Loan Restructuring & Debt Workout Solutions
Institutional special servicing that maximizes recovery through modification, restructuring, and direct asset workouts for loan sellers, financial institutions, default servicers, and institutional investors managing performing, sub-performing, and non-performing mortgage note portfolios.
The Special Servicing Toolkit
Trusted Income Fund applies a disciplined, asset-specific approach to every distressed note, deploying interest rate adjustments, principal write-downs, and term modifications on sub-performing and re-performing loans, and debt-to-equity conversion, deed-in-lieu structuring, and direct asset workouts on non-performing and distressed debt — all engineered to maximize recovery for loan sellers, financial institutions, and default servicers.
Restoring Loans to Consistent Performance
Notes with temporary delinquencies of 30 to 89 days past due, or previously defaulted notes that have already been restructured, are managed through a defined modification framework. Restructuring capabilities, loan modification strategies, and workout solutions are applied on a case-by-case basis to return the borrower to a consistent, sustainable payment schedule and protect the value of the underlying collateral for the note holder.
Direct Resolution of Defaulted Debt
Debt that is 90 or more days delinquent, paper already in foreclosure, or notes subject to bankruptcy proceedings requires a more direct resolution path. Trusted Income Fund's toolkit spans debt-to-equity conversion strategy, deed-in-lieu options, independent collateral valuation, and direct asset workouts, backed by note purchase speed that allows institutions and default servicers to move distressed positions off balance sheet efficiently.
Interest Rate Adjustments
Note rates are recalibrated to align with current market conditions and demonstrated borrower capacity, restoring consistent payment performance on sub-performing notes.
Principal Write-Downs
Selective principal reductions bring the loan balance back in line with updated collateral valuations, converting a delinquent position into a sustainable, re-performing asset.
Term Modifications & Extensions
Amortization schedules and maturity dates are restructured to match revised borrower cash flow, resolving 30–89 day delinquencies before they progress to default.
Debt-to-Equity Conversion
Distressed note positions on 90+ day delinquent debt are converted into direct equity ownership of the underlying collateral, providing a controlled path to recovery.
Deed-in-Lieu Structuring
Deed-in-lieu of foreclosure agreements are negotiated directly with borrowers to expedite asset recovery, supported by independent collateral valuation.
Direct Asset Workouts
In-house workout teams execute foreclosure and bankruptcy note resolutions with note purchase speed that minimizes holding costs for loan sellers and institutions.
Structure a Recovery Solution Today
Speak with our special servicing team about restructuring, modification, or workout options for your loan or portfolio.