Exception to OPRA- The Deliberative Process Privilege

The New Jersey Open Public Records Act (“OPRA” or the “Act”) guarantees that government records are readily accessible for inspection, copying and examination by citizens of this State with certain limited exceptions. One such exception is the deliberative process privilege which includes inter – or intra-agency material that is advisory, consultative, or deliberative in nature1. […]

COMMERCIAL LOANS AND THE FAIR MARKET CREDIT By Rick Shulman, Esq., Member of the Firm             It is not at all uncommon for a small business borrower, and its principals/guarantors, to assume that if they are unable to repay a commercial mortgage loan that the lender’s foreclosure recovery will be limited to whatever the property […]