Modena Bankruptcy Lawyers

Christopher C. Carr
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Christopher C. Carr
Downington, PA Bankruptcy Attorney with 33 years of experience
(610) 380-7969 3240 Tyning Lane
Downington, PA 19335
Bankruptcy, Business, Consumer and Foreclosure Defense
Ohio State University - Columbus
I am a Federally designated Debt Relief Agency Attorney, with experience in Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Mortgage Modification, Debt Settlement, Fair Debt Collection/Debtors Rights. I also work in Small Business, Intellectual Property (including software licensing and entertainment law) and Elder Law. I take a compassionate view on all problems presented to me and many of my clients past and present have become personal friends. I am also an MBA with several years of practical experience as a Financial Planning Analyst with the NCR Corporation and this background provides me with unique insights into the economics of law which most...
Jay G Fischer
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Jay G Fischer
Downingtown, PA Bankruptcy Lawyer with 48 years of experience
(610) 269-0900 342 East Lancaster Ave
Downingtown, PA 19335
Free ConsultationBankruptcy, Business, Elder and Foreclosure Defense
The University of Toledo College of Law
Sarah Jane Cauffman
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Sarah Jane Cauffman
Downingtown, PA Bankruptcy Attorney with 15 years of experience
(484) 866-8770 701 East Lancaster Avenue
Downingtown, PA 19335
Free ConsultationBankruptcy and Estate Planning
Widener University Delaware School of Law
Sarah Jane's legal experience began in 1983 in various law firms while undertaking her undergraduate and legal educations. While at Widener University School of Law, she served in the Bankruptcy Division of the Civil Law Clinic for a year, which included interviewing clients, preparing Bankruptcy Petitions, and appearing at creditors hearings. Sarah Jane developed a sense of deep gratification in helping people obtain relief from their distressing financial situations and seeing them gain hope for their futures. Sarah Jane lives on a small farm in Elverson with her husband, daughter, 2 cows, 3 ducks, 5 cats, 6 chickens and...
Karim P. Husain
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Karim P. Husain
West Chester, PA Bankruptcy Lawyer with 27 years of experience
(610) 308-9747 535 N Church St
West Chester, PA 19380
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...
Peter Barbieri
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Peter Barbieri
Exton, PA Bankruptcy Attorney with 46 years of experience
(610) 280-7078 657 Exton Commons
Exton, PA 19341
Free ConsultationBankruptcy, Animal, Employment and Personal Injury
National Legal Officers College and Widener University Delaware School of Law
Matthew L Conley
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Matthew L Conley
Exton, PA Bankruptcy Attorney with 19 years of experience
(610) 524-3200 300 N. Pottstown Pike, Suite 220
Exton, PA 19341
Free ConsultationBankruptcy, Estate Planning and Tax
Villanova University School of Law
Conley Law Practice, LLC is a general practice law firm with a special emphasis in the following practice areas: - Estate Planning & Administration - Tax Controversy - Bankruptcy It is our goal to provide clients with a cost-effective, first-rate legal product while providing the utmost in client satisfaction. Our practice concentrates in the areas of estate planning, estate administration, tax planning, tax controversy and bankruptcy. Call today and let us know how we can help you.
Steven H. Rubin
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Steven H. Rubin
West Chester, PA Bankruptcy Attorney with 34 years of experience
(610) 701-5818 1109 Saunders Court
Suite 206
West Chester, PA 19380
Bankruptcy, Estate Planning and Family
Villanova University School of Law and Syracuse University College of Law
Vincent Carosella
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Vincent Carosella
West Chester, PA Bankruptcy Lawyer
(610) 431-3300 882 South Matlack Street
Suite 101
West Chester, PA 19382
Bankruptcy, Business, Estate Planning and Real Estate
Carosella and Associates, P.C. is a law firm licensed to practice in Pennsylvania and New Jersey. Our attorneys are experienced in Business Law, Criminal Law, Family Law, Real Estate, Estate Law and Immigration. We help our clients with incorporations, business contracts, real estate contracts, business buy/sell agreements, business succession planning, estate planning, wills, trusts, probates, real estate, leases, contracts, divorce, adoptions, bankruptcy issues and a lot more.
Michael E Houghton
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Michael E Houghton
Phoenixville, PA Bankruptcy Attorney with 16 years of experience
(484) 432-5817 1104 Rapps Dam Rd.
Apt. 5
Phoenixville, PA 19460
Free ConsultationBankruptcy, Appeals, Collections and Criminal Defense
Widener University Delaware School of Law
Timothy E Wilfong
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Timothy E Wilfong
Phoenixville, PA Bankruptcy Attorney with 16 years of experience
(610) 935-5555 20 South Main Street
Phoenixville, PA 19460
Bankruptcy
Widener University Delaware School of Law
Tim is an attorney licensed in Pennsylvania and primarily serves Chester and Montgomery Counties. His office is located in Phoenixville, Pennsylvania. His law practice is dedicated to helping individuals solve their debt problems. Tim earned his Juris Doctorate from the Widener University School of Law at night while working full-time as a securities compliance administrator at Vanguard Brokerage Services in Malvern, Pennsylvania. He was at Vanguard for 7 years prior to becoming an lawyer. Tim primarily practices in the areas of debt defense including personal Bankruptcy (Chapter 7 and Chapter 13 Bankruptcy), collection...
Ty Workman
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Ty Workman
Chadds Ford, PA Bankruptcy Lawyer with 21 years of experience
(484) 202-6992 225 Wilmington West
Chester Pike, STE 200
Chadds Ford, PA 19317
Bankruptcy, Business, Collections and Employment
Attorney with 11+ years as in-house counsel covering a range of practice areas. As a lawyer and former small business owner/partner, I apply a blend of business and legal acumen in counseling small to mid-size businesses.

Concord Law's model is designed for the needs of small to mid-size businesses. We will visit a client's office to discuss, assess, and counsel on legal concerns for their business. With recurring visits on reserved days and times, this segment of the business community can have access to consistent legal services at affordable and manageable rates.
Richard N. Lipow
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Richard N. Lipow
Malvern, PA Bankruptcy Attorney
(610) 251-2500 629 Swedesford Rd
Swedesford Corporate Center
Malvern, PA 19355
Bankruptcy
Stan Luongo
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Stan Luongo
West Chester, PA Bankruptcy Attorney with 36 years of experience
(610) 430-6600 126 W. Miner St.
West Chester, PA 19382
Bankruptcy and Personal Injury
Farzana Qaizar Hassonjee
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Farzana Qaizar Hassonjee
Chadds Ford, PA Bankruptcy Lawyer
(610) 361-8079 125 Commons Court
Chadds Ford, PA 19317
Bankruptcy, Business, Family and Immigration
Joseph Francis Claffy
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Joseph Francis Claffy
West Chester, PA Bankruptcy Attorney
(610) 429-0900 100 South High Street
West Chester, PA 19382
Bankruptcy
Cheryl Rowe
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Cheryl Rowe
Lancaster, PA Bankruptcy Attorney with 29 years of experience
(717) 382-8360 8 N. Queen Street, Suite 1102
Lancaster, PA 17602
Free ConsultationBankruptcy, Divorce, Estate Planning and Family
Dickinson School of Law
For over 25 years, I have helped many clients with a variety of legal matters. I understand the stress and anxiety that a client goes through in the midst of these life changing events. My practice focuses on Divorce, Custody, Support, Bankruptcy and Estate Planning as well as Estate Administration. I have extensive trial experience, but I am committed to helping each client resolve their matters out of court whenever possible. Focusing on each client's particular needs and desires, in addition to a deep commitment to client service, is the foundation of my practice. Listening and working together with the client...
Brad Jonathan Sadek
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Brad Jonathan Sadek
Springfield, PA Bankruptcy Attorney with 21 years of experience
(610) 432-3111 1489 Baltimore Pike
#218
Springfield, PA 19064
Free ConsultationBankruptcy and Foreclosure Defense
Rutgers University - Camden
Proudly helping residents of the Philadelphia and Southern New Jersey region for over 20 years! Sadek Law Offices, LLC provides high quality legal services, including Consumer Bankruptcy Law and Business Bankruptcy Law, among other legal fields to clients throughout Philadelphia, PA and surrounding areas, including, Montgomery, Bucks, Chester, Delaware Counties and Southern New Jersey. Our primary law office is conveniently located near public transportation and attractions in Center City Philadelphia, PA. Our lawyers are readily available for our clients and understand that you may not be in the most ideal situation. Our office offers a free consultation with a...
Russell E. Farbiarz
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Russell E. Farbiarz
Wyomissing, PA Bankruptcy Attorney with 17 years of experience
(610) 562-2000 928 Penn Ave.
Wyomissing, PA 19610
Bankruptcy, Elder, Estate Planning and Probate
Roger Williams University School of Law
Russell E. Farbiarz, Esq. provides advice and counsel to families and individuals looking for creative and effective solutions to their legal problems. Mr. Farbiarz considers it a privilege to assist his clients with what is often the largest problem or, in many cases, opportunity they have faced – whether it be the death of a loved one, the purchase of a residential or commercial property, purchase of a business, or a divorce, custody or support matter – and is committed to helping his client achieve their objectives. Indeed, as one recent client wrote in a testimonial: “If you are looking...
Ellis B. Klein
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Ellis B. Klein
Doylestown, PA Bankruptcy Attorney with 30 years of experience
(800) 536-0501 25 W Court St
Doylestown, PA 18901
Free ConsultationBankruptcy, DUI & DWI, Foreclosure Defense and Traffic Tickets
Widener University Delaware School of Law
25 office locations throughout Pennsylvania. Call for nearest office location. I am a former Senior Deputy District Attorney with personal experience in over 10,000 court cases, ranging from minor traffic offenses to homicide. In addition to criminal and traffic defense, I have been practicing Bankruptcy since 1999 and have helped thousands of clients get a Fresh Financial Start. My practice is limited to Criminal, DUI, Traffic and Bankruptcy cases. I am NOT a general practitioner who handles many different types of law. Criminal and Bankruptcy law is the only law that I have practiced since I became a lawyer over...
Mark A. Buterbaugh
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Mark A. Buterbaugh
Lancaster, PA Bankruptcy Lawyer with 15 years of experience
(877) 632-4656 36 East King Street
Suite 102
Lancaster, PA 17603
Free ConsultationBankruptcy, Personal Injury and Workers' Comp
Widener University Commonwealth Law School
Managing Partner at Mooney Law. Created and manages the firm's Workers Compensation practice. Selected as a Rising Star in Pennsylvania and as a Super Lawyer by the prestigious national magazine, Super Lawyers. Only 5% of Pennsylvania Lawyers are selected as Super Lawyers and only 2.5% of Pennsylvania Lawyers are selected as Rising Stars. Practice and barred in both the Commonwealth of Pennsylvania and the State of Maryland. Has recovered tens of millions of dollars in workers compensation benefits for injured workers throughout Pennsylvania and Maryland. Practices Workers Compensation litigation in both Pennsylvania and...
Alan I. Moldoff
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Alan I. Moldoff
Bala Cynwyd, PA Bankruptcy Attorney with 47 years of experience
(215) 923-2513 11 Bala Ave
Bala Cynwyd, PA 19004
Bankruptcy and Business
Rutgers School of Law-Newark
Kandis L. Kovalsky
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Kandis L. Kovalsky
Philadelphia, PA Bankruptcy Lawyer with 11 years of experience
(215) 525-5850 123 S Broad St
#1950
Philadelphia, PA 19109
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...
Mr. Brent C Diefenderfer
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Mr. Brent C Diefenderfer
York, PA Bankruptcy Lawyer with 20 years of experience
135 N. George Street
York, PA 17401
Bankruptcy, Collections, Consumer and Foreclosure Defense
Dickinson School of Law
Brent practices a client-first approach in the practice of law. He identifies multiple courses of action; gives straightforward advice and diligently works to achieve results. Brent is detailed oriented and ensures his clients’ matters are handled correctly, efficiently and in a cost-effective manner. His diverse clientele includes individuals, businesses and government entities in the following representative matters: Bankruptcy, Debt Restructuring & Financial “Workouts”. Brent represents individual and business clients in implementing a debt reduction strategy that is appropriate to their unique situation - including Bankruptcy under Chapters 7, 13 or 11 of the Bankruptcy Code,...
Sean Quinlan
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Sean Quinlan
York, PA Bankruptcy Attorney with 25 years of experience
(717) 202-2277 1 East Market Street
York, PA 17401
Free ConsultationBankruptcy, Criminal Defense, DUI & DWI and Traffic Tickets
Widener University Commonwealth Law School
Charles Laputka
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Charles Laputka
Allentown, PA Bankruptcy Attorney with 21 years of experience
(610) 978-6726 1344 Hamilton Street
Allentown, PA 18102
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.

Louis J. Rizzo Jr
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Louis J. Rizzo Jr
Philadelphia, PA Bankruptcy Lawyer with 32 years of experience
(215) 495-6500 2929 Arch St
13th Floor
Philadelphia, PA 19104
Bankruptcy, Business and Insurance Defense
Villanova University School of Law
Daniel Edward Mueller
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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...
Ross J. Switkes
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Ross J. Switkes
Bala Cynwyd, PA Bankruptcy Lawyer with 13 years of experience
(215) 923-2513 11 Bala Ave
Bala Cynwyd, PA 19004
Bankruptcy
Seton Hall University School of Law
W. J. Winterstein Jr.
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W. J. Winterstein Jr.
Boyertown, PA Bankruptcy Lawyer with 47 years of experience
(484) 415-0144 P.O. Box 285
Boyertown, PA 19512
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...
Mark Medvesky
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Mark Medvesky
Pottstown , PA Bankruptcy Attorney with 31 years of experience
(610) 323-7466 635 E. High Street
Pottstown , PA 19464
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...
Daniel D. Haggerty
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Daniel D. Haggerty
Philadelphia, PA Bankruptcy Lawyer with 30 years of experience
(215) 525-5850 123 S Broad St
#1950
Philadelphia, PA 19109
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...
Craig A. Doll
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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...
S. Joseph Litvak
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S. Joseph Litvak
Bensalem, PA Bankruptcy Attorney with 9 years of experience
(215) 515-7113 3070 Bristol Pike
Ste. 1-204
Bensalem, PA 19020
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...
Beth A. Hurley
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Beth A. Hurley
Philadelphia, PA Bankruptcy Lawyer with 20 years of experience
(215) 874-3024 123 S Broad St
#1950
Philadelphia, PA 19109
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.
Brent Vullings
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Brent Vullings
Collegeville, PA Bankruptcy Lawyer with 22 years of experience
(855) 324-7263 3953 Ridge Pike, Suite 102
Collegeville, PA 19426
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.
Philip W. Fisher
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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...
Curtis Elwyn Barnes
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Curtis Elwyn Barnes
Reading, PA Bankruptcy Attorney
(610) 775-9316 530 Walnut Street
Reading, PA 19601-3419
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...
Joseph A Mullaney III
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Joseph A Mullaney III
Media, PA Bankruptcy Attorney with 23 years of experience
(610) 616-5303 211 West State Street
Media, PA 19063
Free ConsultationBankruptcy and Consumer
Widener University Delaware School of Law
Michael T. Malarick
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Michael T. Malarick
Boothwyn, PA Bankruptcy Attorney with 38 years of experience
(610) 816-6683 2211 Chichester Avenue
Suite 201-B
Boothwyn, PA 19061
Free ConsultationBankruptcy, DUI & DWI, Divorce and Personal Injury
Temple University Beasley School of Law
Michael T. Malarick, Esquire, is a licensed attorney in PA and NJ with over 25 years of experience. The law office of Michael T. Malarick, is a Delaware County law firm located in Boothwyn, PA. Michael Malarick handles civil law cases including: car accidents, landlord tenant matters, personal injury, slip and fall, subrogation, workers compensation, social security disability, and wills & estates. As a bankruptcy attorney, Michael Malarick handles Chapter 7 bankruptcy and Chapter 13 bankruptcy cases. Under criminal law, Michael T. Malarick handles DUI & DWI cases, record expungements, and driver license suspensions. Under family law, the law office...
Michael Schwartz
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Michael Schwartz
Havertown, PA Bankruptcy Lawyer with 32 years of experience
(610) 352-1021 Keller, Lisgar and Williams
101 E. Darby Road
Havertown, PA 19083
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.
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