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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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C Stephen Gurdin

Bankruptcy, Corporate, Business Organization, Contract

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69 Public Square, Wilkes Barre, PA 18701

Jason P Provinzano

Workers' Compensation, Banking & Finance, Bankruptcy, Personal Injury

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FREE CONSULTATION

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16 W Northampton, Wilkes Barre, PA 18701

William L. Byrne

Arbitration, Collection, Commercial Banks, Complex Litigation, Real Estate

Status: Licensed: 25 Years

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152 S Franklin St, Wilkes Barre, PA 18701

David J. Harris

Education, Estate, Divorce, Bankruptcy

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67-69 Public Sq, Wilkes Barre, PA 18701

Francis J Hoegen

Corporate, Banking & Finance, Collection, Bankruptcy, Real Estate

Status: Licensed: 36 Years

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152 S Franklin St, Wilkes Barre, PA 18701

Carlo Sabatini

Litigation, White Collar Crime, Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt

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67-69 Public Square, Wilkes Barre, PA 18701

Peter J Hoegen

Real Estate, Corporate, Bankruptcy

Status: Licensed: 54 Years

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152 S Franklin St, Wilkes Barre, PA 18701

Chris H. Kang

Litigation, Credit & Debt, Real Estate

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600 Third Avenue, Kingston, PA 18704

Mary Jo Kishel

Corporate, Reorganization, Health Care Other, Construction

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15 South Franklin Street, Wilkes Barre, PA 18711

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LEGAL TERMS

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

COLLATERAL

Property that guarantees payment of a secured debt.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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.

CREDIT FILE

See credit report.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

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.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

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Lehman Bankruptcy & Debt Lawyer, Pennsylvania

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Newman Williams, P.C.

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C Stephen Gurdin

Jason P Provinzano

William L. Byrne

David J. Harris

Francis J Hoegen

Carlo Sabatini

Peter J Hoegen

Chris H. Kang

Mary Jo Kishel

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LEGAL TERMS

AUTOMATIC STAY

COLLATERAL

WORKOUT

UNDUE HARDSHIP

CREDIT FILE

CREDITOR

COSIGNER

BANKRUPTCY

LIABILITY

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