BOVARNICK AND ASSOCIATES Bovarnick and Associates is a member of Select Counsel, a unique global network of former Big Law attorneys. Select Counsel-affiliated lawyers have an average of 20 years of experience and 10 years with top law firms (ranked in the Am Law 200 and/or Chambers Band 1), as well as top academic credentials.

NEWS & UPDATES

Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal OUR TEAM – BOVARNICK AND ASSOCIATES Associate Luke W. Sampson. Luke Sampson joined Bovarnick and Associates in 2006 to oversee operations. In Spring of 2011, Luke graduated from Rutgers University School of Law. While in law school, Luke focused on corporate, commercial, and bankruptcy law, which enabled him to provide immediate and ongoing value to the Firm.

Luke’s practice

AREAS OF PRACTICE

This type of law includes working with creditors, restructuring of loan agreements, negotiating out of court workouts to keep a company out of bankruptcy and chapter 11 bankruptcy; as well as representing creditors in bankruptcy from proofs of claims to purchasing assets under Section 363 and defending all types of litigation brought by the debtor or the trustee.

LEGAL ACCESS

For a flat fee, clients have ongoing access to legal expertise at hourly rates that are less than half the rate charged by large law firms. Legal Access takes care of the paperwork and tracks your time to alert you when you are nearing the end of your hours. CONTACT – BOVARNICK AND ASSOCIATES Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal CHOOSING AN ATTORNEY There are also questions you should ask, depending on the type of fee structure. If the engagement is on an hourly fee basis, you will want to know: (1) the hourly rate; (2) what are the minimum billing increments; (3) whether there is a charge for every phone call, letter, or email; (4) an estimate of the number of hours the case will take (although this question can be very difficult to GENERAL COUNSEL ON DEMAND Bovarnick and Associates has a solution for the small business owner—it is called General Counsel on Demand. For a monthly fee of $1,000.00, the company receives unlimited access to the Firm to discuss issues and address many common items, such as reviewing contracts, writing and responding to letters to and from suppliers and

customers, and

MERGERS & ACQUISITIONS Mergers and acquisitions is a phrase that refers to a way for two companies to combine. A merger is where two companies of similar size combine and become a new entity. BEING A CREDITOR IN A BANKRUPTCY CASE by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. BOVARNICK AND ASSOCIATES Bovarnick and Associates is a member of Select Counsel, a unique global network of former Big Law attorneys. Select Counsel-affiliated lawyers have an average of 20 years of experience and 10 years with top law firms (ranked in the Am Law 200 and/or Chambers Band 1), as well as top academic credentials.

NEWS & UPDATES

Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal OUR TEAM – BOVARNICK AND ASSOCIATES Associate Luke W. Sampson. Luke Sampson joined Bovarnick and Associates in 2006 to oversee operations. In Spring of 2011, Luke graduated from Rutgers University School of Law. While in law school, Luke focused on corporate, commercial, and bankruptcy law, which enabled him to provide immediate and ongoing value to the Firm.

Luke’s practice

AREAS OF PRACTICE

This type of law includes working with creditors, restructuring of loan agreements, negotiating out of court workouts to keep a company out of bankruptcy and chapter 11 bankruptcy; as well as representing creditors in bankruptcy from proofs of claims to purchasing assets under Section 363 and defending all types of litigation brought by the debtor or the trustee.

LEGAL ACCESS

For a flat fee, clients have ongoing access to legal expertise at hourly rates that are less than half the rate charged by large law firms. Legal Access takes care of the paperwork and tracks your time to alert you when you are nearing the end of your hours. CONTACT – BOVARNICK AND ASSOCIATES Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal CHOOSING AN ATTORNEY There are also questions you should ask, depending on the type of fee structure. If the engagement is on an hourly fee basis, you will want to know: (1) the hourly rate; (2) what are the minimum billing increments; (3) whether there is a charge for every phone call, letter, or email; (4) an estimate of the number of hours the case will take (although this question can be very difficult to GENERAL COUNSEL ON DEMAND Bovarnick and Associates has a solution for the small business owner—it is called General Counsel on Demand. For a monthly fee of $1,000.00, the company receives unlimited access to the Firm to discuss issues and address many common items, such as reviewing contracts, writing and responding to letters to and from suppliers and

customers, and

MERGERS & ACQUISITIONS Mergers and acquisitions is a phrase that refers to a way for two companies to combine. A merger is where two companies of similar size combine and become a new entity. BEING A CREDITOR IN A BANKRUPTCY CASE by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm.

NEWS & UPDATES

Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal ABOUT US – BOVARNICK AND ASSOCIATES Bovarnick and Associates, LLC was founded by Robert Bovarnick, Esq. in 2002. The Firm offers a diverse range of business law services which include: determining business models; drafting all types of business contracts; representation in mergers and acquisitions; renegotiating debts and representing companies and creditors in bankruptcies; and representing businesses and their owners as both OUR TEAM – BOVARNICK AND ASSOCIATES Associate Luke W. Sampson. Luke Sampson joined Bovarnick and Associates in 2006 to oversee operations. In Spring of 2011, Luke graduated from Rutgers University School of Law. While in law school, Luke focused on corporate, commercial, and bankruptcy law, which enabled him to provide immediate and ongoing value to the Firm.

Luke’s practice

LEGAL ACCESS

For a flat fee, clients have ongoing access to legal expertise at hourly rates that are less than half the rate charged by large law firms. Legal Access takes care of the paperwork and tracks your time to alert you when you are nearing the end of your hours. MERGERS & ACQUISITIONS Mergers and acquisitions is a phrase that refers to a way for two companies to combine. A merger is where two companies of similar size combine and become a new entity. HAIR CUTTERY FILES CHAPTER 11—COVID-19 WAS THE TIPPING by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. THOUGHTS AS TO WHAT YOU CAN BE DOING DURING THE … by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm.

RANDY H. STEEN

Randy started her career in 1993, as an associate in the Philadelphia boutique estate planning law firm of Gerald S. Sussman and Associates, P.C., which later became the Rittenhouse Law Group, PC. In 1999, Randy started her own firm and built a sophisticated trusts, estate and tax planning practice. Randy also became a Certified Mediator and MAKE SURE THOSE FEES GET PAID FOR! by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. A MAGNETIC END TO THE CORPORATE SHIELD? by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. BOVARNICK AND ASSOCIATES Bovarnick and Associates is a member of Select Counsel, a unique global network of former Big Law attorneys. Select Counsel-affiliated lawyers have an average of 20 years of experience and 10 years with top law firms (ranked in the Am Law 200 and/or Chambers Band 1), as well as top academic credentials.

NEWS & UPDATES

Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal ABOUT US – BOVARNICK AND ASSOCIATES Bovarnick and Associates, LLC was founded by Robert Bovarnick, Esq. in 2002. The Firm offers a diverse range of business law services which include: determining business models; drafting all types of business contracts; representation in mergers and acquisitions; renegotiating debts and representing companies and creditors in bankruptcies; and representing businesses and their owners as both OUR TEAM – BOVARNICK AND ASSOCIATES Rob focuses his practice in all aspects of businesses, including but not limited to: determining a business’ proper structure, drafting all types of contracts, purchasing and selling all or part of a business, renegotiating debts, bankruptcies or representing businesses and their principals and plaintiffs or defendants in all types of business litigation.

AREAS OF PRACTICE

This type of law includes working with creditors, restructuring of loan agreements, negotiating out of court workouts to keep a company out of bankruptcy and chapter 11 bankruptcy; as well as representing creditors in bankruptcy from proofs of claims to purchasing assets under Section 363 and defending all types of litigation brought by the debtor or the trustee. CONTACT – BOVARNICK AND ASSOCIATES Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal

LEGAL ACCESS

For a flat fee, clients have ongoing access to legal expertise at hourly rates that are less than half the rate charged by large law firms. Legal Access takes care of the paperwork and tracks your time to alert you when you are nearing the end of your hours. GENERAL COUNSEL ON DEMAND Running a business is stressful and costly. Many owners have to make hard decisions on where to spend their dollars. One area that is skipped is legal costs, the thinking being that, if there is a need, that is when the lawyer is called. BEING A CREDITOR IN A BANKRUPTCY CASE by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. CHARGING ORDERS: A WAKE-UP CALL IN PENNSYLVANIA by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. BOVARNICK AND ASSOCIATES Bovarnick and Associates is a member of Select Counsel, a unique global network of former Big Law attorneys. Select Counsel-affiliated lawyers have an average of 20 years of experience and 10 years with top law firms (ranked in the Am Law 200 and/or Chambers Band 1), as well as top academic credentials.

NEWS & UPDATES

Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal ABOUT US – BOVARNICK AND ASSOCIATES Bovarnick and Associates, LLC was founded by Robert Bovarnick, Esq. in 2002. The Firm offers a diverse range of business law services which include: determining business models; drafting all types of business contracts; representation in mergers and acquisitions; renegotiating debts and representing companies and creditors in bankruptcies; and representing businesses and their owners as both OUR TEAM – BOVARNICK AND ASSOCIATES Rob focuses his practice in all aspects of businesses, including but not limited to: determining a business’ proper structure, drafting all types of contracts, purchasing and selling all or part of a business, renegotiating debts, bankruptcies or representing businesses and their principals and plaintiffs or defendants in all types of business litigation.

AREAS OF PRACTICE

This type of law includes working with creditors, restructuring of loan agreements, negotiating out of court workouts to keep a company out of bankruptcy and chapter 11 bankruptcy; as well as representing creditors in bankruptcy from proofs of claims to purchasing assets under Section 363 and defending all types of litigation brought by the debtor or the trustee. CONTACT – BOVARNICK AND ASSOCIATES Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal

LEGAL ACCESS

For a flat fee, clients have ongoing access to legal expertise at hourly rates that are less than half the rate charged by large law firms. Legal Access takes care of the paperwork and tracks your time to alert you when you are nearing the end of your hours. GENERAL COUNSEL ON DEMAND Running a business is stressful and costly. Many owners have to make hard decisions on where to spend their dollars. One area that is skipped is legal costs, the thinking being that, if there is a need, that is when the lawyer is called. BEING A CREDITOR IN A BANKRUPTCY CASE by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. CHARGING ORDERS: A WAKE-UP CALL IN PENNSYLVANIA by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm.

NEWS & UPDATES

Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal ABOUT US – BOVARNICK AND ASSOCIATES Bovarnick and Associates, LLC was founded by Robert Bovarnick, Esq. in 2002. The Firm offers a diverse range of business law services which include: determining business models; drafting all types of business contracts; representation in mergers and acquisitions; renegotiating debts and representing companies and creditors in bankruptcies; and representing businesses and their owners as both

AREAS OF PRACTICE

This type of law includes working with creditors, restructuring of loan agreements, negotiating out of court workouts to keep a company out of bankruptcy and chapter 11 bankruptcy; as well as representing creditors in bankruptcy from proofs of claims to purchasing assets under Section 363 and defending all types of litigation brought by the debtor or the trustee. ROBERT BOVARNICK ESQ. Rob focuses his practice in all aspects of businesses, including but not limited to: determining a business’ proper structure, drafting all types of contracts, purchasing and selling all or part of a business, renegotiating debts, bankruptcies or representing businesses and their principals and plaintiffs or defendants in all types of business litigation. MERGERS & ACQUISITIONS Mergers and acquisitions is a phrase that refers to a way for two companies to combine. A merger is where two companies of similar size combine and become a new entity. THOUGHTS AS TO WHAT YOU CAN BE DOING DURING THE … by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. AVOIDING (BUT PLANNING FOR) BANKRUPTCY 101 IN THE AGE … by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. FORCE MAJEURE—A FORCE TO BE RECKONED WITH by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm.

RANDY H. STEEN

Randy focuses her practice in all aspects of estate, trust, tax, and business succession planning including, but not limited to Special Needs Planning, Wills, Trusts, Powers of Attorney for Finance and Health Care, Charitable Trusts, Qualified Personal Residence Trusts, Grantor Retained Annuity Trusts, Tax Planning Strategies, Business Succession Planning, Pre-Nuptial Agreements, Will Contests A MAGNETIC END TO THE CORPORATE SHIELD? by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. BOVARNICK AND ASSOCIATES Bovarnick and Associates is a member of Select Counsel, a unique global network of former Big Law attorneys. Select Counsel-affiliated lawyers have an average of 20 years of experience and 10 years with top law firms (ranked in the Am Law 200 and/or Chambers Band 1), as well as top academic credentials.

NEWS & UPDATES

Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal ABOUT US – BOVARNICK AND ASSOCIATES Bovarnick and Associates, LLC was founded by Robert Bovarnick, Esq. in 2002. The Firm offers a diverse range of business law services which include: determining business models; drafting all types of business contracts; representation in mergers and acquisitions; renegotiating debts and representing companies and creditors in bankruptcies; and representing businesses and their owners as both OUR TEAM – BOVARNICK AND ASSOCIATES Associate Luke W. Sampson. Luke Sampson joined Bovarnick and Associates in 2006 to oversee operations. In Spring of 2011, Luke graduated from Rutgers University School of Law. While in law school, Luke focused on corporate, commercial, and bankruptcy law, which enabled him to provide immediate and ongoing value to the Firm.

Luke’s practice

AREAS OF PRACTICE

This type of law includes working with creditors, restructuring of loan agreements, negotiating out of court workouts to keep a company out of bankruptcy and chapter 11 bankruptcy; as well as representing creditors in bankruptcy from proofs of claims to purchasing assets under Section 363 and defending all types of litigation brought by the debtor or the trustee. CONTACT – BOVARNICK AND ASSOCIATES Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal

LEGAL ACCESS

For a flat fee, clients have ongoing access to legal expertise at hourly rates that are less than half the rate charged by large law firms. Legal Access takes care of the paperwork and tracks your time to alert you when you are nearing the end of your hours. GENERAL COUNSEL ON DEMAND Bovarnick and Associates has a solution for the small business owner—it is called General Counsel on Demand. For a monthly fee of $1,000.00, the company receives unlimited access to the Firm to discuss issues and address many common items, such as reviewing contracts, writing and responding to letters to and from suppliers and

customers, and

BEING A CREDITOR IN A BANKRUPTCY CASE by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. CHARGING ORDERS: A WAKE-UP CALL IN PENNSYLVANIA by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. BOVARNICK AND ASSOCIATES Bovarnick and Associates is a member of Select Counsel, a unique global network of former Big Law attorneys. Select Counsel-affiliated lawyers have an average of 20 years of experience and 10 years with top law firms (ranked in the Am Law 200 and/or Chambers Band 1), as well as top academic credentials.

NEWS & UPDATES

Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal ABOUT US – BOVARNICK AND ASSOCIATES Bovarnick and Associates, LLC was founded by Robert Bovarnick, Esq. in 2002. The Firm offers a diverse range of business law services which include: determining business models; drafting all types of business contracts; representation in mergers and acquisitions; renegotiating debts and representing companies and creditors in bankruptcies; and representing businesses and their owners as both OUR TEAM – BOVARNICK AND ASSOCIATES Associate Luke W. Sampson. Luke Sampson joined Bovarnick and Associates in 2006 to oversee operations. In Spring of 2011, Luke graduated from Rutgers University School of Law. While in law school, Luke focused on corporate, commercial, and bankruptcy law, which enabled him to provide immediate and ongoing value to the Firm.

Luke’s practice

AREAS OF PRACTICE

This type of law includes working with creditors, restructuring of loan agreements, negotiating out of court workouts to keep a company out of bankruptcy and chapter 11 bankruptcy; as well as representing creditors in bankruptcy from proofs of claims to purchasing assets under Section 363 and defending all types of litigation brought by the debtor or the trustee. CONTACT – BOVARNICK AND ASSOCIATES Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal

LEGAL ACCESS

For a flat fee, clients have ongoing access to legal expertise at hourly rates that are less than half the rate charged by large law firms. Legal Access takes care of the paperwork and tracks your time to alert you when you are nearing the end of your hours. GENERAL COUNSEL ON DEMAND Bovarnick and Associates has a solution for the small business owner—it is called General Counsel on Demand. For a monthly fee of $1,000.00, the company receives unlimited access to the Firm to discuss issues and address many common items, such as reviewing contracts, writing and responding to letters to and from suppliers and

customers, and

BEING A CREDITOR IN A BANKRUPTCY CASE by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. CHARGING ORDERS: A WAKE-UP CALL IN PENNSYLVANIA by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm.

NEWS & UPDATES

Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal ABOUT US – BOVARNICK AND ASSOCIATES Bovarnick and Associates, LLC was founded by Robert Bovarnick, Esq. in 2002. The Firm offers a diverse range of business law services which include: determining business models; drafting all types of business contracts; representation in mergers and acquisitions; renegotiating debts and representing companies and creditors in bankruptcies; and representing businesses and their owners as both

AREAS OF PRACTICE

This type of law includes working with creditors, restructuring of loan agreements, negotiating out of court workouts to keep a company out of bankruptcy and chapter 11 bankruptcy; as well as representing creditors in bankruptcy from proofs of claims to purchasing assets under Section 363 and defending all types of litigation brought by the debtor or the trustee. MERGERS & ACQUISITIONS Mergers and acquisitions is a phrase that refers to a way for two companies to combine. A merger is where two companies of similar size combine and become a new entity. ROBERT BOVARNICK ESQ. Rob focuses his practice in all aspects of businesses, including but not limited to: determining a business’ proper structure, drafting all types of contracts, purchasing and selling all or part of a business, renegotiating debts, bankruptcies or representing businesses and their principals and plaintiffs or defendants in all types of business litigation. THOUGHTS AS TO WHAT YOU CAN BE DOING DURING THE … by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. HAIR CUTTERY FILES CHAPTER 11—COVID-19 WAS THE TIPPING by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. FORCE MAJEURE—A FORCE TO BE RECKONED WITH by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm.

RANDY H. STEEN

Randy started her career in 1993, as an associate in the Philadelphia boutique estate planning law firm of Gerald S. Sussman and Associates, P.C., which later became the Rittenhouse Law Group, PC. In 1999, Randy started her own firm and built a sophisticated trusts, estate and tax planning practice. Randy also became a Certified Mediator and A MAGNETIC END TO THE CORPORATE SHIELD? by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. BOVARNICK AND ASSOCIATES Bovarnick and Associates is a member of Select Counsel, a unique global network of former Big Law attorneys. Select Counsel-affiliated lawyers have an average of 20 years of experience and 10 years with top law firms (ranked in the Am Law 200 and/or Chambers Band 1), as well as top academic credentials.

NEWS & UPDATES

Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal ABOUT US – BOVARNICK AND ASSOCIATES Bovarnick and Associates, LLC was founded by Robert Bovarnick, Esq. in 2002. The Firm offers a diverse range of business law services which include: determining business models; drafting all types of business contracts; representation in mergers and acquisitions; renegotiating debts and representing companies and creditors in bankruptcies; and representing businesses and their owners as both OUR TEAM – BOVARNICK AND ASSOCIATES Associate Luke W. Sampson. Luke Sampson joined Bovarnick and Associates in 2006 to oversee operations. In Spring of 2011, Luke graduated from Rutgers University School of Law. While in law school, Luke focused on corporate, commercial, and bankruptcy law, which enabled him to provide immediate and ongoing value to the Firm.

Luke’s practice

AREAS OF PRACTICE

This type of law includes working with creditors, restructuring of loan agreements, negotiating out of court workouts to keep a company out of bankruptcy and chapter 11 bankruptcy; as well as representing creditors in bankruptcy from proofs of claims to purchasing assets under Section 363 and defending all types of litigation brought by the debtor or the trustee. CONTACT – BOVARNICK AND ASSOCIATES Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal

LEGAL ACCESS

For a flat fee, clients have ongoing access to legal expertise at hourly rates that are less than half the rate charged by large law firms. Legal Access takes care of the paperwork and tracks your time to alert you when you are nearing the end of your hours. GENERAL COUNSEL ON DEMAND Bovarnick and Associates has a solution for the small business owner—it is called General Counsel on Demand. For a monthly fee of $1,000.00, the company receives unlimited access to the Firm to discuss issues and address many common items, such as reviewing contracts, writing and responding to letters to and from suppliers and

customers, and

BEING A CREDITOR IN A BANKRUPTCY CASE by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. CHARGING ORDERS: A WAKE-UP CALL IN PENNSYLVANIA by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. BOVARNICK AND ASSOCIATES Bovarnick and Associates is a member of Select Counsel, a unique global network of former Big Law attorneys. Select Counsel-affiliated lawyers have an average of 20 years of experience and 10 years with top law firms (ranked in the Am Law 200 and/or Chambers Band 1), as well as top academic credentials.

NEWS & UPDATES

Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal ABOUT US – BOVARNICK AND ASSOCIATES Bovarnick and Associates, LLC was founded by Robert Bovarnick, Esq. in 2002. The Firm offers a diverse range of business law services which include: determining business models; drafting all types of business contracts; representation in mergers and acquisitions; renegotiating debts and representing companies and creditors in bankruptcies; and representing businesses and their owners as both OUR TEAM – BOVARNICK AND ASSOCIATES Associate Luke W. Sampson. Luke Sampson joined Bovarnick and Associates in 2006 to oversee operations. In Spring of 2011, Luke graduated from Rutgers University School of Law. While in law school, Luke focused on corporate, commercial, and bankruptcy law, which enabled him to provide immediate and ongoing value to the Firm.

Luke’s practice

AREAS OF PRACTICE

This type of law includes working with creditors, restructuring of loan agreements, negotiating out of court workouts to keep a company out of bankruptcy and chapter 11 bankruptcy; as well as representing creditors in bankruptcy from proofs of claims to purchasing assets under Section 363 and defending all types of litigation brought by the debtor or the trustee. CONTACT – BOVARNICK AND ASSOCIATES Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal

LEGAL ACCESS

For a flat fee, clients have ongoing access to legal expertise at hourly rates that are less than half the rate charged by large law firms. Legal Access takes care of the paperwork and tracks your time to alert you when you are nearing the end of your hours. GENERAL COUNSEL ON DEMAND Bovarnick and Associates has a solution for the small business owner—it is called General Counsel on Demand. For a monthly fee of $1,000.00, the company receives unlimited access to the Firm to discuss issues and address many common items, such as reviewing contracts, writing and responding to letters to and from suppliers and

customers, and

BEING A CREDITOR IN A BANKRUPTCY CASE by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. CHARGING ORDERS: A WAKE-UP CALL IN PENNSYLVANIA by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm.

NEWS & UPDATES

Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal ABOUT US – BOVARNICK AND ASSOCIATES Bovarnick and Associates, LLC was founded by Robert Bovarnick, Esq. in 2002. The Firm offers a diverse range of business law services which include: determining business models; drafting all types of business contracts; representation in mergers and acquisitions; renegotiating debts and representing companies and creditors in bankruptcies; and representing businesses and their owners as both

AREAS OF PRACTICE

This type of law includes working with creditors, restructuring of loan agreements, negotiating out of court workouts to keep a company out of bankruptcy and chapter 11 bankruptcy; as well as representing creditors in bankruptcy from proofs of claims to purchasing assets under Section 363 and defending all types of litigation brought by the debtor or the trustee. MERGERS & ACQUISITIONS Mergers and acquisitions is a phrase that refers to a way for two companies to combine. A merger is where two companies of similar size combine and become a new entity. ROBERT BOVARNICK ESQ. Rob focuses his practice in all aspects of businesses, including but not limited to: determining a business’ proper structure, drafting all types of contracts, purchasing and selling all or part of a business, renegotiating debts, bankruptcies or representing businesses and their principals and plaintiffs or defendants in all types of business litigation. THOUGHTS AS TO WHAT YOU CAN BE DOING DURING THE … by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. HAIR CUTTERY FILES CHAPTER 11—COVID-19 WAS THE TIPPING by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. FORCE MAJEURE—A FORCE TO BE RECKONED WITH by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm.

RANDY H. STEEN

Randy started her career in 1993, as an associate in the Philadelphia boutique estate planning law firm of Gerald S. Sussman and Associates, P.C., which later became the Rittenhouse Law Group, PC. In 1999, Randy started her own firm and built a sophisticated trusts, estate and tax planning practice. Randy also became a Certified Mediator and A MAGNETIC END TO THE CORPORATE SHIELD? by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. BOVARNICK AND ASSOCIATES Bovarnick and Associates is a member of Select Counsel, a unique global network of former Big Law attorneys. Select Counsel-affiliated lawyers have an average of 20 years of experience and 10 years with top law firms (ranked in the Am Law 200 and/or Chambers Band 1), as well as top academic credentials.

NEWS & UPDATES

Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal ABOUT US – BOVARNICK AND ASSOCIATES Bovarnick and Associates, LLC was founded by Robert Bovarnick, Esq. in 2002. The Firm offers a diverse range of business law services which include: determining business models; drafting all types of business contracts; representation in mergers and acquisitions; renegotiating debts and representing companies and creditors in bankruptcies; and representing businesses and their owners as both OUR TEAM – BOVARNICK AND ASSOCIATES Associate Luke W. Sampson. Luke Sampson joined Bovarnick and Associates in 2006 to oversee operations. In Spring of 2011, Luke graduated from Rutgers University School of Law. While in law school, Luke focused on corporate, commercial, and bankruptcy law, which enabled him to provide immediate and ongoing value to the Firm.

Luke’s practice

AREAS OF PRACTICE

This type of law includes working with creditors, restructuring of loan agreements, negotiating out of court workouts to keep a company out of bankruptcy and chapter 11 bankruptcy; as well as representing creditors in bankruptcy from proofs of claims to purchasing assets under Section 363 and defending all types of litigation brought by the debtor or the trustee. CONTACT – BOVARNICK AND ASSOCIATES Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal

LEGAL ACCESS

For a flat fee, clients have ongoing access to legal expertise at hourly rates that are less than half the rate charged by large law firms. Legal Access takes care of the paperwork and tracks your time to alert you when you are nearing the end of your hours. CHOOSING AN ATTORNEY There are also questions you should ask, depending on the type of fee structure. If the engagement is on an hourly fee basis, you will want to know: (1) the hourly rate; (2) what are the minimum billing increments; (3) whether there is a charge for every phone call, letter, or email; (4) an estimate of the number of hours the case will take (although this question can be very difficult to GENERAL COUNSEL ON DEMAND Bovarnick and Associates has a solution for the small business owner—it is called General Counsel on Demand. For a monthly fee of $1,000.00, the company receives unlimited access to the Firm to discuss issues and address many common items, such as reviewing contracts, writing and responding to letters to and from suppliers and

customers, and

BEING A CREDITOR IN A BANKRUPTCY CASE by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. BOVARNICK AND ASSOCIATES Bovarnick and Associates is a member of Select Counsel, a unique global network of former Big Law attorneys. Select Counsel-affiliated lawyers have an average of 20 years of experience and 10 years with top law firms (ranked in the Am Law 200 and/or Chambers Band 1), as well as top academic credentials.

NEWS & UPDATES

Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal ABOUT US – BOVARNICK AND ASSOCIATES Bovarnick and Associates, LLC was founded by Robert Bovarnick, Esq. in 2002. The Firm offers a diverse range of business law services which include: determining business models; drafting all types of business contracts; representation in mergers and acquisitions; renegotiating debts and representing companies and creditors in bankruptcies; and representing businesses and their owners as both OUR TEAM – BOVARNICK AND ASSOCIATES Associate Luke W. Sampson. Luke Sampson joined Bovarnick and Associates in 2006 to oversee operations. In Spring of 2011, Luke graduated from Rutgers University School of Law. While in law school, Luke focused on corporate, commercial, and bankruptcy law, which enabled him to provide immediate and ongoing value to the Firm.

Luke’s practice

AREAS OF PRACTICE

This type of law includes working with creditors, restructuring of loan agreements, negotiating out of court workouts to keep a company out of bankruptcy and chapter 11 bankruptcy; as well as representing creditors in bankruptcy from proofs of claims to purchasing assets under Section 363 and defending all types of litigation brought by the debtor or the trustee. CONTACT – BOVARNICK AND ASSOCIATES Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal

LEGAL ACCESS

For a flat fee, clients have ongoing access to legal expertise at hourly rates that are less than half the rate charged by large law firms. Legal Access takes care of the paperwork and tracks your time to alert you when you are nearing the end of your hours. CHOOSING AN ATTORNEY There are also questions you should ask, depending on the type of fee structure. If the engagement is on an hourly fee basis, you will want to know: (1) the hourly rate; (2) what are the minimum billing increments; (3) whether there is a charge for every phone call, letter, or email; (4) an estimate of the number of hours the case will take (although this question can be very difficult to GENERAL COUNSEL ON DEMAND Bovarnick and Associates has a solution for the small business owner—it is called General Counsel on Demand. For a monthly fee of $1,000.00, the company receives unlimited access to the Firm to discuss issues and address many common items, such as reviewing contracts, writing and responding to letters to and from suppliers and

customers, and

BEING A CREDITOR IN A BANKRUPTCY CASE by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm.

NEWS & UPDATES

Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal ABOUT US – BOVARNICK AND ASSOCIATES Bovarnick and Associates, LLC was founded by Robert Bovarnick, Esq. in 2002. The Firm offers a diverse range of business law services which include: determining business models; drafting all types of business contracts; representation in mergers and acquisitions; renegotiating debts and representing companies and creditors in bankruptcies; and representing businesses and their owners as both

AREAS OF PRACTICE

This type of law includes working with creditors, restructuring of loan agreements, negotiating out of court workouts to keep a company out of bankruptcy and chapter 11 bankruptcy; as well as representing creditors in bankruptcy from proofs of claims to purchasing assets under Section 363 and defending all types of litigation brought by the debtor or the trustee. THOUGHTS AS TO WHAT YOU CAN BE DOING DURING THE … by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm.

BUSINESS LITIGATION

Business litigation is litigation over business issues. Aggressive, creative, experienced and innovative trial lawyers are what set the Firm apart from its competitors. ROBERT BOVARNICK ESQ. Rob focuses his practice in all aspects of businesses, including but not limited to: determining a business’ proper structure, drafting all types of contracts, purchasing and selling all or part of a business, renegotiating debts, bankruptcies or representing businesses and their principals and plaintiffs or defendants in all types of business litigation. AVOIDING (BUT PLANNING FOR) BANKRUPTCY 101 IN THE AGE … by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm.

RANDY H. STEEN

Randy started her career in 1993, as an associate in the Philadelphia boutique estate planning law firm of Gerald S. Sussman and Associates, P.C., which later became the Rittenhouse Law Group, PC. In 1999, Randy started her own firm and built a sophisticated trusts, estate and tax planning practice. Randy also became a Certified Mediator and MAKE SURE THOSE FEES GET PAID FOR! by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm. A MAGNETIC END TO THE CORPORATE SHIELD? by Robert M. Bovarnick. Rob Bovarnick is a graduate of the University of Miami School of Law. Prior to starting his firm, he was Vice Chair of the Bankruptcy Group at a 170 lawyer firm and head of the Creditor’s Rights practice at a 20 lawyer firm.

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Areas of Practice

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ATTORNEYS AT LAWBOVARNICK AND ASSOCIATES Looking at legal issues through the eyes of a business owner–don’t over lawyer the deal.

CONTACT US

ATTORNEYS AT LAWLEGAL ACCESS It isn’t easy to afford the best legal care when you’re starting a

business.

To address this, we’ve developed Legal Access.

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ATTORNEYS AT LAWROB BOVARNICK POSTS IN FORBES.COM

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ATTORNEYS AT LAWBOVARNICK AND ASSOCIATES Looking at legal issues through the eyes of a business owner–don’t over lawyer the deal.

CONTACT US

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WHO WE AREWE’RE IN THIS TOGETHER.

YOUR TEAM AND OURS.

Bovarnick and Associates, LLC, is a distinguished, AV© rated, Center City Philadelphia law firm. We represent businesses and entrepreneurs in General corporate, business litigation and debtor/creditor relations . Our team works closely with you, whether you are the sole proprietor of a startup or the head of a large corporation, to address your legal challenges and work through your legal entanglements. We understand that a business is more than just a legal distinction. It’s your life, and we take a personal interest in each of our clients to understand both them and how they work. ROB BOVARNICK WRITES WEEKLY POSTS FOR _FORBES.COM_ Check out his most recent article on bankruptcy.

READ CURRENT POST

WHAT WE DOAREAS OF PRACTICE CORPORATE/TRANSACTIONAL LAW This type of law involves everything about the business; from the decision as to whether to form a limited liability company, partnership or a subchapter S corporation; to drafting all types of contracts and leases, shareholder and membership agreements and joint venture agreements; to mergers and acquisitions and corporate

restructuring.

DEBITOR/CREDITOR RELATIONS This type of law includes working with creditors, restructuring of loan agreements, negotiating out of court workouts to keep a company out of bankruptcy and chapter 11 bankruptcy; as well as representing creditors in bankruptcy from proofs of claims to purchasing assets under Section 363 and defending all types of litigation brought by the debtor or the trustee.

BUSINESS LITIGATION

This type of litigation involves disputes over business issues. It includes breach of contract, partnership and shareholder disputes and asset purchase and sales that have gone bad and everything in between.

TRUSTS AND ESTATES

The Firm, through Randy Steen, provides a wide array of trust and estate services, with a particular emphasis on special needs trusts.

SELECT COUNSEL

Bovarnick and Associates is a member of Select Counsel, a unique global network of former Big Law attorneys. Select Counsel-affiliated lawyers have an average of 20 years of experience and 10 years with top law firms (ranked in the Am Law 200 and/or Chambers Band 1), as well as top academic credentials. The members work independently at different firms, but share the highest standards of professionalism

and client service.

Select counsel has over 100 members. Among the areas of law covered are the following: Antitrust and Competition; Bankruptcy and Restructuring; Compensation and Benefits; Construction; Corporate and Securities; Data Privacy and Cybersecurity; Environmental; Franchise Law; Healthcare; Intellectual Property; Labor and Employment; Litigation and Dispute Resolution; Real Estate, Startups and Venture

Capital; and Tax.

MERGERS & ACQUISITIONS Mergers and acquisitions is a phrase that refers to a way for two companies to combine. A merger is where two companies of similar size combine and become a new entity. An acquisition is where one company

acquires the other.

READ MORE

LEGAL ACCESS

It isn’t easy to afford the best legal care when you’re starting a business. To address this, we’ve developed Legal Access. The Legal Access program gives you the opportunity to buy prepaid legal hours at a discounted price. You get the power of in-house legal counsel for a price start-ups and small business owners can afford.

LEARN MORE

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LATEST FROM BLOG

August 11, 2020

BEING A CREDITOR IN A BANKRUPTCY CASE These are unprecedented times. While virtually nothing is certain, one thing that most people agree on is that there will be a wave of bankruptcies. What should you do if a company you deal with files? Here are a few things to know.

July 28, 2020

AVOIDING (BUT PLANNING FOR) BANKRUPTCY 101 IN THE AGE OF COVID-19 No small business wants to file for bankruptcy. Even though a chapter 11 filing allows for reorganization, not having to file is the preferred course. What about in the age of Covid-19? While the current state of affairs, as well as the new Small Business Reorganization Act, makes a chapter 11 a better option, good planning may be able to keep your company from having to file.

May 18, 2020

WHAT SMALL BUSINESSES CAN LEARN FROM LARGE BUSINESSES Since the nationwide shutdown, many people have been waiting for an avalanche of bankruptcy filings under Chapter 11. As of the writing of this article, there have only been a few notable filings, such as the XFL, Frontier Communications and True Religion. While there has been a lot of anticipation about filings by large retailers, such as Neiman Marcus, Lord & Taylor and JC Penny, none have filed.

May 18, 2020

THOUGHTS AS TO WHAT YOU CAN BE DOING DURING THE SHUTDOWN We all find ourselves in a similar place with our businesses. Best case scenario is your business is able to continue operating relatively normally (while you are home). More likely is you are able to operate, but at a reduced level. There is also a possibility that you have stopped operating. What should you be doing at this time? Here are some thoughts. BOVARNICK AND ASSOCIATES, LLC Looking at legal issues through the eyes of a business owner – don’t over lawyer the deal

PHONE & FAX

P 215.568.4480 F 215.568.4462

OFFICE

One South Broad Street, Suite 1600 Philadelphia, PA 19107

EMAIL

rmb@rbovarnick.com

© 2020 Bovarnick and Associates LLC.

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