When a borrower quit repaying a loan with a $360,000 balance, Gotham Bank of New York turned to Kerry Lutz PC, a small law firm in Westchester County.

Using data bases, public records, and old-fashioned intuition, the firm uncovered bank accounts linked to that customer that were worth, coincidentally, $360,000. Then, after the borrower reneged on a new repayment agreement, Kerry Lutz discovered that the same customer owned a commercial building that was being sold. The firm quickly intervened, and proceeds from the sale ultimately went to $100 million-asset Gotham - not its deadbeat customer. "That's money that we'd already considered lost," said Frank J. Colluccio, a Gotham senior vice president. "I don't know what methods Kerry Lutz used, and I don't need to know. All I know is that they get results."

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