Business Law attorney in Los Angeles. John J. Cayer, P.C., is an "AV' rated Business Law Firm
with an attorney who's practice emphasis is on the small to mid-sized business, corporations, or unincorporated business
associations of all kinds. We are equipped to handle all aspects of transactional and litigation matters relating to business law,
banking and finance law, real estate law, equine law, estate planning, wills, trusts, and probate. We are
the "Small Business Expert". Our most commonly requested business law subject is starting a California Corporation.

Southern California     Los Angeles County     Orange County     Long Beach     the South Bay Area

Links to other websites with information you might find helpful on the subject of "business law"... American Bankruptcy Institute American Inns of Court American Society of International Law California Franchise Tax Board Department of Corporations California Department of Industrial Relations Licensing of Professions in California Corporation, LLC, closely held corporations, or partnership formation Fictitious business statements (DBA) Corporate record keeping and minutes Sales and transfers of business stock or assets Corporate mergers/acquisitions and refinancing Buy and sell agreements, and stock option plans Drafting, interpretation, and contract negotiation Breach of contract litigation and dissolution Employment agreements, confidentiality, non-compete, exclusivity, and employee handbooks Review of insurance coverage issues Negotiation of leases and lease terminations Collection actions for unpaid debts and employment disputes.

John J. Cayer, Esq. Born Lynwood, California. Admitted to the California State Bar (1955), U.S. District Court (Southern District of California), U.S. Court of Appeals (Ninth Circuit), and U.S. Supreme Court. Education: Compton College (A.B.); Loyola Marymount University (J.D.). Phi Alpha Delta. City Attorney, City of Lynwood, 1974-1976. PRACTICE AREAS: Banking, Corporate Law, Estate Planning, Probate, Equine Law, Mergers and Acquisitions John served as director of First State Bank of Southern California for 25 years, including a term as Chairman of the Board and as Chairman of various Bank committees. During his tenure he participated in the acquisition of the Bank by a large multi-national bank. He currently serves on the Board of Director of a number of corporations in the Southern California area.

He has a broad range of experience in mergers and acquisitions, securities law matters and partnerships, joint ventures and strategic alliances and other corporate transactions, including advising boards of directors on a wide range of issues. In the mergers and acquisitions field, he has represented private companies in acquisitions and dispositions of businesses. John is personally involved with thoroughbred horse racing and maintains membership in the California Thoroughbred Breeders Association, California Thoroughbred Owners and is licensed as an owner by the California Horse Racing Board. He also assists thoroughbred owners in syndication documentation and other equine transactions. John also provides family wealth planning, including all aspects of estate planning, probate and trust administration. He creates plans for the transmission of individual corporate ownership succession. He advises clients how to minimize gift, estate and generation-skipping taxes on the transfer of closely-held business interests and other family assets. He also assists clients with their charitable tax planning, advises fiduciaries regarding the administration of trusts and estates, and represents clients in trust and estate litigation and in estate tax audits.

As a business owner, or a person planning to start a business, you may need to borrow money to get started or to help your business develop or expand. If so, you should know about a law that protects you against illegal discrimination in business credit. The Equal Credit Opportunity Act (ECOA) prohibits creditors from discriminating on the basis of certain factors unrelated to creditworthiness. This law also permits you to find out why your application was denied and to sue creditors who discriminate illegally. Here is a summary of what the law provides: Credit cannot be denied on the basis of sex, marital status, race, age, national origin, or religion. This applies to you and to the people you deal with. For example, if you request a loan for a store in an ethnic or minority neighborhood, creditors cannot deny your application based on your race or the race of your customers.

If your application for business credit is rejected, you can find out why by making a written request for the reasons within 30 days after you are denied credit. The creditor must give you the specific reasons in writing within 30 days after you ask. If you do not agree with the reasons, discuss your concerns with the lender. Complaints frequently can be resolved at this level. If your business is small (less than $1 million in gross revenues), the lender must keep records of your credit application for a year after telling you of the credit decision. If your business is larger, the lender must keep your records for only 60 days after a credit denial, and if you do not request reasons within 60 days, the creditor may destroy your records. However, if you request that records be kept longer, or ask for a written statement of the reasons for denial, the lender will maintain records relating to your application for one year. These records are important for any future legal action you may consider against a lender.

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