Licensed to practice since 2008, Thomas Howard has represented numerous financial institutions in litigation to enforce their security interests. Over the past decade, he has assisted community banks in complex commercial workouts involving some of the most sophisticated financial products in the banking industry. He has also litigated in contested contract cases on various legal theories.After being licensed to practice for ten years, Mr. Howard joined Hall Rustom and Fritz in June of 2018 to expand his legal offerings to business clients to include a higher level of service through his knowledge of technology. To assist downstate community banks with flat fees for uncontested litigation, he has designed and built the Collateral Base website, where he publishes regularly on security interests and offers his flat fee menu of services. He also built reductedn systems into his bank litigation practice to facilitate his flat fee offerings.He brings to Hall Rustom and Fritz a practice specializing in creditor’s’ rights, loan documents and related contracts,Uniform Commerical Code issues, replevins, guaranty actions, and bankruptcy. He has successfully resolved numerous multi-million dollar non-performing loans for many community banks throughout Illinois. As a result of his efforts, Mr. Howard earned Rising Stars by Super Lawyers, and as an Emerging Lawyer by Leading Lawyers from2015 to 2018. Only two percent of attorneys ever receive such distinction.Mr. Howard represents financial institutions and business creditors in commercial litigation and bankruptcy matters. He has a broad experience in real estate mortgage foreclosures, replevins of personal property and suits on notes and guaranties. He also represents creditors in loan workouts and in bankruptcy matters to enforce their rights.Thomas Howard also develops websites and various software applications for his legal career. WorkVisas.Solutions expands his offerings to businesses that have c