Bowles Rice is a full-service creditors’ rights, bankruptcy and restructuring law firm. We advise clients in a wide array of industries, including financial services, energy, real estate, health care, and law firms. To provide comprehensive representation for our clients, we work with our clients at the initial stage of credit transactions to create, perfect and preserve creditors’ liens and other rights, and avoid uncertainty and dispute when trouble befalls the debtor. Proper drafting and review of credit instruments and agreements serves to ensure that our clients receive the full benefit of the protection for which they have bargained.
When disputes do arise, we provide comprehensive representation in commercial litigation involving legal issues arising out of complicated financial transactions, such as lender liability actions, bankruptcy proceedings and business disputes. We vigorously enforce the collection rights and security interests of our creditor clients. We will assist in negotiating workouts with troubled debtors, prosecuting collection actions in state and federal courts, enforcing liens on real and personal property, and standing as the creditor’s advocate in the entire array of bankruptcy litigation and reorganization disputes.
Our team members frequently appear in bankruptcy and other federal courts throughout West Virginia and neighboring states, in addition to appearances in state court enforcement actions.
In the 2017 edition of U.S. News & World Report's "Best Law Firms," Bowles Rice ranks as First Tier in more than 30 areas of law in West Virginia, including Banking and Finance Law, Bankruptcy and Creditor Debtor Rights / Insolvency and Reorganization Law, Commercial Litigation, Financial Services Regulation Law and Litigation – Bankruptcy.
Presentations & Events
- Presentation: Collecting Under the West Virginia Consumer Credit and Protection Act, by Julia A. ChincheckWest Virginia Bankers AssociationDecember 2014
- Presentation: Judgment Enforcement Remedies, by Julia A. Chincheck and Daniel J. CohnClient SeminarNovember 2014
- Presentation: Secured Loan Documentation Seminar, by Julia A. ChincheckWest Virginia Bankers AssociationSpring 2014
- Presentation: Collecting Under the West Virginia Consumer Credit and Protection Act, by Julia A. ChincheckWest Virginia Bankers Association2014
- Presentation: Mitigating Fair Lending Risk in the Current Regulatory Environment, by Julia A. ChincheckWest Virginia Bankers Association2014
- Presentation: Collecting Under the West Virginia Consumer Credit and Protection Act, by Julia A. ChincheckWest Virginia Bankers Association2013
- Presentation: West Virginia's Amendments to Article 9, by Julia A. ChincheckWest Virginia Bankers Association2013
- Presentation: Risks Associated With Fair Lending Laws, by Julia A. ChincheckWest Virginia Bankers Association2013
- Presentation: Record Creation and Retention, by Julia A. ChincheckClient Seminar2011
- Presentation: Lender Liability, by Julia A. ChincheckWest Virginia Bankers Association2010
- Presentation: Collection Compliance and Bankruptcy Law, by Julia A. ChincheckWest Virginia Bankers Association2010
- Presentation: Take Five: A Primer on the Five Stages of Lending, by Julia A. ChincheckWest Virginia Bankers Association2010
- Presentation: Quick Refresher on Key Concepts in Bankruptcy, by Julia A. ChincheckWest Virginia Bankers Association2010
- Presentation: Bankruptcy Reform Act, by Julia A. ChincheckWest Virginia Bankers Association2005
- Presentation: Bankruptcy Seminar, by Julia A. ChincheckFDIC Regional MeetingOrlando, Florida, 2004
- Presentation: Bankruptcy Overview, by Julia A. ChincheckPresented to the bank auditors of the West Virginia Division of Financial InstitutionsCharleston, West Virginia, 2004
Articles & Alerts
- The Community Banker Magazine, Winter 2015
- "Filing a Proof of Claim Could Result in Violation of the Fair Debt Collection Practices Act," by Julia A. Chincheck and Daniel J. CohnThe Community Banker Magazine, Fall 2014
- "Do You Lose Privilege When Your Attorneys Sign Your Proofs of Claim?," by Julia A. Chincheck and Daniel J. CohnThe Community Banker Magazine, Spring 2014
- The Community Banker Magazine, Fall 2013
- West Virginia Banker Magazine, Spring 2013
- "Client Alert: A Lien Exchanged Without Receiving Reasonably Equivalent Value Is Void As a Fraudulent Transfer," by Julia A. Chincheck and Michael C. CardiThe Community Banker Magazine, Summer 2012
- "A Lender's 'Unclean Hands' Voids the Enforceability of a Forebearance Agreement," by Julia A. ChincheckWest Virginia Banker Magazine, Spring 2012
- Copier Word Processing Supply, Inc. v. WesBanco Bank, Inc., et al. (applicable statute of limitations in case involving conversion of checks by employee)Amicus Brief, May 5, 2006
- Lucas, et al. v. Fairbanks Capital Corp., et al. (scope of duties of trustees and loan servicers in foreclosure)Amicus Brief, July 19, 2004
- State of W. Virginia v. Combs Services, et al. and Mountain Valley Bank, N.A. (priority of secured creditor lien over statutory lien created by preneed burial contact statute)Amicus Brief, August 1999
- The Effects of West Virginia’s Bankruptcy Exemption Statute on Resident Debtors86 West Virginia Law Review 227, 1983