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Vincent Rubino
About | Practice Areas
Newman Williams, P.C.
712 Monroe St P.O. Box 511 Stroudsburg, PA 18360» view map
Bankruptcy & Debt
A Legacy Of Solving Clients' Problems

We are proud to uphold a decades-long tradition of serving clients with courtesy, honesty and integrity. We have been here for you, and we will continue assistance into the future.

570-421-9090
1. Vincent Rubino Stroudsburg, PA
  Attorney at Law - PA, 1987
  Hofstra University J.D. 1987
2. AboutNewman Williams, P.C.
  A Tradition Of Service And Results
3. Practice AreasExpertise
  Bankruptcy & Debt
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2. Email
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Includes: Bankruptcy Litigation, Commercial Bankruptcy, Consumer Bankruptcy, Dissolution

Garrett Ross Benner

Sexual Harassment, Banking & Finance, Bankruptcy, Medical Malpractice

Status: In Good Standing

CONTACT

2005 City Line Rd, Bethlehem, PA 18017

Brandon Michael Benner

Sexual Harassment, Banking & Finance, Bankruptcy, Medical Malpractice

Status: In Good Standing Licensed: 14 Years

CONTACT

2005 City Line Rd, Bethlehem, PA 18017

Kevin Karl Kercher

Education, Real Estate, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

881 Third St, Whitehall, PA 18052

Thomas Lightner

Bankruptcy & Debt, Bankruptcy, Divorce & Family Law, Family Law

Status: In Good Standing

FREE CONSULTATION

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251 E. Broad Street, Bethlehem, PA 18018

Allan B. Goodman

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 59 Years

CONTACT

514 Fullerton Ave, Whitehall, PA 18052

James J. Ravelle

Civil Rights, Business & Trade, Banking & Finance, Commercial Bankruptcy

Status: In Good Standing Licensed: 48 Years

CONTACT

1 W Broad St, Bethlehem, PA 18018

Lori L Mannicci

Traffic, Social Security, Contract, Bankruptcy

Status: In Good Standing Licensed: 33 Years

CONTACT

44 E. Broad Street, Bethlehem, PA 18017

Alan R. Mege

Bankruptcy, Divorce & Family Law, Estate, Immigration, Car Accident

Status: In Good Standing Licensed: 27 Years

CONTACT

70 E Broad St, Bethlehem, PA 18018

David Charles Berger

Real Estate, Business, Bankruptcy

Status: In Good Standing

CONTACT

515 W Hamilton St, Allentown, PA 18101

Alisha Melvin

Family Law, Elder Law, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 14 Years

CONTACT

1128 Pennsylvania St, Whitehall, PA 18052

800-923-0641

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LEGAL TERMS

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

FCBA

See Fair Credit Billing Act.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

SAMPLE LEGAL CASES

Stoeckinger v. Presidential Financial Corp.

... Stoeckinger argues that the trial court erred in determining that his claims were barred by res judicata due to a prior bankruptcy proceeding involving the parties herein. For the following reasons, we affirm. ... 5 On or about April 16, 2004, Sol-9 filed for bankruptcy. SR at 53b. ...

Zokaites v. Pittsburgh Irish Pubs, LLC

... execution and unsuccessfully attempted to collect his judgment. Thereafter, on September 4, 2007 [Appellee] Pittsburgh Irish Pubs, LLC filed for bankruptcy under Chapter 11. In an attempt to collect the outstanding judgment ...

In re Ullman

... They argue that statements, which they attribute to Jones and WFJ, made in legal arguments in a bankruptcy and a civil proceeding were false. They argue that these statements were that a bankruptcy claim of [Appellant] and ...

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Lehigh Valley Bankruptcy Lawyer, Pennsylvania

Sponsored Law Firm

Newman Williams, P.C.

SPONSORED LAWYERS

Garrett Ross Benner

Brandon Michael Benner

Kevin Karl Kercher

Thomas Lightner

Allan B. Goodman

James J. Ravelle

Lori L Mannicci

Alan R. Mege

David Charles Berger

Alisha Melvin

TIPS

LEGAL TERMS

CREDIT REPORT

WINDING UP

SOLE PROPRIETORSHIP

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

GRACE PERIOD

NUISANCE FEES

FCBA

PREFERENCE

PRESUMED ABUSE

SAMPLE LEGAL CASES

Stoeckinger v. Presidential Financial Corp.

Zokaites v. Pittsburgh Irish Pubs, LLC

In re Ullman

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