Asset Backed Loans & Real Estate

Where Distressed
Assets Reach
Resolution.

Our Resolutions team offers decades of expertise in mortgage finance, loss mitigation, asset management, and resolution — delivering end-to-end solutions for institutional investors, servicers, and lenders nationwide.

Performance at Scale
$2B+
Equity
Managed
20+
Years Resolving
Distressed Loans
50+
States &
Jurisdictions
5000+
Assets
Resolved
🤝 Trusted by servicers, institutional investors, family offices, banks & credit unions
Who We Are

One Source.
Every Solution.

We unify the nation's most respected finance advisors, component servicers, lawyers, property vendors, and brokers — delivering accountable, end-to-end resolution for banks, servicers, institutional investors, family offices, and credit unions.

⚖️
Integrity First
Every resolution is pursued with full compliance, transparent reporting, and fiduciary accountability to investors and servicers.
🏛️
Institutional Grade
Backed by the institutional relationships, infrastructure, and decades of market expertise of the First Lien Capital family of companies.
We don’t just manage assets — we engineer outcomes that work for investors, servicers, and borrowers.
Whether you need a single component service or full end-to-end resolution, we are flexible — every engagement is structured around the unique characteristics of your portfolio, your investors, and your timeline.
What We Do

End-to-End
Resolution Services

Nine integrated service lines — covering every stage of the asset-backed loan and real estate resolution lifecycle, from initial outreach to final disposition.

🏦
Enhanced Loss Mitigation
Specialists in creating win-win resolutions for loans in default. We know what it takes to resolve a loan gone bad.
  • Workout & modification programs
  • Forbearance & repayment plans
  • Short sale negotiation
  • Mediation & court appearances
📋
Asset Management
Micro-management and flexibility in the resolution of REO and sub-performing assets to obtain the best possible execution.
  • Portfolio review & oversight
  • Servicer oversight
  • Acquisition due diligence
  • Legal & vendor management
🏠
Property Management
Professional management of your asset 24/7/365 — from leases and vendors to government municipalities.
  • BPO & valuations
  • Rehab management
  • Property preservation
  • Eviction coordination
🚪
Borrower Outreach
Licensed Realtors & Loan Officers with a proven track record reaching borrowers that others can't — wherever they are.
  • Door knocking campaigns
  • Skip tracing
  • Borrower coordination
  • Hardship assessment
📊
Portfolio Advisory
Strategic advisory for investors and lenders looking to maximize returns on distressed and sub-performing loan portfolios — including complimentary portfolio reviews.
  • Free portfolio review & assessment
  • NPL & SPL acquisition consulting
  • Portfolio structuring & strategy
  • Performance benchmarking
  • Disposition strategy & exit planning
🏛️
Special Servicing
Compliance-first special servicing solutions designed for banks, credit unions, and institutional investors navigating complex default and regulatory environments.
  • Sub-servicer oversight & engagement
  • Bank & credit union regulatory compliance
  • Default servicing protocols & SLA
  • Audit-ready reporting & documentation
  • Regulatory examination preparation
🏢
Brokerage & Disposition
Extensive experience in all phases of brokerage — residential, commercial, and bulk portfolio disposition.
  • 1031 exchanges
  • Auction services & bulk sales
  • Sale-leaseback structures
  • REO liquidation
⚖️
Fiduciary & Trust Services
Full fiduciary and trustee services for complex loan situations, estate assets, and institutional counterparties.
  • Power of attorney management
  • Trustee services
  • Compliance & reporting
  • In-house legal oversight
🏠
Eviction Services
End-to-end eviction management for REO and occupied properties — coordinated, compliant, and humane across all jurisdictions.
  • Occupancy & status determination
  • Cash-for-keys negotiation
  • Legal eviction filing & coordination
  • Relocation assistance programs
  • Post-eviction property turnover
How We Work

Our Resolution Process

A proven, repeatable framework that moves assets from distressed to resolved — efficiently and compliantly.

1
Intake & Assessment
Portfolio review, asset triage, and borrower status analysis to identify the optimal resolution path for each loan.
2
Outreach & Engagement
Multi-channel borrower contact — mail, phone, skip trace, and door knock — to establish communication and assess hardship.
3
Resolution Engineering
Customized workout plans, modification structures, cash-for-keys programs, and disposition strategies engineered for investor and borrower alignment.
4
Execution & Reporting
Full implementation with transparent, audit-ready reporting to servicers and investors throughout the resolution cycle.
Why Choose Us

Built for Complexity.
Delivered at Scale.

30+
Years of Experience
Deep Market Roots
Our leadership team has worked through multiple credit cycles — from the RTC era and the 2008 financial crisis through COVID and beyond — building institutional knowledge that can't be replicated.
50+
State Coverage
Nationwide Reach
Ground-level capability across all U.S. jurisdictions, with licensed professionals who understand local market dynamics, foreclosure timelines, and regulatory environments.
1x
Integrated Platform
One Platform. Full Lifecycle.
Most vendors specialize in one lane. Resolutions covers the entire arc — from first outreach letter to final HUD-1 — without handoffs, silos, or accountability gaps.
Management

Management
Team

We are led by operators who have lived through every phase of the mortgage default and resolution cycle — from the front line to the boardroom.

EG
Erick Gonzalez
Managing Director

Erick brings extensive experience in distressed asset management, real estate operations, and portfolio strategy across residential and commercial markets. As Managing Director of Loan Loss Mit (LCR Management), he leads an in-house team that oversees more than $1B in distressed assets for top institutional clients, managing the full lifecycle from first outreach to full resolution and return. His background spans loss mitigation, REO disposition, and institutional client services — equipping Resolutions with the operational depth to execute complex resolution strategies at scale. Erick's hands-on approach and New York market relationships are integral to delivering results for lenders and investors navigating challenging asset situations.

Asset Management Loss Mitigation REO Disposition Portfolio Strategy
AI
Dr. SPOC
AI Operations Director

Dr. SPOC — Smart Processing & Operations Command — is Resolutions proprietary AI platform built for the full mortgage resolution lifecycle. Driving servicer coordination, case intake, compliance monitoring, and real-time reporting at institutional scale.

In every borrower interaction, SPOC takes on its second meaning: Single Point of Contact — one dedicated, AI-powered representative ensuring every homeowner receives consistent, informed, and compliant communication from first outreach to final resolution.

AI Operations Case Management 24/7 Borrower Services
⚡ Proprietary Technology
BB
Bill Bymel
Managing Director

Bill is the Founder & CEO of First Lien Capital and the architect behind Resolutions. For more than two decades he has led distressed credit acquisitions, REO resolution programs, and borrower advocacy initiatives for banks, credit unions, and institutional investors. His background spans asset management, loss mitigation, REO disposition, and front-line borrower communications, giving him the perspective to guide both the operators in the field and the boardroom strategy. Bill's capital markets reach, servicer relationships, and hands-on workout expertise anchor the platform's ability to scale across complex portfolios with both speed and empathy.

Capital Strategy Distressed Credit Servicer Relations Borrower Advocacy
in View Profile →
Governance

Board of Advisors

First Lien Resolutions and its affiliated entities are governed by a board with deep experience spanning real estate finance, capital markets, institutional banking, and regulatory policy.

CW
Chris Whalen
Advisor

Christopher Whalen is Chairman of Whalen Global Advisors LLC and editor of The Institutional Risk Analyst, a respected publication covering U.S. banking, credit markets, and financial regulation since 2003. An investment banker, author, and trusted voice on bank credit risk and monetary policy, he previously led institutional and corporate ratings groups at major Wall Street firms. Author of Inflated: How Money and Debt Built the American Dream. His macro perspective on credit and regulatory risk is a critical asset to Resolutions governance.

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JD
James Dooley
Director

James Dooley is an entrepreneur, board member, and co-founder of multiple distressed loan asset management businesses. A capital markets specialist with deep experience in asset acquisitions, due diligence, deal structuring, and capital raising, James has managed complex regulatory environments and overseen compliance, audit, and financial reporting at the executive level. His experience building and scaling distressed asset platforms is directly aligned with Resolutions mission.

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Affiliated Companies

Our Resolutions Family

Resolutions operates within the First Lien Capital family of companies — bringing institutional depth to every engagement.

Re
al Estate solutions

Whether you're a bank, servicer, hedge fund, family office, or institutional investor — let’s talk about what our Resolutions can do for your book.

Get in Touch View Services
Get in Touch

Let's
Talk.

Choose your path and we’ll connect you with the right team.

🏦
Lenders & Investors
Resolve Your
Portfolio

Banks, credit unions, servicers, hedge funds, and family offices. Let’s talk strategy.

Get Advice Now →
🤝
Vendors & Partners
Join Our
Network

Attorneys, servicers, brokers, property managers, and specialist vendors.

Work With Us →
🏠
Homeowners & Borrowers
We Can
Help You

Facing hardship? You’re not alone. Our team has helped thousands find a way forward.

Get Help Now →
📍
Headquarters
Las Vegas, Nevada
📞
Phone
844-955-4NPL
🌐
Website
firstlienresolutions.com