Ratio decidendi is a Latin phrase referring to the "rationale for the decision." In the common law system, the law is not so much a set of rules as a series of decisions made by courts. When a lawyer seeks to understand what the law is, they will study court opinions written by judges to find out what the court's ratio decidendi was in each case.
Paul’s practice centers mainly on representing banking and corporate clients in transactions such as commercial loans; real estate acquisitions, development and leasing; and corporate mergers and acquisitions. He has extensive experience in corporate/commercial law, including all aspects of business formation and operation, joint venture transactions, strategic partnerships, equity buy-in agreements, buy-sell agreements and other similar agreements, as well as a variety of agreements that clients require for their continuing operations. He routinely represents lenders, corporate clients and select individuals in a variety of transactions including commercial loan restructurings and workouts, loan refinances, bankruptcy matters, mechanics’ liens, retail banking agreements, buyouts, debt restructuring, and multi-party lending agreements. In addition to real estate transactions, Paul also handles litigation involving commercial lending and real estate disputes, and has represented corporate, municipal and select individual clients in matters ranging from mortgage foreclosures, commercial collections, evictions, enforcement of subordination agreements, title disputes, zoning matters, land use, eminent domain proceedings, homeowners’ association disputes, lease disputes, and various other disputes involving real property.
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111 Park Avenue, S.W. Aiken, South Carolina