The COVID-19 pandemic has affected virtually everybody in Pennsylvania. If you and your family are lucky enough not to have caught the virus, your lives have almost certainly changed as a result of the statewide lockdown orders. You may have been furloughed at work or...
When to file for bankruptcy
Very few people hold a positive view of bankruptcy. Society views bankruptcy as a failure, but this is inaccurate. Bankruptcy laws exist to give people a second chance and deliver a direct benefit to the public. People with money problems should not jump to bankruptcy...
Those with medical debt may experience wage garnishment
When a Pennsylvania consumer has a significant amount of debt and cannot pay, it may result in unpleasant consequences. One of these is wage garnishment, which happens when a creditor gets a court order to have an employer withhold a portion of a consumer’s paycheck....
How to conquer credit card debt
Debt of any kind is a heavy burden to carry. However, if you’ve found yourself in over your head with credit card debt, you’re in good company. According to the Federal Reserve, American consumer debt – the bulk of which is credit card debt – exceeded one trillion...
When is Chapter 13 a better option for filing bankruptcy?
Many people are reluctant to file for bankruptcy because they view it as a sign of failure or personal weakness. However, thousands and thousands of people face financial struggles due to no fault of their own. Economic distress can result from many causes, including...
Judge discharges $220k in student loans in “stunning” ruling
A U.S. bankruptcy judge in New York ruled that a Navy veteran does not have to repay nearly a quarter of a million dollars in student loans due to the debt creating an undue financial hardship. Judge Cecilia Morris’s ruling stunned many observers as student loan debt...
Pennsylvania Bankruptcy FAQ’s
Consumer Bankruptcy FAQ’s Newman Williams provides Bankruptcy law services to the Eastern Pennsylvania area. Contact bankruptcy lawyer Vincent Rubino for a free case consultation. Below are some frequently asked questions (FAQs) related to Bankruptcy Law in...
Latest 2017 Client Google Review for Newman Williams
Client Reviews from Google – August 2017 Latest Client Review from Google of Vincent Rubino Nobody wants to go through bankruptcy, but if you must then I highly recommend Vince Rubino and his team. In fact, determining if you really must file bankruptcy is something...
Eliminating a Second Mortgage in Bankruptcy
PENNSYLVANIA BANKRUPTCY LAW A recent bankruptcy case from New York State, In re Addams, 564 B.R. 458 (Bankr. E.D. N.Y 2017), confirmed that it is not possible to utilize a bankruptcy case to bifurcate a home mortgage – divide it between a partially secured and...
Bounced, Returned or NSF Checks in Pennsylvania
Bouncing a check is a criminal offense in Pennsylvania. Under 18 Pa.C.S.A. Section 4105(a), “A person commits an offense if he issues or passes a check . . . knowing that it will not be honored by the drawee.” The “drawee” is the bank, credit union or other...