Striving for honesty, integrity, and justice under Higher Law

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18 Fair Street Carmel

NY 10512

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Get the guidance you need for the purchase, sale, or formation of a business enterprise.


Rick S. Cowle, Esq.

Rick S. Cowle, Esq. graduated in 1984 with an M.B.A. from Farleigh Dickinson University, and subsequently founded Source Properties Inc, which specialized in helping people who were facing foreclosure.  He has performed hundreds of workouts including short sales, deed in lieu of foreclosures, forbearance agreements, and re-modifications.  In 2000, Mr. Cowle entered the night law school program at Pace Law School and subsequently graduated in June of 2003.  After being admitted to practice in New York in December 2003, Attorney Cowle started his own general practice law firm, “The Law Office of Rick S. Cowle P.C.”, which practices primarily residential and commercial real estate transactions, bankruptcy law, foreclosure workouts, litigation negotiation and settlements.  He is admitted to practice in New York State Courts, New York State Federal District Courts (including Southern, Northern and Eastern Districts), Connecticut State Courts, Connecticut Federal District Courts, District of Columbia, and The United States Supreme Court.  Rick has taught numerous CLE classes, conducted numerous lectures on foreclosure workouts, and is a certified CLE instructor for the Judicial Title Company.  


Rebecca Richards, Esq.

Rebecca Richards, Esq. is admitted to practice law in the State of New York, the Southern District of New York and the State of Connecticut. She is a cum laude graduate of Pace University School of Law where she served as a Note and Comment Editor for the Pace Law Review, and is a summa cum laude graduate of Pace University with a major in Business Management and minor in Political Science. Prior to joining the Law Office of Rick S. Cowle, she interned with the Honorable Lewis Lubell of the New York State Supreme Court, BIC Corporation and Starwood Capital Group.  Her professional experience also includes her tenure as a financial analyst at O’Shaughnessy Asset Management.


Cristina-K Lilly

Cristina Kelly

Legal Assistant

Lilly Moynihan

Legal Assistant

Christine Coyle

Legal Assistant

Bankruptcy & Debt Settlement


Jennifer Norcini


Litigation, Divorce, Wills, Estates, Probate, and Business Law

Residential & Commercial Real Estate Sales, Purchases, Leases, Real Estate Workouts & Loan Modifications.



Residential & Commercial Real Estate Sales, Purchases, Leases, Real Estate Workouts & Loan Modifications.