Frank Terzo’s practice is devoted to a wide range of insolvency matters, including representation of corporate and consumer clients in complex workouts, bankruptcies, assignment for the benefit of creditors and receiverships.
He has also represented creditor’s committees and Chapter 11 and 7 trustees. In addition, his practice encompasses both the prosecution and defense of all forms of complex bankruptcy litigation, including preference, fraudulent transfers, and complex contested matters.
Over the last several years, Mr. Terzo represented a significant bank syndication that had a secured claim against one of the largest Florida-based HMOs. The parent company operated Medicare Advantage HMOs and PFFSs in Florida, Texas, and Nevada. The company generated over a billion dollars in revenue.
His representation of the bank group produced a significant recovery, and funds are still being recovered through various sources including state receivers and a liquidating trustee in bankruptcy court.
Prior to practicing law, he spent 18 years in the healthcare industry, successfully starting up, managing, and operating various public companies. His experience in healthcare businesses has provided numerous opportunities to represent trustees and committees in hospital, nursing home, diagnostic center, and HMO cases, as well as appointments as Patient Care Ombudsman throughout Florida.
- Nova Southeastern University Shepard Broad College of Law, JD, with honors (1991)
- University of Cincinnati, BS, Economics (1970)
- U.S. Court of Appeals for the Eleventh Circuit
- U.S. District Court for the Middle District of Florida
- U.S. District Court for the Northern District of Florida
- U.S. District Court for the Southern District of Florida
- Counsel to Creditors Committee of a medium-sized nonprofit community hospital located in Miami-Dade County
- Representation of same IPA in structuring managed care at risk agreements with national HMOs
- Represented both Chapter 11 and Chapter 7 trustees in operating and liquidating diagnostic centers, physician professional associations, and various physician practice management companies, including counsel to trustee in liquidation of a multidistrict PPM operating in Miami, New York and Los Angeles
- Appointed by the U.S. Trustee’s Office as a patient care ombudsman for a skilled nursing home in Sarasota, Florida
- Committee counsel to a multisite, state-of-the-art diagnostic center located throughout the state of Florida
- Member, American Bankruptcy Institute, Committee on Health Care Insolvency
- Member, Florida Fiduciary Forum
- Former Director, Bankruptcy Bar Association of the Southern District of Florida
- Member, Bankruptcy Faculty Advisory Board of St. John’s University School of Law, New York
- Member, Advisory Board of the ABI’s Annual Alexander L. Paskay Bankruptcy Seminar in Tampa
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