Queens County, New York Real Estate Lawyers

Daniel E. Katz
PREMIUM

Determined and Experienced Real Estate Law Attorney! Exceptional Representation!

I am a dedicated and skilled real estate lawyer. I will fight for your rights and interests in real estate law matters. Visit my website for more information and to see past case results, call for a consultation.
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Daniel A. Singer
PREMIUM

New York Real Estate Law Attorney with 15 years experience

Benjamin N. Cardozo School of LawNew Jersey and New York
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Katherine Zalantis
PREMIUM

Skilled & Experienced Real Estate Lawyer! Dedicated to Your Rights & Interests!

I am committed to excellent advocacy in all areas of real estate law. I provide substantial experience and skill to successfully resolve your real estate matters. Visit my website for results or call for a consultation.
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Andrea Catalina
PREMIUM

New York Real Estate Law Lawyer

Pace Law SchoolNew York
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George Konstantinos Fuiaxis
Claimed Lawyer ProfileSocial Media
Queens County, NY Real Estate Law Attorney with 17 years experience
(718) 777-0223 32-02 30th Avenue
Suite 200
Astoria, NY 11102
Real Estate, Business, Estate Planning and IP
Fordham University School of Law
The Law Office of George K. Fuiaxis has built a reputation with its clients as unmatched, diligent, hands on attorneys who are always on duty. With our supreme pledge of exceptional service to our clients in the areas of Real Estate (Commercial & Residential), Corporate Law, Business Transactions, Wills, Trusts & Estates, the Law Office of George K. Fuiaxis creates solutions for the problems faced by its clients. Our office represents several various clients, including well known lending institutions, foreign and domestic corporations, sellers and buyers of residential and commercial real estate.
Mr. Roman Aminov
Claimed Lawyer ProfileQ&ABlawgsearchSocial Media
Queens County, NY Real Estate Law Attorney with 7 years experience
(347) 766-2685 147-17 Union Turnpike
Flushing, NY 11367
Free ConsultationReal Estate, Elder, Estate Planning and Probate
St. John's University School of Law
The Law Offices of Roman Aminov is a client centric trusts and estates practice concentrating in estate planning, elder law, and probate. We handle the drafting of wills, powers of attorney, health care proxies, and trusts of all types. Mr. Aminov's expertise lies in being able to sit down with a client and properly ascertain their current situation and plan the most effective way forward. He has successfully implemented estate plans in high net worth individuals and middle income clients with complicated family situations. Mr. Aminov also helps elderly clients structure their estates to qualify for Medicaid. Allow us to...
Yuriy Mava
Claimed Lawyer ProfileSocial Media
Queens County, NY Real Estate Law Attorney with 4 years experience
(646) 630-9092 87-10 Northern Blvd
Suite 212
Jackson Heights, NY 11372
Free ConsultationReal Estate, Business, Construction and Landlord Tenant
Touro College Jacob D. Fuchsberg Law Center
Yuriy is an innovative real estate transactional attorney specializing in residential and commercial real estate, leasing, construction and development and investment ventures with a particular emphasis on large commercial acquisitions, sales and financings. Yuriy has extensive experience providing legal counsel to clients concerning the formation, acquisition, financing, development, sale, and leasing across all types of real estate asset classes. In addition, Yuriy has established joint ventures and other strategic partnerships for his clients, including real estate developers, owners, investors and corporate clients. Yuriy has negotiated and drafted commercial leases with nationally recognized tenants and publicly traded companies.

Yuriy’s practical approach to...
Janet Fashakin
Claimed Lawyer Profile
Queens County, NY Real Estate Law Lawyer with 28 years experience
(718) 805-2522 105-22 Jamaica Avenue
Richmond Hill, Queens, NY 11418
Free ConsultationReal Estate, Divorce, Foreclosure Defense and Immigration
Benjamin N. Cardozo School of Law and Obafemi Awolowo University, Ile-Ife, Nigeria.
Janet Fashakin is a seasoned attorney of over two decades, a journey that started in Africa in 2000 church. She received her bachelors in law from the prestigious Obafemi Awolowo University in Nigeria, She proceeded to receive her Masters in Law from Yeshiva University, Cardozo School of Law in New York. She embarked on her doctorate studies at Walden University in Baltimore, USA, where her dissertation focuses on the "Challenges faced by the African American Women upon their release after serving their terms."
Bar Admissions: The Supreme Court of Nigeria;
The Supreme Court of New York State 2nd...
Rafael Ariel Poltielov
Claimed Lawyer ProfileSocial Media
Queens County, NY Real Estate Law Attorney with 6 years experience
(718) 520-0085 118-21 Queens Boulevard
Suite 603
Forest Hills, NY 11375
Free ConsultationReal Estate, Business, Foreclosure Defense and Personal Injury
Touro College
Elazar Aryeh
Claimed Lawyer ProfileSocial Media
Queens County, NY Real Estate Law Lawyer with 26 years experience
(718) 261-0210 11020 71st Rd
Queens, NY 11375
Real Estate, Immigration, Medical Malpractice and Personal Injury
Hofstra University
Elazar Aryeh, the Senior Attorney at the Law Offices of Elazar Aryeh, PC., is a seasoned attorney practicing law for over 20 years, and has litigated cases both in the State and Federal Courts of the State of New York. Throughout the years, Elazar Aryeh has successfully represented thousands of clients and has procured millions of dollars on behalf of individuals, businesses, corporations and banking institutions. Elazar Aryeh has broad experience in matters involving personal injuries sustained as a result of Motor Vehicle Accidents, Trip & Falls, Construction Accidents and Medical Malpractice, as well as having...
George Howard Dippel
Claimed Lawyer ProfileSocial Media
Queens County, NY Real Estate Law Lawyer with 37 years experience
(718) 229-1505 42-40 Bell Blvd
Suite 300
Queens, NY 11361
Free ConsultationReal Estate, Business, Estate Planning and Probate
Cornell University
The Law Office of George H. Dippel provides high quality legal services in the areas of wills, probate, trusts and estates, real estate closings (house, co-op, condo), business sales and purchases, incorporation of businesses, health care proxies and power of attorney. We are committed to providing the highest level of one-on-one personalized service to every client. Each matter is of the utmost importance to us and receives individual attention and expert care. Utilizing his extensive knowledge and decades of experience, Mr. Dippel has provided thousands of clients throughout Queens, Brooklyn, Bronx, Manhattan, Staten Island, Long Island and...
George C. Grasso Esq.
Claimed Lawyer ProfileSocial Media
Queens County, NY Real Estate Law Attorney with 5 years experience
(347) 821-3241 25-02 Francis Lewis Blvd.
Flushing, NY 11358
Free ConsultationReal Estate, Construction, Criminal and DWI
The City University of New York School of Law
Zealous, aggressive, and effective advocacy - constantly striving to achieve the best results and peace of mind for every single client.
Monet Stephanie Binder
Claimed Lawyer Profile
Queens County, NY Real Estate Law Attorney with 20 years experience
(718) 514-7575 61-43 186th Street
Fresh Meadows, NY 11365
Free ConsultationReal Estate, Elder, Estate Planning and Probate
Touro Law Center and Touro College Jacob D. Fuchsberg Law Center
My passion is helping individuals and families achieve peace of mind, by developing and implementing customized, well-structured and comprehensive plans. As part of my family oriented estate planning process, I have an initial meeting with every client, so I can clearly understand their needs and intentions. At that meeting, I use my legal experience, of over 20 years in practice, to inform my clients about how their estate planning documents will advance their cherished family goals.

This thoughtful and caring guidance is given in plain English, so my clients know what they need to do, in order ensure that their...
John Chul-joon Kim
Claimed Lawyer ProfileSocial Media
Queens County, NY Real Estate Law Lawyer with 19 years experience
(718) 539-1100 163-10 Northern Boulevard
Suite 201
Flushing , NY 11358
Free ConsultationReal Estate, Bankruptcy, Divorce and Foreclosure Defense
Boston University School of Law
John C. Kim was born in Seoul, South Korea and immigrated to the United States in 1971 as a five year old. Brought up by business owning parents in Baltimore, Maryland, he is proudly both Korean and American, embracing the best of both worlds. As a seasoned, respected attorney for nearly 20 years who handles cases across multiple practices areas that focus on debt resolution and dispute resolution for individuals and businesses, he has practiced in New York City since 1999, across all the boroughs of New York City and in Federal Courts in New Jersey. The firm Mr. Kim...
Sarah J. Cafran
PREMIUM

New York Real Estate Law Attorney

Pace Law SchoolMassachusetts, New Hampshire, New Jersey and New York
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Diane Mall Sammarco
PREMIUM

New York Real Estate Law Lawyer with 19 years experience

Brooklyn Law School and Binghamton UniversitNew York
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Robert Unger
Claimed Lawyer Profile
Queens County, NY Real Estate Law Attorney with 38 years experience
(718) 263-1111 118-35 Queens Blvd
Forest Hills, NY 11375
Real Estate, Business, Construction and Consumer
Fordham University School of Law
The firm has been in business for 4 decades. Recently we partnered with another trial lawyer in the practice to aggressively press those high stakes cases needing a verdict by either jury or judge. Our clients are very happy with our responsiveness and our communication. The law practice is a busy and demanding field, but we pride ourselves in not taking so many cases so that our clients do not suffer and hear from us regularly. Our mantra has been to take quality cases that we are able to fully manage. We see other firms being drowned by a volume...
Sunjae Lee
Claimed Lawyer ProfileQ&A
Queens County, NY Real Estate Law Lawyer
(718) 539-1100 163-10 Northern Blvd. Suite 201
Flushing, NY 11358
Free ConsultationReal Estate, Bankruptcy, Divorce and Immigration
R. David Ades
Claimed Lawyer Profile
Queens County, NY Real Estate Law Attorney with 25 years experience
(718) 487-3303 118-21 Queens Blvd., Ste. 509
Forest Hills, NY 11375
Real Estate, Business, Criminal and Landlord Tenant
Benjamin N. Cardozo School of Law
R. David Ades graduated from Benjamin N. Cardozo School of Law and began his legal career handling all areas of corporate law, real estate transactions and commercial transactions. David also gained extensive experience in representing clients in court on personal injury and civil litigation matters. He was associated with an insurance coverage and defense firm for over ten years and is well versed in insurance law disputes. Other areas of law with which he has been involved include landlord/tenant and foreclosure defense.

In addition to his legal practice, David graduated from Columbia University with a degree in history and has had...
Shane Dwight Scott
Claimed Lawyer ProfileLII GoldSocial Media
Queens County, NY Real Estate Law Attorney
(800) 230-0744 155-03 Jamaica Ave
Jamaica, NY 11432
Real Estate, Immigration and Personal Injury
New York Law School
Giovanni Silvagni
Claimed Lawyer Profile
Queens County, NY Real Estate Law Lawyer with 18 years experience
6631 Freshpond Road
Ridgewood (Queens), NY 11385
Real Estate, Elder, Estate Planning and Probate
Giovanni P. Silvagni is the founding partner of the Law Firm of Silvagni and Como, Attorneys At Law. The son of Italian immigrants, he was born and raised in Queens, NY. He attended St. John's University School of Law where he graduated with honors in 1999. He practices in the areas of Elder Law, Estate Planning, Medicaid Planning, Probate and Real Estate. The firm has 3 offices located conveniently throughout Brooklyn, Queens and Manhattan and also offers out of office visits. Our attorneys speak fluent Italian and conversational Spanish. Free Initial Consultation.
Steven Ben Gordon
Claimed Lawyer ProfileLII GoldSocial Media
(718) 989-5751 34-18 Northern Blvd
#213
Long Island City, NY 11101
Free ConsultationQueens County, NY Real Estate Law Attorney with 22 years experience
Real Estate, Elder and Landlord Tenant
California Western School of Law
Ira Cooper
Claimed Lawyer Profile
Queens County, NY Real Estate Law Lawyer with 43 years experience
(718) 793-1311 80-02 Kew Gardens Rd #300
Queens, NY 11415
Real Estate, Collections, Estate Planning and Landlord Tenant
Hofstra University
Ira Cooper graduated from Hofstra Law School and was admitted to the New York Bar in 1975. In addition to his 40 years practicing as an attorney in New York, Mr. Cooper has distinguished himself as a leader in Landlord & Tenant Litigation having formerly acted as the President of the Housing Court Bar Association. Mr. Cooper has also been a Lecturer at the New School for Social Research; a Member of the Civil Court Committee of the New York City Bar Association; a Member of the Landlord/Tenant Committee of the New York State Bar Association; and a Lecturer...
Mitchell M Hecht
Claimed Lawyer ProfileSocial Media
Queens County, NY Real Estate Law Lawyer
(800) 916-3467 1610 Caffrey Avenue
4B
Far Rockaway, NY 11691
Free ConsultationReal Estate, Landlord Tenant and Probate
Benjamin N. Cardozo School of Law
Elana Ades
Claimed Lawyer Profile
Queens County, NY Real Estate Law Lawyer
(718) 487-3303 118-21 Queens Blvd., Ste. 509
Forest Hills, NY 11375
Free ConsultationReal Estate, Business, Immigration and Traffic Tickets
Brooklyn Law School
Elana graduated from Brooklyn Law School in 1996. In addition to her high honors as a student, her academic achievements include membership in the Moot Court Honor Society and Regional Semi-Finalist in The Texas Young Lawyers Association.

Elana began her private practice in the year 2000 helping clients with immigration issues, matrimonial matters and traffic offenses. She has appeared on numerous occasions before the USCIS on deportation and adjustment of status actions.

Elana is a member of the Queens County Bar Association. She obtained her undergraduate degree at New York University, Cum Laude with degrees in political science and...
Richard Michael Levy
Claimed Lawyer Profile
Queens County, NY Real Estate Law Lawyer with 40 years experience
(800) 270-1121 219-43 Jamaica Avenue
Queens Village, NY 11428
Free ConsultationReal Estate, Business and Personal Injury
New York Law School
Joseph Andrew Gershman
PREMIUM

Skilled & Dedicated Legal Representation for Your Complex Real Estate Matters!

I am an experienced and knowledgeable real estate attorney. I am committed to aggressive representation for all of your complex real estate needs! Visit my website for verdicts and settlements, call for a consultation.
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Trista L. Watson
PREMIUM

Dedicated Real Estate Attorney! Aggressive and Knowledgeable! Call Now!

I am an experienced and skilled New York real estate attorney. I offer exceptional service and advocacy in all areas of real estate law. Visit my website to see case verdicts and settlements. Call for a consultation.
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Richard Howard Stein
Claimed Lawyer Profile
Queens County, NY Real Estate Law Attorney with 37 years experience
(718) 847-4000 86-52 Woodhaven Blvd
Queens, NY 11421
Free ConsultationReal Estate, Criminal, DWI and Probate
I have over thirty (30) years experience in all aspects of criminal law, real estate, wills and estates. I offer free consultations. 24 hour emergency service is available.
David Reich
Claimed Lawyer Profile
Queens County, NY Real Estate Law Lawyer with 27 years experience
(917) 533-1621 72-10 136th St.
Flushing, NY 11367
Real Estate, Business, Estate Planning and Probate
Over 27 years of experience in business, financial services, real estate, health care and various business development projects and ventures. Extensive background in Accounting, Governmental Affairs, Regulatory Compliance, Mergers & Acquisitions, Data Privacy and Risk Management.
Albert Cohen
Claimed Lawyer ProfileSocial Media
Queens County, NY Real Estate Law Attorney with 16 years experience
(718) 275-7779 104-70 Queens Blvd Suite 312
Forest Hills, NY 11375
Real Estate, Estate Planning and Personal Injury
Martin Allan Pollak
Claimed Lawyer ProfileSocial Media
Queens County, NY Real Estate Law Lawyer with 42 years experience
(718) 229-1904 214-08 41st Ave.
Queens, NY 11361
Real Estate, Divorce, Estate Planning and Probate
New York Law School
If you are on the hunt for a Queens lawyer, you have found just the law office for you!! At Pollak & Slepian law firm, your case can receive the attention it requires. Attorney Jack I. Slepian obtained his Bachelor of Science degree from Brooklyn College and his Juris Doctorate at New York Law School. He is a member of the New York State Bar and the American Bar Association. Attorney Martin A. Pollak received his Bachelor of Arts degree at Queens College of the City University of New York. He obtained his Juris Doctorate from New York Law School...
Edward Vitale
Claimed Lawyer Profile
Queens County, NY Real Estate Law Lawyer with 19 years experience
(516) 628-6200 108-18 Queens Blvd, Suite 402
Forest Hills, NY 11375
Real Estate, Business, Foreclosure Defense and Landlord Tenant
Benjamin N. Cardozo School of Law
Barry Carl Weiss
Claimed Lawyer Profile
Queens County, NY Real Estate Law Attorney with 40 years experience
(800) 696-9529 125-10 Queens Blvd
#218
Kew Gardens, NY 11415
Real Estate, Construction, Criminal and DWI
Alejandro Nieto
Claimed Lawyer ProfileSocial Media
Queens County, NY Real Estate Law Lawyer with 18 years experience
(347) 448-8530 5 Court Square
Long Island City, NY 11101
Real Estate and Immigration
St. John's University School of Law
Bernadette Marie Crowley
Claimed Lawyer Profile
Queens County, NY Real Estate Law Attorney with 23 years experience
(718) 423-5500 42-24 235th St
Douglaston, NY 11363
Real Estate, Elder and Estate Planning
Isaac Abraham
Claimed Lawyer Profile
Queens County, NY Real Estate Law Attorney
(646) 397-9529 118-35 Queens Blvd Suite 1205
Forest Hills, NY 11375
Real Estate, Criminal, DWI and Traffic Tickets
Touro College and The City University of New York School of Law
Since 2010, Isaac Abraham have been helping motorists fight speeding tickets, suspended licenses, DWI offenses and all other traffic violations in NY state. Call Isaac for a free consultation today.
Simon Bardizbanian
Claimed Lawyer Profile
Queens County, NY Real Estate Law Lawyer with 19 years experience
(718) 487-4468 135-24 Hillside Avenue
Richmond Hill, NY 11418
Real Estate, Arbitration & Mediation, Landlord Tenant and Personal Injury
St Johns School Of Law
Adam C. Wilner
PREMIUM

New York Real Estate Law Lawyer with 19 years experience

Broad legal background with more than 15 years experience in commercial litigation, corporate transactions, real estate law, and estate litigation. Experience providing counsel to private corporations in a... Read More »
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Robert J. Howard
PREMIUM

New York Real Estate Law Lawyer with 19 years experience

Touro CollegeU.S. Court of Federal Claims, U.S. District Court, Eastern District of New York, U.S. District Court, Southern District of New York and New York
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Sherri S Kosches
Claimed Lawyer Profile
Queens County, NY Real Estate Law Lawyer with 19 years experience
(347) 526-0515 123-60 83rd Ave
Kew Gardens, NY 11415
Real Estate, Civil Rights and Social Security Disability
St. John's University School of Law
Leslie Stephen Nizin
Claimed Lawyer Profile
Queens County, NY Real Estate Law Attorney with 54 years experience
(718) 263-2411 125-10 Queens Blvd
Kew Gardens, NY 11415
Real Estate, Criminal and DWI
K. David Okoronkwo
Claimed Lawyer Profile
Queens County, NY Real Estate Law Lawyer with 24 years experience
(917) 804-9585 8659 Clio Street
Jamaica Estates, NY 11423
Free ConsultationReal Estate, Criminal and DWI
Howard University School of Law
Edward A Vincent
Claimed Lawyer Profile
Queens County, NY Real Estate Law Lawyer with 9 years experience
(718) 767-3333 19-02 Whitestone Expressway
Suite 302
Whitestone, NY 11357
Real Estate, Appeals, Estate Planning and Foreclosure Defense
University of Kentucky College of Law
Bradley Zelenitz
Claimed Lawyer Profile
Queens County, NY Real Estate Law Lawyer
(718) 532-1111 138-44 Queens Blvd #2
Queens, NY 11435
Real Estate, Business, Criminal and Divorce
My name is Bradley Zelenitz and I am a partner in the NYC law firm of Zelenitz, Shapiro & D'Agostino, P.C. My particular focus at this law firm is assisting clients with Commercial & Civil Litigation Matters, Personal Injury claims, Bankruptcy & Foreclosure avoidance. If you need assistance in Queens, NY., for any legal matter, do not hesitate to call us at (718) 523-1111.
Richard H. Lovell
Claimed Lawyer Profile
Queens County, NY Real Estate Law Lawyer with 37 years experience
(718) 835-9300 107-48 Cross Bay Boulevard
Ozone Park, NY 11417
Real Estate, Criminal, Probate and Traffic Tickets
Russ Nazrisho
Claimed Lawyer Profile
Queens County, NY Real Estate Law Lawyer with 13 years experience
(718) 777-3950 33-19 30th Ave
Queens, NY 11103
Real Estate
Nosson Tzvi Abrams
Claimed Lawyer Profile
Queens County, NY Real Estate Law Lawyer
(646) 937-8330 9906 Metropolitan Avenue
Forest Hills, NY 11375
Real Estate
Ali Shahrestani, Esq.
Claimed Lawyer ProfileQ&ALII GoldSocial Media
Kings County, NY Real Estate Law Lawyer with 11 years experience
(800) 510-3916 41 Flatbush Ave.
Floor 1
Brooklyn, NY 11217
Real Estate, Business, Criminal and Divorce
University of California Hastings College of the Law
Attorney Shahrestani offers intense, intelligent, and attentive legal representation to individual and business clients in high-stakes, high conflict, and time sensitive litigation, negotiation, and transactional matters. Call today to set a Phone Consultation to discuss your concerns: 800-510-3916.

Fluent Spanish, French, Italian, Farsi. Offering legal representation throughout New York, California, Massachusetts, DC, and Washington State.

(1) DIVORCE & CUSTODY: High Conflict Divorce, Custody & Visitation, Restraining Orders, Abduction, Collaborative Divorce, Property Division

(2) EDUCATION LAW: Academic Discipline, Grade Disputes, Fee Disputes, Special Education, Teacher Contracts, Bullying, School Campus Crimes, Academic Freedom, School Misconduct, School Representation

(3) BUSINESS & CONTRACTS: Breach of Contract, Fraud, Legal...
Russel Morgan
Claimed Lawyer ProfileSocial Media
Nassau County, NY Real Estate Law Lawyer
(212) 561-4299 5 Hillcrest Drive
Great Neck, NY 11021
Free ConsultationReal Estate, Elder, Estate Planning and Probate
New York Law School
Our founding member and principal, Russel Morgan has concentrated in commercial and contract litigation, trust and estate planning, business and personal asset protection, wealth preservation and dynasty succession planning. Russel has also assisted clients with all forms of commercial and personal transnational work, including the preparation, re-structuring and litigation of various types of contracts.

Russel Morgan was raised in Brooklyn, New York and has remained loyal to his origins as he graduated from the City University of New York Brooklyn College with a Bachelors degree in Political Science. He continued his legal journey and went on to receive his Juris Doctor...
Ali Shahrestani, Esq.
PREMIUM

Exclusive Representation for Discerning Clients

A recipient of multiple awards, seen on Fox and ABC News, and honored by dozens of client testimonials, Ali Shahrestani offers intense and affordable representation, consistent communications & professional advocacy.
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Megan Gardner
PREMIUM

Dedicated & Skilled Real Estate Attorney! Attentive & Aggressive Advocacy!

I am an experienced and knowledgeable real estate law attorney. I provide exceptional legal representation for your real estate matters. Visit my website to see case settlements and verdicts, or call for a consultation.
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Real Estate Lawyers in Nearby Cities

Queens County Real Estate Legal Aid & Pro Bono Services

Queens Volunteer Lawyers Project, Inc.
(718) 739-4100
Jamaica, NY


AIDS Center of Queens County (ACQC)
(718) 896-2500
Jamaica, NY

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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.