EDITOR’S NOTE: This post was guest-authored by Christopher J. Somma , an attorney in Goodwin Procter’s Consumer Financial Services Litigation Practice . Mr. Somma represents clients in distressed loan workouts, forbearances, restructurings, commercial and residential foreclosures, UCC foreclosure sales, distressed portfolio and asset sales, property disposition, creditors’ rights and insolvency, origination of commercial real estate loans, asset-based and structured-based finance, note and mortgage sales and other issues surrounding OREOs.