Deep restructuring experience, directly engaged.

Joseph has extensive experience providing CRO, interim management and financial advisory services to companies, creditors' committees, lenders and other stakeholders. He has represented financially troubled companies, secured and unsecured creditors, court-appointed trustees, receivers and examiners in both in-court and out-of-court matters.

His work includes viability and solvency analyses, feasibility and liquidation analyses, fraudulent transfer and preference analyses, damage claims, forensic investigations and litigation support. Joseph has served as Chief Restructuring Officer and Liquidating Trustee and has testified in numerous courts. His forensic experience includes investigations involving over-billings, employee misappropriation and misrepresentation of financial reporting.

Before BJC Advisors, Joseph worked at Argus Management Corporation and spent 17 years in CohnReznick's restructuring and litigation support practice. He earned a B.S. in Accounting from Walsh College.

Howard advises secured creditors, business owners and corporate boards navigating distressed environments, viability challenges and workout situations. His experience includes collateral valuation, adequate protection analysis, exit strategies, lender due diligence, credit decisions and forbearance negotiations.

Howard has represented borrowers seeking to refinance credit facilities as well as financially troubled companies, secured and unsecured creditors, trustees, receivers and examiners. His work includes viability and solvency analyses, feasibility and liquidation analyses, fraudulent transfer and preference analyses, damage claims, forensic investigations and litigation support.

Before BJC Advisors, Howard worked at a New Jersey consulting firm specializing in interim financial management and spent 17 years in CohnReznick's restructuring and litigation support practice. He earned a B.S. in Accounting from the University of Rhode Island.

Steve has more than a decade of restructuring and financial advisory experience, with significant work across retail, real estate and energy. He has advised debtors in Chapter 11 restructurings and borrowers seeking new financing, and has worked with financially troubled companies, secured and unsecured creditors, receivers and examiners.

His experience includes liquidity analysis, financial forecasting, viability and solvency analysis, damage claims, forensic investigations and litigation support. Steve previously served as Controller of a New York real estate firm, where he led the company's financial reporting function.

Steve earned a B.S. in Accounting from Touro College and is a Certified Public Accountant.