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Board of Directors

William Freeman


William B. Freeman practices in the areas of insolvency, creditors' rights and finance. Mr. Freeman is a trusted advisor to many domestic and foreign banks, financial institutions, indenture trustees, bondholders, distressed debt investors, fiduciaries and trade creditors. His practice includes all aspects of bankruptcy law, negotiating and drafting commercial credit and collateral agreements for institutional clients in a problem loan or “workout” context, and the Uniform Commercial Code.


Mr. Freeman concentrates his practice in representing:

Financial institutions when acting as administrative agent, collateral agent, successor agent, treasury and cash management bank, steering committee member, participant or indenture trustee.


National, regional and international banks and financial institutions in their largest, most challenging and highest profile matters. Mr. Freeman’s services involve all aspects of UCC Article 9, California’s “mixed collateral” rules, loan workouts, lender liability, loan sales, commercial disputes, debtor-in-possession financing, plans of reorganization, pre-judgment remedies, and foreclosure of real and personal property collateral.


Official and unofficial unsecured creditors' committees and bondholders’ committees in major bankruptcy cases throughout the United States.


Buyers, sellers and investors in the acquisition and disposition of distressed assets, equity and/or claims through bankruptcy proceedings—including 363 sales, secured creditor foreclosure sales and assignments for the benefit of creditors.


Fiduciaries, including trustees, receivers and assignees for the benefit of creditors in complex matters throughout California.


Institutional and individual trade creditors in commercial litigation disputes involving lender liability, credit documentation, collection, reclamation and other credit issues.


Mr. Freeman frequently speaks throughout the country on the subject of commercial loan workouts, the Uniform Commercial Code, finance and bankruptcy matters.

He is a member of the Board of Directors of the Special Assets Management Association.


Honors & Awards

 Chambers USA, Bankruptcy/Restructuring – California (2008–2012)

 PLC Which Lawyer, Restructuring & Insolvency – Los Angeles (2011–2012)

 Southern California Super Lawyers – Bankruptcy & Creditor/Debtor Rights (2008–2012)

Tingting Zhang


Dr. Zhang is the Founder and President of the TerraCotta Group LLC. She is responsible for managing the day-to-day operations of the company and sits on TerraCotta’s investment committee.  


Prior to founding TerraCotta, Dr. Zhang was a senior consultant with the Eurasia Group, a world’s leading economic and political consulting firm. During her tenure at Eurasia Group, she conducted political and economic risk analyses for senior executives of global financial companies and such Fortune 500 companies as Citigroup, AIG, Deutsche Bank, and Price Waterhouse Coopers. She also provided consulting services for the National Intelligence Council of the U.S. Central Intelligence Agency (CIA), and was a primary contributor to the development of the Deutsche Bank-Eurasia Group Stability Index (DESIX), the first and only political risk index on Wall Street.  She has contributed to a number of research projects that were featured in The Wall Street Journal, The Financial Times, Newsweek, and The Economist. She has written and published extensively on the subjects of public finance, central-local relations and environmental issues in developing economies. She has also appeared on CNN, NBC Nightly News with Brian Williams, CNBC, KTLA-TV (Los Angeles), and has been interviewed by the Los Angeles Times and the L.A Daily News. Dr. Zhang co-founded the Special Assets Management Association (SAMA), the only trade association for banking executives in special assets management. She sits on SAMA’s Board of Directors as a Co-Chair. Dr. Zhang holds two Master’s degrees, in Statistics and International Relations as well as a Doctorate in International Political Economy from the University of California, Los Angeles.

Seth Moldoff


Seth Moldoff is a Special Assets Officer for Umpqua Bank, based in Walnut Creek, CA.  Previously, he was Group Head for East West Bank's Special Assets Group, based in San Francisco.  

Prior to East West Bank, Seth worked as Western Division Manager for Wells Fargo Bank’s Credit Resolution Group.  

His prior experience includes infrastructure financing, asset based lending, financing LBOs and leveraged recapitalizations, and oil & gas lending.  

He has international experience, including an assignment in Sydney, Australia.  


Seth has a BA in Economics and Anthropology from Brandeis University, Waltham, Massachusetts, and an MBA from the University of Michigan, Ann Arbor, Michigan.    


Bill Freeman Photo New Seth Moldoff Tingting Photo