Welcome to Aronow Law, P.C.
At Aronow Law P.C., we understand the challenges small business owners face when dealing with the Small Business Administration (SBA). Whether you are applying for a loan, struggling with repayment, or facing aggressive collection efforts, the process can be overwhelming.
Our dedicated legal team is here to help you navigate SBA regulations, protect your business assets, and negotiate fair outcomes. We provide both the legal expertise and compassionate support you need to keep your business moving forward.
What Is an SBA Attorney?
An SBA attorney is a lawyer who specializes in handling matters involving the U.S. Small Business Administration, including SBA-backed loans, default defense, and compliance issues. At Aronow Law P.C., we assist clients with:
- SBA Loan Applications & Documentation
- Loan Modifications & Repayment Plans
- SBA Loan Defaults & Collections Defense
- Personal Guaranty Negotiations
- SBA 7(a), 504, and EIDL Loan Issues
- Administrative Appeals & Compliance
Personal liability and federal collection actions are common with SBA loans. Our attorneys know the law, the process, and the strategies to protect your financial future.
Do I Need an SBA Attorney?
You may need an SBA attorney if you find yourself in any of the following situations:
Loan Application or Approval Issues
Legal guidance can improve your chances of approval if your SBA loan application was denied or delayed due to compliance issues or missing documentation.
Loan Default or Repayment Problems
If you are behind on SBA loan payments or facing default, an attorney can negotiate repayment terms, loan modifications, or defend you against collections.
Personal Guaranty Liability
Most SBA loans require personal guarantees. If your business cannot repay, creditors may pursue your assets. An attorney can negotiate to reduce or eliminate this liability.
Debt Collection or Treasury Offset Program (TOP)
If your SBA debt has been referred to the Treasury Department or private collectors, we can challenge aggressive collection actions and protect your rights.
The SBA Legal Process
Step 1: Review & Analysis
We review your SBA loan documents, financials, and guarantee obligations to identify potential risks and defenses.
Step 2: Negotiation & Settlement
Our attorneys negotiate directly with lenders, the SBA, or collection agencies to pursue settlements, repayment plans, or compromises.
Step 3: Litigation & Defense
If lawsuits or federal collection actions arise, we represent you in court, defending your rights and protecting your business and personal assets.
Step 4: Compliance & Appeals
We guide clients through SBA administrative appeals and compliance reviews, ensuring all legal requirements are met.
Why Choose Aronow Law P.C.?
- Extensive experience handling SBA loan and debt cases
- Strong negotiation skills to protect both business and personal assets
- Aggressive defense against unfair collections
- Compassionate support with a focus on your business survival and growth
- No cookie-cutter approach — tailored strategies for your unique situation
Book Your Free Consultation Today!
Call (516) 762-6700 today for a Free Case Evaluation.
Visit us at: 7600 Jericho Turnpike, Suite 115, Woodbury, NY 11797
Email us at: [email protected]
At Aronow Law P.C., we are committed to helping business owners overcome SBA loan challenges and protect what they’ve built. Contact us today to learn how we can help you resolve your SBA legal issues.
Frequently Asked Questions About SBA Attorneys
Can I settle an SBA loan for less than I owe?
Yes. The SBA offers settlement and compromise programs that may allow you to resolve your debt for less than the full balance. An attorney can negotiate the best terms possible.
What happens if I default on my SBA loan?
If you default, the SBA may pursue your business and personal assets, including wage garnishment or Treasury offsets. An attorney can help defend and negotiate repayment.
Do I still owe if my business closes?
Yes. SBA loans usually require a personal guarantee, meaning you remain liable even if your business shuts down. Legal representation is critical to protecting your assets.
Can the SBA garnish my wages?
Yes, through federal collection programs, but defenses and negotiation strategies are available. An SBA attorney can help limit or stop garnishment.
Do I need an attorney before applying for an SBA loan?
Not always, but having an attorney review documents and agreements can prevent future issues with repayment, collateral, and personal guarantees.
