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Much of the financing for state and local needs, like schools, roads, and affordable housing, comes from the sale of tax-exempt municipal bonds to investors. Basically, investors are loaning the government the money for construction costs; in exchange investors receive tax-free interest payments on their loan. Lawyers who understand public finance issues help the government meet the legal requirements for the sales process and package the bonds for sale. Since different levels of risk are associated with loaning to different government organizations, bond and public finance attorneys also help investors calculate the risks before making such loans.
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Experienced debt and lending agreements attorneys handle issues involving promissory notes, mortgages, deeds of trust, and other loan, security, and credit documents.
Tax law covers both state and federal law. It deals with the rules and regulations imposed by tax agencies, compliance measures, and disputes over taxes.
Government law is a very broad area and covers the regulations of many government agencies. As a result, lawyers will usually focus on one type of regulation.