Practice Areas


Carmichael Clark’s creditor-debtor practice includes the representation of businesses and individuals in a variety of collection contexts. The firm’s attorneys regularly represent banks and other lenders with regard to defaulted loans, including collateral recovery via foreclosure and receivership, replevin, attachment, garnishment, and execution, as well as other procedures. The firm’s attorneys also help contractors and material suppliers collect money owed on both private and public projects, including lien filing and foreclosure, and claims against bonds and retainage on public works projects. It also represents many homeowners associations, condominium associations, and municipal entities in collecting outstanding assessments.

In addition, Carmichael Clark assists clients in negotiating workout and re-structure solutions as an alternative to formal collection actions.


These issues often require immediate attention, and Carmichael Clark’s attorneys are readily available to respond to questions from clients and rapidly provide advice and assistance.


The firm’s attorneys also represent creditors in bankruptcy proceedings in Washington, including relief from stay proceedings, claim filing and valuation, reaffirmation, adversary cases, and related matters. The firm regularly represents creditors in proceedings under Chapters 7, 11, and 13 of the Bankruptcy Code.

Creditor-Debtor Law Attorneys

Luke D. Phifer
Luke D. Phifer

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