Dave practices with the firm’s commercial finance and real estate groups. As a member of the commercial finance group, he represents both lenders and borrowers in structuring, negotiating and documenting complex commercial lending transactions. He also counsels clients extensively on creditors’ rights and loan workout matters.

Dave also specializes in various facets of merchant bankcard law. He regularly assists payment processors, independent sales organizations, sales representatives and merchants in a variety of matters relating to electronic payments. He has negotiated and documented agreements concerning credit card, debit card and check processing services, merchant account portfolio acquisitions, merchant advance transactions, residual buyback arrangements, sales representation and agency arrangements, referral arrangements, private label programs, free terminal programs and a host of other programs.

As a member of the real estate group, Dave typically represents commercial real estate developers and investors relating to land acquisition, development and financing matters. Over the years, he has developed extensive experience in large housing developments and renovations.

Dave served as developer’s counsel in the first privatization of publicly owned housing in the State of Connecticut and, through his involvement in the development of over ten thousand units of affordable housing, he has developed expertise in virtually every aspect of affordable housing development. He has supervised matters relating to land use planning and land acquisition; assisted in the documentation of land use restrictions; negotiated and drafted preferred developer arrangements; closed on various forms of affordable housing loans; provided legal assistance in accessing various government subsidy and tax credit programs; designed tenant-related programs and services; negotiated and drafted various types of construction agreements; and negotiated and drafted joint venture agreements relating to the ownership and management of housing projects. 

Dave attended George Washington University, where he received his B.A. degree with Distinction in Economics in 1980, and his J.D. with Honors in 1983. Dave served as a member and notes editor of The George Washington International Law Review. Following his graduation from law school and admission to the Connecticut Bar, Dave worked as an associate for the law firm of Pullman & Comley LLC (1983-1990). In 1990, Dave joined the law firm of Trager & Trager as a Member, which firm merged into Berkowitz, Trager & Trager in 1999.