Bankruptcy: Finding A Fresh Start
Our firm’s bankruptcy practice focuses primarily on helping our clients obtain the debt relief they need to regain control of their finances. We represent individuals and married couples in Chapter 7 and Chapter 13 cases, as well as businesses in Chapter 7 and Chapter 11 filings. Our experienced attorneys, Vince Rubino and Bob Kidwell, analyze each client’s particular financial situation and provide thorough, understandable advice. Our goal is for our clients to have a complete understanding of their options, as well as a specific action plan, after our first meeting.
We have represented clients in over six thousand bankruptcy cases in the Poconos, Lehigh Valley and all of Northeastern Pennsylvania. We understand how overwhelming it can be to face unmanageable debt, and are committed to leading clients toward a sound financial path.
Bankruptcy Relief Is Your Right
The United States Constitution specifically permits Americans to eliminate debts in bankruptcy. Unfortunately, many people are hesitant to speak with an attorney because they feel as though they may have done something wrong. Nothing could be further from the truth. Now more than ever, hard-working Americans are finding themselves in financial distress through no fault of their own. Job loss, divorce, illness, tax debt, and other causes can place otherwise financially responsible people in a position where they may be unable to meet their obligations.
When you speak with us, we will take the time to help you understand the advantages and disadvantage of filing for bankruptcy. We will also address non-bankruptcy options, including debt management plans and debt settlement.
Most people who file for bankruptcy file under either Chapter 7 or Chapter 13:
Chapter 7 bankruptcy: Chapter 7 can be a good option for people who have large amounts of unsecured debt, such as credit card debts or medical bills. Those who qualify for Chapter 7 are able to discharge their debts without any further obligation to creditors. The entire process can be completed in as little as five months.
Chapter 13 bankruptcy: Also referred to as a “wage-earner” plan, Chapter 13 allows you to repay your debts according to a court-approved repayment plan over a three- to five-year period. Under Chapter 13, you would make one payment to your trustee who would be responsible for distributing the funds to your creditors. Most Chapter 13 debtors are able to eliminate much or all of their unsecured debts, such as credit cards and medical bills. Chapter 13 is often used to save a home from foreclosure or manage tax debts.
For more information about bankruptcy, please visit our Bankruptcy FAQ page.
Call or email us to discuss your financial issues with Vince Rubino or Bob Kidwell, and have all of your questions answered. We are available between the hours of 9 a.m. and 5 p.m. Monday through Friday and by appointment at other times. You can reach us by phone at 570-559-5507 and via email to schedule your initial consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.