All Posts

Secured transactions are a cornerstone of modern commercial finance, yet they are often misunderstood by business owners and even experienced professionals. David A. Lutz helps clients cut through that complexity by providing clear, practical guidance on UCC Article 9—the legal framework that governs secured lending in the United States. With more than 25 years of experience representing lenders, businesses, and investors, David Lutz offers insight into how secured transactio

Twenty-five years ago, David A. Lutz set out to build a commercial law practice in Minneapolis rooted in one principle: give clients practical, clear, and results-driven legal counsel. A quarter century later, that commitment has translated into one of Minnesota's most trusted commercial law practices — serving banks, financial institutions, businesses, and individuals across the state. For David Lutz Minnesota attorney and founder of Lutz Law Firm, 25 years is not just a mi

For lenders, banks, and businesses operating in Minnesota's commercial landscape, few legal situations are as urgent — or as unforgiving — as a lien priority dispute. When competing creditors claim rights over the same collateral, every day without the right legal counsel is a day your secured position is at risk. David Lutz, Minnesota commercial attorney with over 25 years of experience, has guided financial institutions and businesses through exactly these high-stakes situ

In today’s complex financial and legal environment, businesses and financial institutions need more than just legal representation—they need a strategic partner who understands both the law and the realities of running a business. That’s why many organizations turn to David Lutz Minnesota , a highly experienced commercial attorney known for delivering practical, results-oriented legal solutions. With over 25 years of experience, David A. Lutz, founder of Lutz Law Firm in Min

Loan enforcement is a core function of banking—but it is also one of the most legally sensitive stages of the lender–borrower relationship. Defaults, workouts, and collateral enforcement often occur under stressful conditions, where missteps can quickly turn a straightforward collection matter into prolonged litigation. According to David Lutz Attorney , a Minnesota commercial lawyer who regularly represents financial institutions, many lender disputes are avoidable. The key

Minnesota businesses operate in a legal environment that demands careful planning, clear documentation, and experienced advocacy when disputes arise. David Lutz provides comprehensive legal support to businesses and financial institutions, guiding them from the earliest stages of loan documentation through complex commercial litigation. Based in Minneapolis, MN , David Lutz Attorney offers practical, business-focused counsel shaped by more than 25 years of experience. Compr

Despite careful lien searches and financing statements, many secured creditors are surprised to learn that their “first-filed” security interest does not always have priority. One of the most common—and most misunderstood—exceptions to the general first-to-file rule under Article 9 of the Uniform Commercial Code (UCC) is purchase money priority . Understanding how purchase money security interests (PMSIs) work, and how priority can be gained or lost, is critical for lenders,

When a borrower defaults and asks for additional time to address the problem, lenders often consider a forbearance arrangement rather than proceeding directly to foreclosure. Forbearance can be an effective and mutually beneficial workout option—provided the agreement is drafted with precision. A sound document maintains the lender’s leverage while offering the borrower a defined chance to cure the default. The following provisions are essential to any well-crafted forbearanc

Commercial lenders operate in a landscape where documentation quality, collateral clarity, and compliance with the Uniform Commercial Code (UCC) directly affect enforceability. When loan files contain inconsistencies or when collateral is not perfected properly, lenders may face unexpected exposure—often surfacing only when a borrower defaults. With over 25 years representing financial institutions, David A. Lutz , J.D., MBA , emphasizes disciplined drafting and strategic pla