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<DIV dir=ltr align=left><SPAN class=354513415-03102012><FONT color=#0000ff
size=2 face=Arial>Although I certainly don't consider myself an expert, I have
been involved in a fair number of construction cases related to bankruptcy
proceedings. My understanding is that a lienor is a secured creditor in
bankruptcy if the debtor is the owner of the property (remember, however, that
secured creditors are only secured in bankruptcy up to the value of the
collateral, so the lienor's secured status can be challenged if there is
insufficient equity in the property to satisfy superior lien claimants, like a
prior-perfected mortgage on the same property).</FONT></SPAN><SPAN
class=354513415-03102012><FONT color=#0000ff size=2 face=Arial> If the
bankruptcy debtor is someone else, (i.e. general contractor), the creditor is
not a secured creditor, but rather has an alternative remedy against a
non-debtor, the property owner. </FONT></SPAN></DIV>
<DIV dir=ltr align=left><SPAN class=354513415-03102012><FONT color=#0000ff
size=2 face=Arial></FONT></SPAN> </DIV>
<DIV dir=ltr align=left><SPAN class=354513415-03102012><FONT color=#0000ff
size=2 face=Arial>As for a bond claim, I don't believe the creditor is a secured
claimant, but likewise has an alternative remedy against an entity who is not a
debtor in bankruptcy: the surety. You mention that in this case the surety
is in liquidation, by whom? If the surety is in a bankruptcy
proceeding itself, I don't believe a creditor has a secured claim, but rather a
statutory cause of action, which would most likely be an unsecured
claim.</FONT></SPAN></DIV>
<DIV dir=ltr align=left><SPAN class=354513415-03102012><FONT color=#0000ff
size=2 face=Arial></FONT></SPAN> </DIV>
<DIV dir=ltr align=left><SPAN class=354513415-03102012>
<DIV align=left><FONT size=2><FONT size=4><STRONG>Steven F. Thompson,
Esq.</STRONG></FONT><BR><FONT size=3>Thompson & Brooks<BR>412 E. Madison
St., Ste 900<BR>Tampa, Fl. 33602<BR>813-387-1821<BR>Fax
813-387-1824<BR></FONT></FONT></DIV>
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<FONT size=2 face=Tahoma><B>From:</B>
clc-discussion-bounces@lists.flabarrpptl.org
[mailto:clc-discussion-bounces@lists.flabarrpptl.org] <B>On Behalf Of </B>John
J. Thresher<BR><B>Sent:</B> Wednesday, October 03, 2012 11:04 AM<BR><B>To:</B>
'Blaik Ross'; 'Weintraub, Lee'; peter@robertsonfirm.com;
clc-discussion@lists.flabarrpptl.org<BR><B>Subject:</B> Re: [CLC-Discussion]
Secured creditor<BR></FONT><BR></DIV>
<DIV></DIV>
<DIV class=WordSection1>
<P class=MsoNormal><SPAN style="COLOR: #1f497d">I do not hold myself out as
knowing the first thing about bankruptcy. That said, I do not have any
support for the notion that a bond holder is a secured creditor against a
bonding company in bankruptcy (and I would think that the very need to consider
the creditworthiness of the bond indicates the bond would not put the holder in
a position of preference over any other creditors of the Surety). However,
I am familiar with a line of Florida cases that specifically discuss whether
bonds are insurance and conclude that they are not. If I recall correctly,
the cases were related to attempts to assert bad faith claims against surety
companies. The opinions actually allowed bad faith claims but specifically
determined bonds were not insurance. Subsequently the legislature amended
the bad faith statute to remove sureties from the equation, essentially
rendering the line of cases old news, but they could be helpful to you if you
were looking for something that was intended to show the difference between
bonding and insurance.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d">Sincerely,<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #17365d">John J. Thresher,
Esq.<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d">Board Certified Construction
Attorney<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d"><IMG id=Picture_x0020_2
alt=ThresherAndThresher_Logo_final src="cid:354513415@03102012-208A" width=148
height=91><o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d">400 North Tampa St.<BR>Ste.
1320<BR>Tampa, FL 33602<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d">(813) 229-7744<BR>(813) 228-0367
(Fax)<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d"><A
href="http://www.ThresherPA.com">http://www.ThresherPA.com</A><o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN style="COLOR: #1f497d"><o:p> </o:p></SPAN></P>
<DIV>
<DIV
style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0in; PADDING-LEFT: 0in; PADDING-RIGHT: 0in; BORDER-TOP: #b5c4df 1pt solid; BORDER-RIGHT: medium none; PADDING-TOP: 3pt">
<P class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">From:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">
clc-discussion-bounces@lists.flabarrpptl.org
[mailto:clc-discussion-bounces@lists.flabarrpptl.org] <B>On Behalf Of </B>Blaik
Ross<BR><B>Sent:</B> Wednesday, October 03, 2012 9:13 AM<BR><B>To:</B>
Weintraub, Lee; peter@robertsonfirm.com;
clc-discussion@lists.flabarrpptl.org<BR><B>Subject:</B> Re: [CLC-Discussion]
Secured creditor<o:p></o:p></SPAN></P></DIV></DIV>
<P class=MsoNormal><o:p> </o:p></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; COLOR: navy; FONT-SIZE: 10pt">How
about a bond holder? I am making a performance bond claim against a surety
in liquidation for money damages and they ask on their proof of claim form if I
am a secured creditor. I answered yes and attached the bond as the
security agreement, but received a letter from their attorney saying a bond is
not a security agreement but an “insurance policy”, therefore my claim is
unsecured. They cited no authority for the statement. They said I
will have an opportunity later to object to that classification if I feel
otherwise. Anyone know the answer?<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; COLOR: navy; FONT-SIZE: 10pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; COLOR: navy; FONT-SIZE: 10pt">Thanks!<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; COLOR: navy; FONT-SIZE: 10pt"><o:p> </o:p></SPAN></P>
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Integrity and Value.</SPAN></STRONG><SPAN
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<P class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">From:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> <A
href="mailto:clc-discussion-bounces@lists.flabarrpptl.org">clc-discussion-bounces@lists.flabarrpptl.org</A>
[<A
href="mailto:clc-discussion-bounces@lists.flabarrpptl.org">mailto:clc-discussion-bounces@lists.flabarrpptl.org</A>]
<B>On Behalf Of </B>Weintraub, Lee<BR><B>Sent:</B> Wednesday, October 03, 2012
8:51 AM<BR><B>To:</B> <A
href="mailto:peter@robertsonfirm.com">peter@robertsonfirm.com</A>; <A
href="mailto:clc-discussion@lists.flabarrpptl.org">clc-discussion@lists.flabarrpptl.org</A><BR><B>Subject:</B>
Re: [CLC-Discussion] Secured creditor</SPAN><SPAN
style="FONT-FAMILY: 'Times New Roman','serif'; FONT-SIZE: 12pt"><o:p></o:p></SPAN></P></DIV>
<P class=MsoNormal><o:p> </o:p></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; COLOR: blue; FONT-SIZE: 10pt">In
bankruptcy cases, a lien holder is deemed a secured creditor even prior to
judgment</SPAN><SPAN
style="FONT-FAMILY: 'Times New Roman','serif'; FONT-SIZE: 12pt"><o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
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<P style="TEXT-ALIGN: justify" class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; COLOR: #003768; FONT-SIZE: 10pt">Lee
A. Weintraub</SPAN></B><SPAN style="COLOR: #003768"><BR></SPAN><SPAN
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<P style="MARGIN-BOTTOM: 12pt" class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">From:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> <A
href="mailto:clc-discussion-bounces@lists.flabarrpptl.org">clc-discussion-bounces@lists.flabarrpptl.org</A>
[<A
href="mailto:clc-discussion-bounces@lists.flabarrpptl.org">mailto:clc-discussion-bounces@lists.flabarrpptl.org</A>]
<B>On Behalf Of </B><A
href="mailto:peter@robertsonfirm.com">peter@robertsonfirm.com</A><BR><B>Sent:</B>
Wednesday, October 03, 2012 8:24 AM<BR><B>To:</B> <A
href="mailto:clc-discussion@lists.flabarrpptl.org">clc-discussion@lists.flabarrpptl.org</A><BR><B>Subject:</B>
[CLC-Discussion] Secured creditor</SPAN><SPAN
style="FONT-FAMILY: 'Times New Roman','serif'; FONT-SIZE: 12pt"><o:p></o:p></SPAN></P>
<P class=MsoNormal>I have a question about secured creditors. Is a
construction lien holder a secured creditor? I don’t think so until there
is a judgment, but can’t find a statutory or case law basis. I appreciate
any help.<o:p></o:p></P>
<P class=MsoNormal><o:p> </o:p></P>
<P class=MsoNormal>Peter A. Robertson<o:p></o:p></P>
<P class=MsoNormal>Board Certified Construction Law<o:p></o:p></P>
<P class=MsoNormal>Board Certified Civil Trial<o:p></o:p></P>
<P class=MsoNormal>The Robertson Firm<o:p></o:p></P>
<P class=MsoNormal>5547 A1A South<o:p></o:p></P>
<P class=MsoNormal>Suite 108<o:p></o:p></P>
<P class=MsoNormal>St. Augustine, FL 32080<o:p></o:p></P>
<P class=MsoNormal>T (904)853-2612<o:p></o:p></P>
<P class=MsoNormal>F (904)853-2613<o:p></o:p></P>
<P class=MsoNormal><o:p> </o:p></P></DIV></BODY></HTML>