Tamiment Credit & Debt Lawyer, Pennsylvania

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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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Carlo Sabatini

Bankruptcy, Collection, Credit & Debt, Employment

Status: In Good Standing Licensed: 25 Years

CONTACT

216 N Blakely St, Scranton, PA 18512

Chris H. Kang

Litigation, Credit & Debt, Real Estate

Status: In Good Standing

CONTACT

434 Lackawanna Avenue, Scranton, PA 18503

David C. Schattenstein

Bankruptcy, Collection, Children's Rights, Credit & Debt

Status: In Good Standing Licensed: 54 Years

CONTACT

1114 N 21St St, Allentown, PA 18104

Denise Louise Wester

Litigation, Civil Rights, Business & Trade, Credit & Debt

Status: In Good Standing Licensed: 34 Years

CONTACT

881 3Rd St, Whitehall, PA 18052

Denise Louise Wester

Litigation, Civil Rights, Business & Trade, Credit & Debt

Status: In Good Standing Licensed: 34 Years

CONTACT

881 3Rd St, Whitehall, PA 18052

Elizabeth Marie Field

Credit & Debt

Status: In Good Standing Licensed: 13 Years

CONTACT

508 Park Ave, Stroudsburg, PA 18360

Eric Carl Closs

Credit & Debt

Status: In Good Standing Licensed: 12 Years

CONTACT

701 Main St, Stroudsburg, PA 18360

Jason Bruce Reeves

Deportation, Social Security, Insurance, Credit & Debt

Status: In Good Standing Licensed: 8 Years

CONTACT

392 Main St, Archbald, PA 18403

Joan Lednovich

Deportation, Child Support, Insurance, Credit & Debt

Status: In Good Standing Licensed: 34 Years

CONTACT

723 N Main St, Archbald, PA 18403

Kim M. Diddio

Bankruptcy & Debt, Bankruptcy, Credit & Debt

Status: In Good Standing

CONTACT

17 North 6Th Street, Stroudsburg, PA 18360

800-923-0641

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LEGAL TERMS

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

SAMPLE LEGAL CASES

Biese v. Biese

... 10 In Issue A(2), Husband asserts that all of the parties' credit card debt should not have been apportioned to him. According to Husband, if the Master's goal was a 50/50 split of the marital estate, he should have assigned half of the $10,584.00 credit card debt to Wife. ...

DEBT SETTLEMENT USA, INC. v. Kaplan

... Act 117 also defines "debt settlement services" as: [a]n action or negotiation made on behalf of a consumer with that consumer's creditors for the purpose of the creditor forgiving part or all of the principal of the debt incurred or credit extended to that consumer. ...

Commonwealth Financial Systems, Inc. v. Smith

... ("CFS") appeals from the judgment entered in favor of Ms. Larry Smith ("Ms. Smith") in this action to collect a credit card debt. [1] We affirm. ... By March 2002, Ms. Smith was approximately $2,000 in debt on her credit card account. CFS buys and collects debts. ...

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Tamiment Credit & Debt Lawyer, Pennsylvania

Sponsored Law Firm

Newman Williams, P.C.

SPONSORED LAWYERS

Carlo Sabatini

Chris H. Kang

David C. Schattenstein

Denise Louise Wester

Denise Louise Wester

Elizabeth Marie Field

Eric Carl Closs

Jason Bruce Reeves

Joan Lednovich

Kim M. Diddio

TIPS

LEGAL TERMS

UNSECURED DEBT

GUARANTEED RESERVATION

GENERAL PARTNER

BANKRUPTCY

ACCORD AND SATISFACTION

NO-FAULT INSURANCE

DISPOSABLE INCOME

UNDUE HARDSHIP

COLLECTION AGENCY

SAMPLE LEGAL CASES

Biese v. Biese

DEBT SETTLEMENT USA, INC. v. Kaplan

Commonwealth Financial Systems, Inc. v. Smith

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