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Ryan Mergl
Pittsburgh, PA Bankruptcy Attorney with 17 years of experience
Bankruptcy, Animal, Business and Personal Injury
Duquesne University School of Law
Ryan Mergl is a former prosecutor and respected trial attorney. He represents clients throughout Pennsylvania and in the United States Federal Courts.
Awards & Recognition
Super Lawyers selected Mergl to their list as a Rising Star, noting his high-degree of peer recognition and professional achievement, he is a Top 100 Criminal Defense Attorney in Pennsylvania as named by the Association of American Trial Lawyers, and Pittsburgh Magazine named Mergl one of Western Pennsylvania’s "40 Under 40”.
Background
Mergl is admitted to practice before the Pennsylvania Supreme Court, the United States District Court for the Western District of Pennsylvania, and the...
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Karim P. Husain
West Chester, PA Bankruptcy Lawyer with 27 years of experience
Bankruptcy, Estate Planning, Probate and Tax
Villanova University School of Law and University of Pittsburgh School of Law
Karim P. Husain concentrates his practice in the areas of Wills, Trusts & Estates, Bankruptcy, Business Consulting & Commercial Litigation and Tax Controversies & Tax Litigation. Formerly a senior associate with a private law firm and a Big 4 accounting firm, he also served as a judicial law clerk to the Hon. Charles A. Lord of the Commonwealth Court of Pennsylvania and to the Hon. Robert A. Latrone of the Philadelphia Court of Common Pleas. A long-time resident of the Philadelphia area, Mr. Husain received his Master of Laws in Taxation from the Villanova University School of Law, Juris Doctorate...
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J. W. Alberstadt Jr.
Erie, PA Bankruptcy Lawyer with 46 years of experience
Bankruptcy, Administrative, Business and Estate Planning
Dickinson School of Law
Jay Alberstadt is a senior partner with MacDonald Illig. He concentrates his practice in the areas of real estate, commercial and economic development ,and conventional and tax-exempt financing. He provides legal services to individuals, business entities, lending institutions, municipal authorities and development agencies. Mr. Alberstadt handles matters ranging from residential real estate transactions to detailed title and development issues. He also provides representation in commercial financings and tax-exempt municipal, industrial development and 501(c)(3) bond issues. He is co-chair of the Firm's real estate practice group and chair of the firm's marketing committee.
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Alan I. Moldoff
Bala Cynwyd, PA Bankruptcy Attorney with 47 years of experience
Bankruptcy and Business
Rutgers School of Law-Newark
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John J. "Jack" Mehler
Erie, PA Bankruptcy Lawyer with 39 years of experience
Bankruptcy, Administrative, Business and Real Estate
University of Dayton School of Law
For 30 years, "Jack" Mehler has helped public and private companies, banks, developers, non-profit corporations and individuals in a wide range of legal matters. Jack concentrates in the areas of general business matters, real estate, banking, and financial transactions.
Jack also represents taxpayer-clients and developers in real estate tax assessment (value) appeals, and tax exemption cases throughout western Pennsylvania on many different types of properties as diverse as marinas, waterfront shipping facilities, hospitals, shopping centers and malls, industrial plants, truck terminals and warehouses, commercial and professional office buildings, corporate headquarters, hotels, and senior living facilities.
Jack has written numerous articles and is...
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Kandis L. Kovalsky
Philadelphia, PA Bankruptcy Lawyer with 11 years of experience
Bankruptcy, Business, Insurance Claims and Real Estate
Washington University in St. Louis
Justia
Associate Kandis Kovalsky is an accomplished business lawyer representing both corporate and individual clients in a broad range of complex commercial litigation matters in Pennsylvania and New Jersey state, federal and bankruptcy courts.
Kandis represents clients in all aspects of commercial litigation, particularly in matters involving business torts, partnership and shareholder disputes, contractual disputes, unfair and deceptive business practices actions, creditor’s rights and civil RICO actions. Although Kandis’ practice mostly focuses on cases in active litigation, Kandis also assists clients in general business matters and litigation avoidance.
Kandis represents commercial borrowers, secured and unsecured lenders and Chapter 7 trustees in complex bankruptcy...
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Louis J. Rizzo Jr
Philadelphia, PA Bankruptcy Lawyer with 32 years of experience
Bankruptcy, Business and Insurance Defense
Villanova University School of Law
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Ross J. Switkes
Bala Cynwyd, PA Bankruptcy Lawyer with 13 years of experience
Bankruptcy
Seton Hall University School of Law
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Daniel Edward Mueller
Philadelphia, PA Bankruptcy Attorney with 30 years of experience
(215) 248-0989
40 W. Evergreen Avenue, Suite 101
Philadelphia, PA 19118
Free ConsultationBankruptcy, Business, Consumer and Foreclosure Defense
University of South Carolina - Columbia
We represent individuals and business owners in Chapter 7 and Chapter 13 bankruptcy, civil litigation, debt settlement, debtor defense, foreclosure defense, mortgage modification, business law, and intellectual property. Our goal is to find the right solution for each client.
In addition, we represent clients in several areas of consumer law, including the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), and other federal and state statutes intended to protect consumers from abusive debt collectors, creditors, and scammers.
Our business practice includes business formation, strategic planning, contracts, business debt negotiation, regulatory compliance, trademarks, copyrights, and outside general counsel...
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Michael Kruszewski
Erie, PA Bankruptcy Attorney with 21 years of experience
Bankruptcy, Arbitration & Mediation and Collections
University of Pittsburgh School of Law
Attorney Kruszewski is a member of the firm's Bankruptcy and Creditors' Rights Practice Group. His practice involves the representation of corporate debtors, secured creditors and unsecured creditor committees in business reorganization proceedings. His practice also includes commercial loan work-outs, bankruptcy-related and commercial litigation, and general collection matters. He has also been approved as a mediator for the United States Bankruptcy Court for the Western District of Pennsylvania.
Attorney Kruszewski has been named as a Rising Star in the Pennsylvania Super Lawyers magazine in each year of publication from 2008-2016. He is also an active member of both the Erie County Bar...
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Charles Laputka
Allentown, PA Bankruptcy Attorney with 21 years of experience
Free ConsultationBankruptcy, Business, Collections and Real Estate
Duquesne University School of Law
Charles Laputka is the owner and manager of the Laputka Law Office, LLC:
My clients often want to know how they should handle burdensome debt obligations and get a fresh start towards a better financial future. Since 1997 I have helped thousands of people overcome mountains of debt in one way or another. As the owner of the Laputka Law Office, I regularly counsel clients regarding mortgage foreclosure, asset protection planning, and collection issues as well.
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Mark Medvesky
Pottstown , PA Bankruptcy Attorney with 31 years of experience
Free ConsultationBankruptcy
Temple University
My professional approach to people and problems was developed during my time in the Military. I enlisted in the US Air Force out of high school and later earned my commission before retiring in 2008. My goal is to build relationships with my clients whether my time with them last months or years.. I am about more than just performing a legal task and collecting payment. Whether I am providing full-service representation or limited scope services, I work to make the process as smooth as possible, establishing trust and respect with all parties involved. We are a general practice firm...
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W. J. Winterstein Jr.
Boyertown, PA Bankruptcy Lawyer with 48 years of experience
Free ConsultationBankruptcy, Collections, Consumer and Foreclosure Defense
Oklahoma City University School of Law
A solo practitioner, I work from a home office in Boyertown, PA, about 30 miles from center-city Philadelphia, and most of my cases are litigated in Philadelphia and Reading courts. With the assistance of local counsel, I also handle matters in Delaware. I have over 30 years experience in both state and federal courts; bankruptcy and mortgage foreclosure/workout are a large part of my practice. There isn't much I haven't seen, or done.
Currently rated "Distinguished" by the "gold standard" of lawyer ratings.
PLEASE CONTACT ME BY EMAIL FIRST, as that is my preference, and more...
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Shawn Neely Wright
Pittsburgh, PA Bankruptcy Lawyer with 33 years of experience
Free ConsultationBankruptcy, Probate and Tax
University of Pittsburgh School of Law
Helping individuals and small businesses with financial and IRS problems since 1993. If you are having sleepless nights about your financial or tax troubles, then call for a free consultation. I can help put together a game plan for you to resolve your troubles and to get back on track. My associate, Audrey Rasmusson, also handles estate settlement and Social Security Disability cases.
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James E. Spoden
Erie, PA Bankruptcy Attorney with 43 years of experience
Bankruptcy, Business, Estate Planning and Real Estate
DePaul College of Law and DePaul College of Law
Mr. Spoden is a senior partner at MacDonald Illig. He concentrates his practice in the area of corporate, commercial and business law, with a special emphasis on taxation and estate planning for small business owners. He is also active in the area of business formation, mergers, acquisitions and divestitures.
Mr. Spoden is experienced in small business counseling including industrial, professional and service corporations.
Mr. Spoden is a Certified Public Accountant and a member of the American Institute of Certified Public Accountants.
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Daniel D. Haggerty
Philadelphia, PA Bankruptcy Lawyer with 30 years of experience
Bankruptcy, Business, Insurance Claims and Real Estate
Widener University Commonwealth Law School
Daniel D. Haggerty concentrates his practice in commercial litigation, creditors’ rights, bankruptcy, and transactional matters.
A significant portion of Dan’s practice is devoted to the representation of banks and financial institutions in complex workout matters. This representation includes reviewing and revising loan documents, negotiating and preparing forbearance agreements, securing debt via additional collateral, entering judgments though confession and foreclosure, executing on personal and real property, and pursuing debtors both inside and outside of bankruptcy. Dan has successfully sought and obtained approval of Chapter 11 creditors’ plans, and has successfully liquidated assets under Article 9 of the Uniform Commercial Code.
Dan also represents...
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Kim Diddio
Stroudsburg, PA Bankruptcy Attorney with 24 years of experience
Free ConsultationBankruptcy
Widener University
My firm is focused on helping clients with financial difficulties. My area of expertise is consumer and small business bankruptcy cases, including Chapter 7 and Chapter 13. My goal is to put clients back in control of their financial situation and regain their financial freedom from debt. My primary focus is always the client. I offer comprehensive advice, discreet representation, and individualized attention. I am committed to helping financially distressed individuals obtain freedom from financial oppression and a fresh start through bankruptcy relief.
With my experience gained from over 17 years of specializing in bankruptcy and consumer credit issues, I help...
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Nicholas R. Pagliari
Erie, PA Bankruptcy Lawyer with 24 years of experience
Bankruptcy, Business and Collections
University of Dayton School of Law
Mr. Pagliari's practice is concentrated in the areas of corporate restructuring and bankruptcy, bankruptcy related litigation and collection matters. He primarily represents corporate debtors, secured creditors, chapter 7 and chapter 11 trustees, and other entities involved in bankruptcy proceedings. Attorney Pagliari is also an approved mediator in the United States District Court for the Western District of Pennsylvania and the United States Bankruptcy Court for the Western District of Pennsylvania.
Mr. Pagliari graduated from The Pennsylvania State University with his Bachelor of Arts Degree in History in 1998. In 2001, he graduated from The University of Dayton School of Law,...
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Michael S. Jan Janin
Erie, PA Bankruptcy Attorney with 42 years of experience
Free ConsultationBankruptcy
The University of Georgia School of Law
Attorney Jan Janin's practice involves the representation of debtors, secured creditors and unsecured creditors in bankruptcy. Particular emphasis is placed on Chapter 7 and Chapter 13 debtors. His practice also involves extensive collection work on behalf of banks and credit unions. Michael's practice involves litigation in both state and federal courts of western Pennsylvania. Specifically, he is admitted to practice before all courts under the purview of the Supreme Court of Pennsylvania, as well as the United States District Court for the Western District of Pennsylvania, the United States Court of Appeals for the Third Circuit, and the Supreme Court...
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Jason Michael Rapa
Lehighton, PA Bankruptcy Lawyer with 22 years of experience
Free ConsultationBankruptcy, Consumer, DUI & DWI and Divorce
Widener University
Jason M. Rapa, Esquire is the founder of Rapa Law Office, P.C. Jason practices together with his brother Matthew J. Rapa. Together they provide services not only in the Poconos and the Lehigh Valley but throughout the State of Pennsylvania.
Jason focuses his practice in the areas of Bankruptcy, Consumer Protection and Civil Litigation, while Matthew focuses on Criminal Defense and Consumer Protection. Together Jason & Matthew have handled hundreds of cases against abusive debt collectors and Jason routinely speaks at national, state and local legal events regarding debt collection harassment.Jason has recently be names a Rising...
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Eric Nicholas Mahler
Kingston, PA Bankruptcy Lawyer with 27 years of experience
Bankruptcy, Business, Estate Planning and Real Estate
Widener University
I am a business, real estate and litigation attorney in Northeastern Pennsylvania. I serve clients mainly in Luzerne and Lackawanna Counties.
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Lisa Mary Doran
Wilkes-Barre, PA Bankruptcy Lawyer with 34 years of experience
Free ConsultationBankruptcy
Duquesne University School of Law
The focus of my law practice is Bankruptcy Law, representing individuals, businesses, and creditors in Chapters 7, 11, and 13 cases.
Our firm represent clients in the Middle District of Pennsylvania, primarily those assigned to the Wilkes-Barre and Williamsport court locations.
In addition to client representation, I have served on the Attorney Advisory Panel for the Bankruptcy Court for the Middle District of Pennsylvania; Board of Directors of the Middle District Bankruptcy Bar Association; Local Rules Committee for the Bankruptcy Court; and Judicial search committees, as both Chair and member; and volunteered for the Luzerne County, PA consumer debt and...
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Brent Vullings
Collegeville, PA Bankruptcy Lawyer with 22 years of experience
Bankruptcy, Consumer and Real Estate
Widener University
Brent F. Vullings, Esq. has been practicing law since 2004 first as a partner in a general practice firm where he focused primarily on Credit Litigation, Consumer Protection, Bankruptcy, and Real Estate. In February 2012, Mr. Vullings founded Vullings Law Group, LLC d/b/a VullingsLaw where he has continued to represent consumers in the areas of Credit Repair, Credit Litigation, Consumer Protection, Bankruptcy, and Real Estate. While being admitted to practice law in PA, NJ, NY, and DC and numerous federal jurisdictions throughout the country, Mr. Vullings has helped thousands of people nationwide fight for their consumer rights.
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S. Joseph Litvak
Bensalem, PA Bankruptcy Attorney with 9 years of experience
Free ConsultationBankruptcy and Consumer
University of Akron School of Law and University of Akron School of Law
I speak your language. I’ve grown to understand and relate to your case through my very diverse life experiences. I grew up in a small steel town, in a family of a steel mill engineer and a metallurgical chemist. The decline of the steel industry and the closure of the steel plant had a devastating effect on my family. Both of my parent struggled to find jobs in the new manufacture-less era. Although my family was able to make the necessary adjustment (my mom became a high school science teacher and my dad found a job with a local utility...
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Beth A. Hurley
Philadelphia, PA Bankruptcy Lawyer with 20 years of experience
Bankruptcy, Business, Employment and Real Estate
Fordham University School of Law
I am an experienced Attorney at Kang Haggerty LLC. My practice areas include Bankruptcy, Real Estate, and Business Law. I am dedicated to helping business and individuals achieve the best possible legal outcomes.
I received a B.A.S.W. and B.A. from the University of Pittsburgh. In 2004, I earned my J.D. Cum Laude, from Fordham University School of Law. I am admitted to practice law in both Pennsylvania and New York.
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Craig A. Doll
Philadelphia, PA Bankruptcy Lawyer with 49 years of experience
(215) 495-6522
Cira Centre, 13th Floor
2929 Arch St
Philadelphia, PA 19104
Bankruptcy, Administrative, Business and Real Estate
Suffolk University Law School
Craig A. Doll brings more than 40 years of experience and knowledge to his representation of clients in the transportation and utility industries. Mr. Doll concentrates his practice in transportation litigation on behalf of limousine, household goods and property carriers, paratransit companies, airport transfer carriers, and taxicab companies before the Pennsylvania Public Utility Commission and the Commonwealth’s Courts. He also represents public utilities in proceedings before the Pennsylvania Public Utility Commission, the Public Service Commission of Maryland, Delaware, New Jersey and the appellate courts of the Commonwealth of Pennsylvania.
Mr. Doll has represented both large and small investor-owned utilities in various...
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Philip W. Fisher
Philadelphia, PA Bankruptcy Lawyer with 36 years of experience
(215) 495-6555
Cira Centre, 13th Floor
2929 Arch St
Philadelphia, PA 19104
Bankruptcy, Business, Employment and IP
Villanova University School of Law
Philip W. Fisher, Partner at Reger Rizzo Darnall LLP Philadelphia Office and Chair of the Firm’s Corporate & Business Services Group, has extensive experience in a wide range of matters, including structuring and negotiating mergers and acquisitions, dispositions, private securities offerings, corporate finance, secured transactions, licensing, leasing, joint ventures and real estate transactions.
Mr. Fisher’s client base is as diverse as his experience, including start-up companies and smaller entities to large established organizations, such as software developers, private-equity companies, broker-dealers, investment advisors, distributors, banks and finance companies, manufacturing companies, technology companies, inventors and founders, and telecommunications corporations. Additionally, Mr. Fisher has...
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Joseph A Mullaney III
Media, PA Bankruptcy Attorney with 23 years of experience
Free ConsultationBankruptcy and Consumer
Widener University Delaware School of Law
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J. Zac Christman
Stroudsburg, PA Bankruptcy Attorney with 27 years of experience
Free ConsultationBankruptcy, Collections and Consumer
Cornell University
J. Zac Christman is a bankruptcy attorney in Stroudsburg , Pennsylvania, admitted to practice law generally in Pennsylvania and New Jersey. Specifically, Zac is admitted to practice before the Pennsylvania Supreme Court, the United States Court of Appeals for the Third Circuit, the United States District Court for the Middle District of Pennsylvania, and the United States District Court for the Eastern District of Pennsylvania, to name a few. Zac graduated from Dartmouth College in 1993, then Cornell Law School in 1997, after which, he returned to open a solo practice in the Stroudsburg area, focusing on bankruptcy, landlord/tenant law,...
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William R. Brown
Erie, PA Bankruptcy Lawyer with 52 years of experience
Bankruptcy, Business and Real Estate
University of Maryland Francis King Carey School of Law
William R. Brown concentrates his practice in the areas of Business Transactions, Commercial Real Estate and Creditor Rights.
In the area of Business Transactions, Mr. Brown advises businesses and individuals with respect to formation and governance of business entities, commercial transactions, contract formation and interpretation, real estate acquisition, disposition and development and structuring of financial relationships.
Mr. Brown also represents commercial and institutional lenders with respect to secured lending, construction financing, syndicated loans and participations, letters of credit and tax-exempt financings. As counsel to major commercial banks, Mr. Brown is regularly involved in the negotiation, structure, documentation and closing of major real...
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Dai Rosenblum
Butler, PA Bankruptcy Attorney with 44 years of experience
Free ConsultationBankruptcy
Georgetown University Law Center and University of Southern California Gould School of Law
Mr. Rosenblum is a sole practitioner in Butler, Pa who concentrates on consumer and small business bankruptcies. He earned his Juris Doctor from the University of Southern California Law Center in 1979, his Artium Baccalaureus from Vassar College in 1975, and his Diploma from Shady Side Academy in 1970. He was all but dissertation for a Master of Laws in Taxation from Georgetown University in 1980. He is a former Permanent Divorce Master for the Court of Common Pleas in Butler County, and was a law clerk to President Judge John C. Dillon, Judge Floyd A. Rauschenberger, Judge...
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John Melaragno
Erie, PA Bankruptcy Attorney with 27 years of experience
Free ConsultationBankruptcy and Personal Injury
Case Western Reserve University School of Law
Since he started his law practice in 1997, Attorney Melaragno has worked with individuals who were injured, through no fault of their own, in car accidents, motorcycle accidents, tractor trailer accidents, slips and falls and a variety of other circumstances. Attorney Melaragno and his partners have tried or settled cases with a success rate of over 99%, recovering more than $3.2 Million for their injured clients in the last 4 years alone.
Attorney Melaragno was selected to serve on the Panel for Chapter 7 Bankruptcy Trustees for the Western District of Pennsylvania on February 6, 2004 and from that...
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Frank Santomauro
Scranton, PA Bankruptcy Lawyer with 33 years of experience
Free ConsultationBankruptcy, Criminal Defense, Divorce and Domestic Violence
District of Columbia School of Law
ADMISSIONS
Lackawanna County Bar – December 8, 1992
Middle District – December 8, 1992
Eastern District – May, 2017
EXPERIENCE
1992 – 1996
Associate at the Law Offices of Brian J. Cali, Esquire
Dunmore, PA 18512
1992 – 1996
Associated with the Law Offices of Cali, Cecchini & Riccardo
1996 – 2019
Principal in the Law Offices of Frank J. Santomauro, LLC
Associated with Ruggiero and Campolieto
1996 – Present
Owner/Managing Member
Law Offices of Frank J. Santomauro, L.L.C.
Bankruptcy
Civil Litigation
Criminal Defense
Family Law
Personal Injury
Wills & Estates
LEGAL EXPERIENCE & DUTIES
Over 25 years of legal research, motion/petition drafting, appellate work in Pennsylvania Superior, Supreme Court and Commonwealth Court of Pennsylvania, includes:
Brief preparation and oral argument
Spousal and child support...
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Curtis Elwyn Barnes
Reading, PA Bankruptcy Attorney
Bankruptcy, Criminal Defense, DUI & DWI and Foreclosure Defense
Widener University Delaware School of Law
Have you been accused of a crime in Reading? Are you considering the option of filing for bankruptcy? Do you need help in a family law case? You should contact Attorney Curtis Barnes and his team to learn how he could help you. Curtis is a graduate of the Florida State University in Tallahassee where he studied Criminology. As a student, he worked at the Florida State Attorney General’s Office where he was able to gain experience in investigating criminal offenses. He then went on to attend the Delaware Law School of Widener University where he graduated with his law...
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Carlo Sabatini
Wilkes-Barre, PA Bankruptcy Lawyer
Free ConsultationBankruptcy and Consumer
Widener University - School of Law
Since 1999 we've helped people who are having problems with debts or debt collectors. Some of our clients file bankruptcy. Others file suit against aggressive debt collectors. I am Board Certified in Consumer Bankruptcy law by the American Board of Certification.
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Emily Gomez
Pittsburgh, PA Bankruptcy Lawyer
Free ConsultationBankruptcy, Collections, Consumer and Foreclosure Defense
The George Washington University Law School
The Law Office of Emily Gomez, LLC was founded in 2012, and is a small consumer law firm located in Pittsburgh, Pennsylvania. We specialize in helping regular people be treated fairly in marketplace transactions, which includes transactions involving loans and credit.
In our practice, we help with situations including but not limited to credit reporting errors, home improvement fraud, debt collection harassment, car repossessions, mortgage fraud, credit and debit card issues, banking disputes, consumer warranty violations, personal bankruptcy, and more.
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James R. Walczak
Erie, PA Bankruptcy Lawyer with 48 years of experience
Bankruptcy, Administrative, Business and Construction
Georgetown University Law Center and The University of Denver Sturm College of Law
Mr. Walczak concentrates his practice in the areas of corporate governance, business transactions and finance, and creditors' rights.
Mr. Walczak acts in the capacity of general counsel for a number of business, non-profit and governmental organizations, providing legal advice on corporate, transactional and tax matters. Mr. Walczak is listed in the Bond Buyer Municipal Market Place Guide (commonly known as the municipal bond attorney's Red Book), and regularly provides tax advice and board counsel tax opinions with respect to tax-exempt financing transactions.
Mr. Walczak also represents creditors in complex creditor-debtor matters, including the negotiation of workout agreements and the representation of creditors...
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Brett Freeman
Lake Ariel, PA Bankruptcy Attorney with 14 years of experience
Bankruptcy, Appeals and Consumer
Indiana University Maurer School of Law and Pennsylvania State University - University Park
Brett Freeman has been a consumer protection attorney since 2010. He helps consumers who are dealing with credit reporting errors, credit card billing errors and creditor or debt collector harassment. He also helps defend people from debt collection lawsuits, or file bankruptcy cases. He offers free consultations, and is willing to accept payment plans.
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Anthony Gil
Philadelphia, PA Bankruptcy Lawyer with 18 years of experience
Two Penn Center, Suite 900
1500 John F. Kennedy Blvd.
Philadelphia, PA 19102
Free ConsultationBankruptcy, Collections, Consumer and Criminal Defense
Villanova University School of Law
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Michael Schwartz
Perkasie, PA Bankruptcy Lawyer with 32 years of experience
Free ConsultationBankruptcy and Foreclosure Defense
Widener University Delaware School of Law
Known by his clients for providing caring and dedicated legal services, attorney Michael S. Schwartz enjoys helping people in Bucks County and the surrounding counties who are struggling with unmanageable debts. Mr. Schwartz has over 20 years of legal experience, and practices exclusively in the field of debt relief services and provides legal support for individuals facing foreclosure, bankruptcy, and other financial pressures.