Unity House Bankruptcy & Debt Lawyer, Pennsylvania

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Vincent Rubino
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Vincent Rubino

Vincent Rubino is a Top Attorney Award winner at Attorney.com. Only 5% have the elite qualifications. Click the badge for more info.
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Bankruptcy & Debt

Vincent Rubino is a shareholder in the firm of Newman Williams, P.C., in Stroudsburg, Monroe County, Pennsylvania, and has been practicing law at the ... (more)

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CONTACT

800-925-4080

Lance Roger Spodek

Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  49 Years

John Cyril Prevoznik

Real Estate, Employment, Criminal, Bankruptcy & Debt
Status:  In Good Standing           Licensed:  39 Years

Stephanie Joy

Tax, Social Security, Employment, Consumer Rights, Collection
Status:  In Good Standing           

Mark E. Moulton

Traffic, Estate, Divorce & Family Law, Criminal, Bankruptcy
Status:  In Good Standing           Licensed:  27 Years

Vern S. Lazaroff

Real Estate, Estate, Bankruptcy & Debt, Accident & Injury
Status:  In Good Standing           

Vern Scott Lazaroff

Real Estate, Estate, Bankruptcy & Debt, Accident & Injury
Status:  In Good Standing           Licensed:  40 Years

David W. Skutnik

Bankruptcy, Criminal, Real Estate, Deportation
Status:  In Good Standing           Licensed:  39 Years

Kim M. Diddio

Bankruptcy & Debt, Bankruptcy, Credit & Debt
Status:  In Good Standing           

Staci Sabetti

Real Estate, International Trade, Divorce & Family Law, Credit & Debt, Accident & Injury
Status:  In Good Standing           

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Free Help: Use This Form or Call 800-943-8690

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LEGAL TERMS

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)
A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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.

COLLATERAL

Property that guarantees payment of a secured debt.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)
A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)
The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)
A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)
A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

FDCPA

See Fair Debt Collections & Practices Act.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)
Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.