Yuma County, Arizona Real Estate Lawyers

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Dorothy Baran
Claimed Lawyer Profile
Maricopa County, AZ Real Estate Law Lawyer with 32 years experience
(602) 252-0300 Chase Tower 22nd Floor
201 North Central Ave.
Phoenix, AZ 85004
Real Estate, Arbitration & Mediation, Business and Employment
Rutgers School of Law-Camden
Alex C Hairston
Claimed Lawyer ProfileSocial Media
Maricopa County, AZ Real Estate Law Lawyer
(480) 463-3475 2651 W Guadalupe Rd.
Suite 110
Mesa, AZ 85202
Free ConsultationReal Estate, Consumer, Estate Planning and Social Security Disability
University of Wisconsin - Madison
INTRODUCTION Alex Hairston brings broad experience to his litigation practice. Over the years, Alex has worked in various settings including a Family Law practice in his hometown and a Consumer Law practice in Madison, WI. Alex has worked on a wide spectrum of legal issues, including criminal, civil, and family law cases. His private practice includes cases ranging from complex civil litigation to child support and custody modifications. PHILOSOPHY Alex believes that his job is to resolve problems for his clients as efficiently and effectively as possible. Alex counsels his clients to understand their...
Bruce R Heurlin
Claimed Lawyer Profile
Pima County, AZ Real Estate Law Attorney with 46 years experience
(520) 319-1200 1636 N Swan Rd
Suite 200
Tucson, AZ 85712
Real Estate, Appeals, Arbitration & Mediation and Construction
James E. Rogers College of Law, University of Arizona
Former Federal Prosecutor - Assistant U.S. Attorney and Criminal Division, U.S. Department of Justice (Honors Program). Mr. Heurlin now practices in the areas of complex business and real estate litigation, securities arbitration (broker fraud), federal white-collar criminal defense, and security clearance litigation. Mr. Heurlin has tried approximately 50 jury trials and argued approximately 60 appeals, many in the federal courts.
Amy M. Wilkins
Claimed Lawyer Profile
Maricopa County, AZ Real Estate Law Attorney with 17 years experience
(602) 795-0789 3300 N. Central Ave. Ste. 2600
Phoenix, AZ 85012
Real Estate, Appeals and Business
University of Arizona
Amy Wilkins has more than 17 years’ litigation experience. Before forming her own firm, she practiced at large national firms, including Kirkland & Ellis, Steptoe & Johnson, and Lewis and Roca, where she defended clients in commercial litigation, employment, securities litigation, and criminal disputes. Ms. Wilkins brings that big-firm litigation experience to her clients at a reasonable, small-firm cost.

Amy then continued her career as a plaintiffs’ class action lawyer at Hagens Berman Sobol Shapiro, where her passion for consumer safety led her to focus on automobile class actions. Her work included the Toyota rapid-acceleration multi-district litigation, a class action against...
Ian Douglas
Claimed Lawyer Profile
County, AZ Real Estate Law Attorney with 17 years experience
(602) 218-8458 2015 W. Apache Trail #1
Apache Junction, AZ 85220
Free ConsultationReal Estate and Bankruptcy
Brigham Young University
Mr Frankie Adamo Esq
Claimed Lawyer ProfileQ&ASocial Media
(602) 644-1403 7330 N. 16th St., Suite A310
Phoenix, AZ 85020
Maricopa County, AZ Real Estate Law Attorney with 10 years experience
Real Estate, Appeals, Foreclosure Defense and Landlord Tenant
Florida A&M University College of Law
Mr. Adamo focuses on civil litigation issues, judgment collections, and appellate work. He has nine years of experience winning and settling many cases in state and federal court. Mr. Adamo represents both plaintiffs and defendants alike.

Mr. Adamo graduated cum laude from Florida A&M College of Law and earned a Bachelor of Science degree in Computer Science at the University of Central Florida. Mr. Adamo also attended Rutgers State University as part of his undergraduate studies.

Mr. Adamo worked for nearly twenty years as a computer analyst, programmer, and software trainer before becoming an attorney. Mr. Adamo approaches all of his cases...
Fred Randy Saigh
Claimed Lawyer Profile
Maricopa County, AZ Real Estate Law Lawyer with 16 years experience
(602) 953-7742 18206 N 19th Avenue, Suite 2A
Phoenix, AZ 85023
Free ConsultationReal Estate, DUI, Insurance Claims and Personal Injury
Southwestern Univ School of Law
Saigh Law, P.L.L.C. was founded in 2005. Fred R. Saigh is admitted to practice law in Arizona and California. Mr. Saigh has specialized solely in civil litigation for over 11 years. Saigh Law, P.L.L.C. has helped victims of all types of serious injury and wrongful death matters. Our cases include automobile accidents, motorcycle accidents, medical malpractice, slip and fall accidents, construction accidents, wrongful death, nursing home negligence, dog bites, elderly abuse, entertainment law, copyright law, and trademark law. Mr. Saigh will continue his commitment to quality representation of those who retain his services and will maintain the highest...
Sterling Threet
Claimed Lawyer Profile
Maricopa County, AZ Real Estate Law Lawyer with 28 years experience
(480) 926-0500 2345 E University Dr
Mesa, AZ 85213
Real Estate, Business, Collections and Estate Planning
Arizona State University
Sterling R. Threet has over 25 years of experience representing clients throughout Arizona. Mr. Threet earned his Bachelor of Science degree in Accounting at Arizona State University in 1987, and was honored on the Deans List for academic achievement. In 1989, he successfully passed the certified public accountant’s exam. He was awarded his Juris Doctorate degree from ASU in 1990, graduating with honors and receiving special honors as a member of the International Moot Court Team. Mr. Threet was admitted to the Arizona State Bar Association and the United States District Court, District of Arizona in October,...
Ms. Rebecca A. Reed
Claimed Lawyer ProfileSocial Media
Pima County, AZ Real Estate Law Lawyer with 14 years experience
(520) 884-0024 3573 East Sunrise Drive
Suite 125
Tucson, AZ 85718
Real Estate, Business and Energy
University of Arizona
I represent businesses and individuals, handle legal issues, and facilitate business and real estate deals in: - Sales, acquisitions, leasing and ground-leasing - Solar energy facility development (ground leasing, PPAs) - Non-disclosure and confidentiality agreements - Business and real estate transactions - Real estate development - Business agreements and trademark matters - Employment issues and conflicts - General Counsel Services for Businesses
Hunter Lewis
Claimed Lawyer Profile
Navajo County, AZ Real Estate Law Attorney with 6 years experience
(928) 536-3001 970 S Main St., Ste. A
Snowflake, AZ 85937
Real Estate, Business and Criminal
Widener University Commonwealth Law School
Clint S. Dunaway
Claimed Lawyer ProfileSocial Media
Maricopa County, AZ Real Estate Law Attorney with 8 years experience
(480) 246-8033 3707 E. SOUTHERN AVE.
MESA, AZ 85206
Free ConsultationReal Estate and Immigration
University of Dayton
Clint Dunaway, Esq. received a Bachelor of Arts in Political Science from Brigham Young University in 2005. He then earned a Juris Doctorate from the University Of Dayton School Of Law in 2010. During law school Mr. Dunaway was an active member of the J. Reuben Clark Law Society Student and served on its national Student Chapter Board's Membership, Technology, and Finance committee. Since graduating from Law School, Mr. Dunaway has been admitted to the Arizona state bar, the United States tax court, and the United Stated District Court, District of Arizona. Additionally, Mr. Dunaway is an active member...
Steven Janssen
Claimed Lawyer Profile
Maricopa County, AZ Real Estate Law Lawyer with 17 years experience
(602) 252-9937 5622 W. Glendale Ave.
Glendale, AZ 85301
Real Estate, Business, Estate Planning and Probate
University of San Diego School of Law
Steven Janssen has been practicing law since 2002 and has extensive experience with trusts, wills, estate planning, business law, contracts and real estate. Steve is an Arizona native who lives in the West Valley with his wife and children. In addition to his dedication to his clients, Steve is involved in his church and the West Valley.
Robert Pecharich
Claimed Lawyer Profile
Yavapai County, AZ Real Estate Law Lawyer with 45 years experience
(928) 445-0122 125 N Granite St
Prescott, AZ 86301
Real Estate, Business, Health Care and Municipal
James E. Rogers College of Law, University of Arizona
Rob has practiced law in Prescott and Yavapai County since 1974. His practice focuses on representation of businesses and governmental entities. Rob graduated from Northern Arizona University with a bachelor’s degree in Political Science in 1971 and earned a juris doctor degree from the University of Arizona College of Law in 1974. Rob has practiced with the law firm of Boyle, Pecharich, Cline, Whittington & Stallings since 1974.
Erin H. Walz
Claimed Lawyer Profile
Maricopa County, AZ Real Estate Law Lawyer with 22 years experience
(480) 461-5379 1138 North Alma School Road
Suite 101
Mesa, AZ 85201
Real Estate, Appeals, Business and Education
Michigan State University College of Law
I am a litigation attorney practicing since 1996. I represent schools and school districts in administrative and court proceeding, including student discipline, employee discipline and dismissal and special education hearings. I also represent business entities in a variety of civil litigation, including commercial contracts and partnership and corporate disputes and dissolutions. I am admitted to practice before the Arizona, Illinois and Michigan state courts, and the federal courts. My trial experience includes state and federal courts trials and appellate courts, as well as state supreme courts.
Beth Cohn
Claimed Lawyer ProfileSocial Media
Maricopa County, AZ Real Estate Law Lawyer
(602) 248-1030 3200 N. Central Ave.
Suite 2000
Phoenix, AZ 85012
Real Estate, Estate Planning and Tax
Arizona State University and Certified Specialist, Tax Law, AZ Board of Legal Specialization
Beth S. Cohn, after practicing in a small boutique tax and commercial practice, joined Jaburg & Wilk in 1995. As both a Tax Specialist certified by the State Bar of Arizona - Arizona Board of Legal Specialization and a Certified Public Accountant, she has expertise in business and real estate transactions as well as tax planning for businesses and their owners. She has represented clients from the start-up phase of their business to growing into multi-million dollar companies. These are long time clients and Beth has been an integral part of that growth. She has assisted them with mergers, acquisitions...
Carl R Sammartino
Claimed Lawyer Profile
Pima County, AZ Real Estate Law Lawyer
(520) 623-5466 340 N. Main Ave.
Tucson, AZ 85701
Free ConsultationReal Estate, Appeals and Municipal
University of Arizona
CARL R. SAMMARTINO graduated in 2002 from the University of Michigan with a Bachelor of Arts in Political Science; in 2006 he received his Juris Doctor from the University of Arizona. He joined Stubbs & Schubart, P. C., in 2008.
James L. Pak
Claimed Lawyer ProfileSocial Media
Maricopa County, AZ Real Estate Law Lawyer with 21 years experience
(480) 444-9999 8930 E. Raintree Dr.
Suite 100
Scottsdale, AZ 85260
Free ConsultationReal Estate, Business and Personal Injury
Gonzaga University School of Law and University of Washington School of Law
Jeffrey A Schoen
Claimed Lawyer ProfileSocial Media
Maricopa County, AZ Real Estate Law Attorney with 32 years experience
(480) 820-4505 333 North Dobson Road, Suite 5
CHANDLER, AZ 85224-4412
Real Estate, Business, Construction and Estate Planning
Arizona State University
David Lee Allen
Claimed Lawyer ProfileSocial Media
Maricopa County, AZ Real Estate Law Attorney with 42 years experience
(602) 248-1082 3200 N. Central Ave.
Suite 2000
Phoenix, AZ 85012
Real Estate
Pepperdine University School of Law
My practice has spanned more than 35 years, representing both individuals and large institutional clients, in both litigation and transactional matters, with an emphasis on real estate and business related matters. I actively practice law in both Arizona and California. Additionally, I am an Arizona licensed real estate broker.

Prior to joining Jaburg Wilk in 2007, I founded and managed his own law firm in Beverly Hills, California, and later served as in-house counsel for a multi-faceted real estate company located in Scottsdale, Arizona.

Legal services are not always affordable. I take pride in working closely with...
Elizabeth McFarland
Claimed Lawyer Profile
Yavapai County, AZ Real Estate Law Lawyer with 26 years experience
(928) 284-0899 60 Bell Rock Plaza
Sedona, AZ 86351
Real Estate, Appeals, Business and Estate Planning
Georgetown University Law Center
Ms. McFarland's mission is to serve Sedona and the Verde Valley with experience and integrity. Since 2002, she has provided complete client service in the areas of estate planning, business law, real estate, and appellate practice. Ms. McFarland entered private practice in 1993. From 1993 through 2001, she worked with firms in Washington, D.C., Los Angeles, and Santa Barbara, California, primarily focusing on complex, commercial trial and appellate work in state and federal courts across the nation. Ms. McFarland's practice included disputes about employment contracts, partnership agreements, commercial leases, joint ventures, 10b(5) securities litigation, shareholder derivative actions, compliance with the Investment Company Act of 1940,...
Lawrence Schubart Lawrence Schubart
Claimed Lawyer Profile
Pima County, AZ Real Estate Law Lawyer
(520) 623-5466 340 N Main Ave
Tucson, AZ 85701
Free ConsultationReal Estate
Villanova University School of Law
Douglas K Cook
Claimed Lawyer ProfileSocial Media
Maricopa County, AZ Real Estate Law Attorney with 48 years experience
(480) 461-4660 40 N. Center St. #110
Mesa, AZ 85201
Real Estate, Business, Elder and Estate Planning
University of Utah
Board certified specialist in taxation handling estate planning, business, real estate, and other tax law-related matters.
William Whittington
Claimed Lawyer Profile
Yavapai County, AZ Real Estate Law Attorney with 38 years experience
(928) 445-0122 125 N Granite St
Prescott, AZ 86301
Real Estate, Business, Estate Planning and Probate
James E. Rogers College of Law, University of Arizona
Bill has practiced law in Prescott and Yavapai County since 1981. His practice focuses on representation of businesses and governmental entities. Bill earned a juris doctor degree from the University of Arizona College of Law in 1981. Bill joined the law firm of Boyle, Pecharich, Cline, Whittington & Stallings in 1981.
Carolyn Tatkin
Claimed Lawyer Profile
Maricopa County, AZ Real Estate Law Lawyer
(602) 277-8449 40 N. Central Ave.
Suite 1400
Phoenix, AZ 85004
Real Estate, Bankruptcy and Business
Cleveland-Marshall College of Law
We are a full service law firm with a focus in the areas of personal and business bankruptcies including Chapter 7, Chapter 11, and Chapter 13. We also provide a full range of legal services to businesses.
Bert D. Millett
Claimed Lawyer Profile
Maricopa County, AZ Real Estate Law Attorney
(480) 655-7440 1930 N Arboleda Rd
Ste 201
Mesa, AZ 85213
Real Estate and Business
Arizona State University
Bert focuses his practice primarily on business law, real estate law and contract issues. He prides himself on his ability to advocate effectively for his clients with an eye for detail and precision in the matters he handles. Bert is dedicated to giving each one of his clients the type of personal attention and service they expect.
Brian Harlow
Claimed Lawyer ProfileSocial Media
Pima County, AZ Real Estate Law Attorney with 20 years experience
(520) 352-0008 4007 E. Paradise Falls Drive
Suite 212
Tucson, AZ 85712
Real Estate, Business, Estate Planning and Foreclosure Defense
Michigan State University
Business law attorney specializing in business transactions, to include supply and vendor contracts, manufacturing and distribution contracts, commercial and residential lease transactions, intellectual property protection, strategic business development consulting, corporate structure and governance and business succession planning. Practice also incorporates commercial litigation and estate planning. I work hand in hand with my clients to identify and assess the legal risks associated with all business transactions and implement strategic initiatives to accomplish identified business objectives.
Eugene M. Kadish
Claimed Lawyer ProfileSocial Media
Maricopa County, AZ Real Estate Law Lawyer with 51 years experience
(480) 967-2688 4647 N. 32nd Street
Suite 135
Phoenix, AZ 85018
Real Estate, Business, Estate Planning and Probate
University of Chicago
Mr. Kadish assists individuals and businesses with a wide range of Business and Real Estate matters. He has helped organize and form dozens of business startups, including LLC's, corporations and limited partnerships. Mindful of saving time and money for his clients, Mr. Kadish promotes resolving disputes through negotiated settlements instead of litigation. In addition to serving his business clients, Mr. Kadish has extensive experience negotiating, documenting, and closing real estate transactions, both simple and complex. Mr. Kadish is often called upon to counsel with fellow lawyers, escrow officers, and other real estate professionals concerning complicated real estate transactions....
Daniel Miranda
Claimed Lawyer Profile
Maricopa County, AZ Real Estate Law Attorney with 16 years experience
(480) 719-8482 633 E. Ray Road #106
Gilbert, AZ 85296
Real Estate, Business, Collections and Construction
Since 2003 Daniel Miranda has been helping his clients maneuver through complex legal situations arising in their business, commercial real estate and construction matters. As a commercial trial attorney, Mr. Miranda provides counsel and advice in evaluating the risks and rewards of litigation in the context of the overall business mission. Having litigated commercial disputes, he also helps his clients avoid common pitfalls in entering business contracts. He has significant experience in representing clients in partnership disputes, business dissolutions, commercial real estate disputes, construction actions, unfair competition matters, asset planning and risk management for non-profit corporations and general business transactions,...
Taylor House
Claimed Lawyer ProfileSocial Media
Maricopa County, AZ Real Estate Law Attorney with 6 years experience
(480) 422-4991 402 E Southern Ave
Tempe, AZ 85282
Real Estate, Divorce, Estate Planning and Family
James E. Rogers College of Law, University of Arizona
Russell Krone
Claimed Lawyer Profile
Maricopa County, AZ Real Estate Law Attorney with 24 years experience
(602) 258-4559 2400 East Arizona Biltmore Circle, Building One
Suite 1140
Phoenix, AZ 85016
Real Estate, Arbitration & Mediation, Business and Construction
University of Arizona
Russell's practice focuses on the needs of businesses and individuals in the areas of commercial/business law, real property and land use law and construction law.
Lawrence Wilk
Claimed Lawyer ProfileSocial Media
Maricopa County, AZ Real Estate Law Attorney
(602) 248-1008 3200 N. Central Ave.
Suite 2000
Phoenix, AZ 85012
Real Estate and Bankruptcy
Indiana University Maurer School of Law
Get To Know Larry In His Own Words "I create a relationship of trust and confidence. Clients know I'm there for them and that I have a genuine interest not only in their case but also in them." "The practice of law is like a chess game. I enjoy analyzing a problem and then attempting to form a solution by anticipating the opposing party's strategy and responding accordingly-but always with reaching our client's goals in mind."
David P Gordon
Claimed Lawyer Profile
Yavapai County, AZ Real Estate Law Attorney
(928) 649-8609 850 Cove Pkwy
Suite A
Cottonwood, AZ 86326
Real Estate, Business, Collections and Construction
David P. Gordon grew up in Camp Verde, Arizona. He is a graduate of Northern Arizona University. David Gordon received his law degree from Western New England College of Law in Springfield, Massachusetts in 2000. Prior to forming Gordon & Gordon, PLLC, David Gordon worked for the law firm of Boyle, Pecharich, Cline, and Whittington, PLLC in Prescott, Arizona, then as a prosecutor for the Maricopa County Attorney’s office, and finally as assistant attorney for the City of Glendale. Practice Areas: Criminal Law; Real Estate; Municipal Law; Business Law; Contracts; Zoning; Education Law; Litigation; Construction law; Juvenile...
Thomas S. Moring
Claimed Lawyer ProfileSocial Media
Maricopa County, AZ Real Estate Law Lawyer with 17 years experience
(602) 248-1000 3200 N. Central Avenue Suite 2000
Phoenix, AZ 85012
Real Estate, Arbitration & Mediation, Business and Legal Malpractice
James E. Rogers College of Law, University of Arizona
Tom Moring’s practice emphasizes complex real estate and commercial disputes, creditor’s rights, tort litigation and collections matters. Mr. Moring has extensive experience in managing and performing all aspects of litigation from initial investigation through discovery to trial. During the real estate downturn, Mr. Moring began helping lenders and owners of real property navigate the short sale and foreclosure process, including helping negotiate alternatives to protect the interests of his clients.

Throughout Mr. Moring’s career, he has been involved in a wide variety of civil litigation matters, most as lead counsel. Among Mr. Moring’s many career highlights:

-Acted as lead counsel in...
Jeremy Goodman
Claimed Lawyer Profile
Maricopa County, AZ Real Estate Law Lawyer with 11 years experience
(602) 476-1114 PO Box 90758
Phoenix, AZ 85066
Real Estate, Bankruptcy, Foreclosure Defense and Landlord Tenant
The Thomas M. Cooley Law School
David Brnilovich
Claimed Lawyer Profile
Maricopa County, AZ Real Estate Law Lawyer with 39 years experience
(623) 878-2222 16150 N. Arrowhead Fountain Center Drive Suite 250
Peoria, AZ 85382
Real Estate, Business, Construction and Estate Planning
University of Pittsburgh School of Law
Mr. Brnilovich established roots in the western part of the Phoenix metropolitan area (referred to as the “West Valley”) in 1979 and has been representing the area’s businesses and individuals for more than 30 years. He has substantial legal experience advising business clients in the areas of real estate, construction, corporate governance, small business formation, dissolution, purchases and asset sales. Mr. Brnilovich’s representation of individuals includes the drafting of wills and trusts, probate, trust administration, will contests, and trust litigation. His clients range from large national companies to small start-ups in a wide range of industries, such...
William Cleaveland
Claimed Lawyer Profile
Maricopa County, AZ Real Estate Law Attorney
(480) 227-8746 1855 East Southern Avenue
Suite 103
MESA, AZ 85204
Real Estate, Appeals, Arbitration & Mediation and Business
Arizona State University
Brian Locker
Claimed Lawyer ProfileSocial Media
Maricopa County, AZ Real Estate Law Lawyer
(480) 788-9911 1201 S. Alma School Rd.
Suite 12750
Mesa, AZ 85210
Real Estate, Business, Construction and Landlord Tenant
Liberty University School of Law
Some of my experiences include working at the Maricopa County Attorney’s Office, where I assisted in depositions, discovery matters and trial preparation. While in law school, I competed in the Federal Bar Association Moot Court Tournament. Also, my skills in negotiation were recognized by the American Bar Association as Negotiations Competition Regional Champion and was ranked as one of the top 20 student negotiators, two years in a row. Credentials In addition to my active student body life on the negotiations front, I received my bachelor’s degree in Political Science from Arizona State University in 2007 and went on...
Marc McCain
Claimed Lawyer ProfileSocial Media
Maricopa County, AZ Real Estate Law Lawyer
(602) 604-2138 4300 N. Miller Rd., Suite 250
Scottsdale, AZ 85251
Real Estate and Personal Injury
Marc McCain has lived in the Phoenix area since 1978. He attended Arizona State University where he studied business finance and graduated with highest honors in 1991. After graduating from ASU he worked as a financial analyst with a local litigation consulting firm until he decided to follow his true passion to study law at Arizona State University College of Law. Marc graduated from law school with honors in 1995 and has been practicing in the Phoenix area since that time. In 1999, Marc co-founded McCain & Bursh PLC, Attorneys at Law with his fellow ASU graduate, Darius Bursh.
Noel J Hebets
Claimed Lawyer Profile
Maricopa County, AZ Real Estate Law Attorney with 42 years experience
(480) 488-4889 127 E 14th Street
Tempe, AZ 85281
Real Estate
John P. Welty
Claimed Lawyer Profile
Maricopa County, AZ Real Estate Law Attorney
(602) 368-8167 940 E Marconi Avenue
Phoenix, AZ 85022
Real Estate, Bankruptcy, Business and Estate Planning
University of Minnesota Law School
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Buying, selling, or renting property?

Real estate refers to land, as well as anything permanently attached to the land, such as buildings and other structures, and covers more than just the drafting of contracts for the purchase and sale of property. Both federal and state laws regulate real estate transactions. The Federal Fair Housing Act, for example, prohibits discrimination in real estate transactions on account of race, color, religion, sex, or national origin. Many states have enacted similar legislation that prohibits discrimination on the basis of certain characteristics.

Attorneys in this field may handle leasing issues, landlord-tenant disputes, eviction proceedings and homeowner association (HOA) problems. Other matters within this practice area include title disputes, mortgages, covenants, easements, and equitable servitudes. Many real estate issues can affect both commercial and individual renters and landlords. Real estate lawyers who represent commercial interests may also focus on land use, zoning, environmental law, or eminent domain issues.

Some states provide a certification for lawyers who have demonstrated experience and competency in the practice of real estate law. These attorneys must meet certain educational, experience, and examination requirements to receive the certification as a specialist.


Deed: The legal document that transfers the ownership of real property from one party to another.

Mortgage: A mortgage is a document signed by a borrower when a loan is made that gives the lender a right to take possession of the property if the borrower fails to repay the loan.