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Joel L. Perrell, Jr.

Joel L. Perrell, Jr.

Joel L. Perrell Jr. is a Principal in the firm's Baltimore office and a corporate and finance restructuring lawyer and litigator. Joel represents diverse clients (debtors, creditors, trustees, committees and other interested parties) in all aspects of bankruptcy cases. He has actively participated in bankruptcy cases, insolvency proceedings, restructurings and workouts throughout the United States involving retail, manufacturing, healthcare, airline, telecommunication, hotel and hospitality, commercial real estate, insurance and other commercial businesses.

Joel has developed an extensive insurance premium finance practice. He represents many of the country's largest insurance premium finance companies in regulatory and compliance matters, in collection and fraud actions, and in all aspects of bankruptcy cases. He also acts as general counsel to the National Premium Finance Association in selected matters of importance to the insurance premium finance industry. To access the National Premium Finance Association information page, click here.

Joel’s experience includes significant commercial collection matters, Uniform Commercial Code Article 9 asset dispositions, and enforcing and executing on judgments in multiple jurisdictions.

Recent representative matters include:

Health Care:

  • Represented health care term loan and revolving credit facility lenders in restructuring of $14 million senior secured term loan facility to seven operators and one owner-operator of skilled nursing facilities, including representation through an Article 9 sale process, a transfer of operations and a foreclosure on real property, and extension of new $12.5 million senior secured term loan facility and $8.5 million asset-based revolving credit facility to new operators.
  • Represented health care lender related to $16 million term loan to two skilled nursing facilities through Chapter 11 proceedings, cash collateral negotiations, intercreditor and operational transfer matters, as well as recovery of the credit facility through a sale process.


  • Represented national lender in contested Chapter 11 bankruptcy case of hotel and hospitality company, including matters related to the continuation of pre-petition receivership post-bankruptcy, the appointment of a Chapter 11 trustee, and the ultimate consensual sale of substantially all property of the estate leading to recovery of multi-million dollar loan.

Insurance Premium Finance:

  • Represented insurance premium finance company with due diligence in acquisition in premium finance space.
  • Represented insurance premium finance company in defense of “wrong payor” fraudulent conveyance and preference litigation.
  • Represented national trade organization in its efforts against proposed legislation detrimental to the insurance premium finance industry.
  • Represented national trade organization as amicus curiae before federal appellate court in preference litigation.

Manufacturing and Distribution:

  • Represented corrugated paper product manufacturer in federal court arbitration proceeding against Article 9 purchaser of assets and obtained judgment against purchaser as a successor entity.
  • Represented international product manufacturer and supplier in cross-border Chapter 15 insolvency proceeding of foreign shipping companies, leading to the stoppage and recovery of goods in transit in various foreign jurisdictions.
  • Represented committee of unsecured creditors in Chapter 11 proceeding of aluminum products manufacturer leading to full recovery of unsecured creditors after voluntary reduction of disputed insider claims.


  • Represented national lender in Chapter 11 bankruptcy proceeding of religious non-profit organization, leading to the consensual restructure of real estate secured loans.
  • Represented regional lender in involuntary bankruptcy proceeding against cyber-consulting company operating as an alleged non-profit, in multiple contested hearings to determine the validity of such filing under the Bankruptcy Code.

Retail and Shopping Center:

  • Represented national lender in Chapter 11 proceeding of retail shopping center leading to the consensual restructure of a multi-million dollar real estate secured loan and restructure of other obligations, as well as priming lien litigation at outset of case filing.


  • Represented committee of unsecured creditors in Chapter 11 proceeding of telecommunications company, leading to the reduction in insider claims, a sale process, and distribution to creditors.
  • Represented specialty lender in pre-packaged bankruptcy proceedings of publicly traded telecommunications infrastructure services providers, where confirmed plan provided for $25 million exit financing and restructure of companies’ obligations including bonds.

Joel joined the firm in 1998. From March 2004 through January 2006, he practiced law as a senior associate in the Litigation Group at Dickstein Shapiro LLP in Washington, D.C., working primarily on bankruptcy and commercial litigation matters. Joel earned undergraduate degrees in International Business and German Language and Literature fro m the University of Maryland at College Park and his law degree with honors fro m the University of Maryland School of Law, where he served as an articles editor of the Maryland Law Review.

Affiliations & Recognition

Professional Involvement

  • Acoustic Neuroma Association: Board of Directors (2010-2018)

  • Attorney Grievance Commission of Maryland: Peer Review Committee

  • The Baltimore Courthouse and Law Museum Foundation, Inc.: Board of Directors

  • The Bar Association of the District of Columbia: Rules of Professional Conduct Review Committee (2007-2009)

  • United States Bankruptcy Court for the District of Maryland: Dispute Resolution Panel

  • University of Maryland: M Club

  • University of Maryland School of Law: Adjunct Faculty; Secured Transactions, Payment Systems, Sales and Sales Financing (2006-2016)


  • Benchmark Litigation: The Guide to America's Leading Litigation Firms and Attorneys; Listed as a Future Star (2011-2019)

  • Best Lawyers in America®: Selected for inclusion in the areas of Litigation - Bankruptcy and Bankruptcy and Creditor Debtor Rights/Insolvency and Reorganization Law (2012-2019)

  • Chambers USA - America's Leading Lawyers for Business: Listed in the areas of Litigation: Bankruptcy and Bankruptcy/Restructuring (2015-2019)

  • M&A Advisor: M&A Sector Deal of the Year Finalist – Technology, Media, Telecom (Between $10mm and $100mm) – Miles & Stockbridge P.C. for the Official Committee of Unsecured Creditors in Sale of Trans National Communications International, Inc. to Blue Casa Telephone, LLC (2013)

  • Maryland Super Lawyers® - Rising Stars Edition: Selected for inclusion in the area of Bankruptcy & Creditor/Debtor Law (2009-2012)

  • Maryland Super Lawyers®: Selected for inclusion in the area of Bankruptcy & Creditor/Debtor Rights (2013-2014); Bankruptcy: Business (2015-2019)


Case Examples

Acquisition of Assets

We represented a local private equity firm, through one of its portfolio companies, in the acquisition of assets of Blue Rave...

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Press Coverage


Speaking Engagements

"Bankruptcy Evidence," Panel Discussion—Bankruptcy Bar Association, District of Maryland, Annapolis, Maryland (May 01, 2008).