinstate the loan, retract the acceleration of the outstanding balance, modify the original terms, and approve a structured workout reducing the interest rate from 7.75% to 0% and extending the maturity date for a longer period to make the monthly payments affordable. In conclusion, not only we were able to help the client avoid litigation and bankruptcy, but our SBA lawyers also saved him approximately $227,945 over the term of the workout.

$300,000 SBA 7A LOAN - SBA OIC TERM SETTLEMENT

$300,000 SBA 7A LOAN - SBA OIC TERM SETTLEMENT

Clients personally guaranteed SBA 7(a) loan balance of over $300,000.  Clients also pledged their homes as additional collateral.  SBA OIC accepted $87,000 with the full lien release against the home.

$150,000 SBA 7A LOAN - NEGOTIATED STRUCTURED WORKOUT AGREEMENT

$150,000 SBA 7A LOAN - NEGOTIATED STRUCTURED WORKOUT AGREEMENT

Client personally guaranteed SBA 7(a) loan for $150,000. COVID-19 caused the business to fail, and the loan went into default with a balance of $133,000. Client initially hired a non-attorney consultant to negotiate an OIC. The SBA summarily rejected the ineligible OIC and the debt was referred to Treasury’sBureau of Fiscal Service for enforced collection in the debt amount of $195,000. We were hired to intervene and initiated discovery for SBA and Fiscal Service records. We were able to recall the case from Fiscal Service back to the SBA. We then negotiated a structured workout with favorable terms that saves the client approximately $198,000 over the agreed-upon workout term by waiving contractual and statutory administrative fees, collection costs, penalties, and interest.

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