Client Reviews from Google – August 2017 Latest Client Review from Google of Vincent Rubino Nobody wants to go through bankruptcy, but if you must then I highly recommend Vince Rubino and his team. In fact, determining if you really must file bankruptcy is something that Vince takes very seriously — he does not take…

PENNSYLVANIA BANKRUPTCY LAW A recent bankruptcy case from New York State, In re Addams, 564 B.R. 458 (Bankr. E.D. N.Y 2017), confirmed that it is not possible to utilize a bankruptcy case to bifurcate a home mortgage – divide it between a partially secured and partially unsecured claim. In other words, a mortgage balance cannot…

Bouncing a check is a criminal offense in Pennsylvania. Under 18 Pa.C.S.A. Section 4105(a), “A person commits an offense if he issues or passes a check . . . knowing that it will not be honored by the drawee.” The “drawee” is the bank, credit union or other institution holding the account against which the…

Occasionally I meet potential clients who, in an effort to “protect” their home or car, have transferred it to a friend or family member. Unless the transfer occurred more than 4 years prior (the applicable statute of limitations in PA), it is problematic for several reasons: (1) A transfer made by someone who is “insolvent”…

Pennsylvania law provides certain protections for marital property. Property owned by married couples in PA – whether real estate or personal property, such as furniture and vehicles – is considered “entireties property”, which protects such property from the collection efforts of a creditor of only one spouse. For instance, if the husband owes a medical…

Can IRS debt be discharged in bankruptcy? We all should know that working people must file income tax returns each year.  However, often times people who will OWE the IRS money decide that it is best NOT to file their return, perhaps under the theory that the IRS gods will become angry if they see…