Frank P. Terzo

Frank Terzo’s practice is devoted to a wide range of insolvency matters, including representation of corporate and consumer clients in complex workouts, bankruptcies, assignment for the benefit of creditors and receiverships. He has also represented creditor’s committees and Chapter 11 and 7 trustees. In addition, his practice encompasses both the prosecution and defense of all forms of complex bankruptcy litigation, including preference, fraudulent transfers, and complex contested matters.Over the last several years, Mr. Terzo represented a significant bank syndication that had a secured claim against one of the largest Florida-based HMOs. The parent company operated Medicare Advantage HMOs and PFFSs in Florida, Texas, and Nevada. The company generated over a billion dollars in revenue. His representation of the bank group produced a significant recovery, and funds are still being recovered through various sources including state receivers and a liquidating trustee in bankruptcy court.Prior to practicing law, he spent 18 years in the healthcare industry, successfully starting up, managing, and operating various public companies. His experience in healthcare businesses has provided numerous opportunities to represent trustees and committees in hospital, nursing home, diagnostic center, and HMO cases, as well as appointments as Patient Care Ombudsman throughout Florida.Because of his past experience in managing public companies and raising both debt and capital offerings, he has devoted much of his attention in the last several years to representation of both lending institutions and creditors’ committees in all aspects of insolvency and workout matters, particularly in the healthcare and time-share/condominium fields most recently.