What is “bankruptcy law” and how do I know if I need legal counsel?

Simply put, bankruptcy is a declared inability or impairment of ability of an individual or organization to pay their creditors.

If you’re dealing with spiraling debt, looming foreclosure, fear of property repossession, creditor harassment or other financial problems, filing a personal bankruptcy may be a necessary action for you. An experienced bankruptcy lawyer can advise you of your legal alternatives and help you find the best option for your unique situation.

Hear what our clients say about us.

Personal bankruptcy usually takes two forms:

Chapter 7: allows a debtor or debtors (a husband and wife who file jointly) to retain personal property, cars and real estate (depending on the net value of those assets) while discharging unsecured debts such as credit cards, medical bills and some taxes.
Chapter 13: involves establishing a “reorganization” or payment plan available for debtors who have fallen behind in payments on their mortgage and/or other debts. It may also allow the debtor to partially pay unsecured debts such as credit cards or medical bills.
If any of the above applies to your situation, Gultanoff and Associates can help. Here’s how:

We can determine quickly your eligibility for Chapter 7 or Chapter 13.
Once your case is filed, we make sure that harassing calls from creditors or their representatives cease immediately.
While in most cases the debtor is required to attend one court proceeding, we will be there with you.
Our fees are reasonable and are disclosed in writing at the initial meeting. We charge a flat fee for routine uncontested bankruptcy filings

More information here:https://cainlawoffice.com/

What defines a”Driving Under the Influence (DUI) and Traffic offense” and how do I know if I need legal counsel?

No arrest is a minor arrest if you, a family member, or friend is charged
with an offense. Therefore, it is
critical that you have an experienced
attorney who can speak for you.

In virtually all states, a conviction for DUI (driving under the influence) can have very severe and long-lasted consequences ranging from heavy fines and loss of driving privileges to an imposition of significant time in prison.

For example, in Pennsylvania, intoxication or impairment can be proven in one of two ways:

Blood alcohol level in excess of 0.08 for adults.
Blood alcohol level in excess of 0.04 for an individual driving a commercial vehicle.
Blood alcohol level in excess of 0.02 for an individual driving a school bus or school vehicle.
Blood alcohol level in excess of 0.02 for minors under the age of 21
Proof that the driver or operator was impaired from the use of alcohol, prescription or illegal drugs
You should not face a DUI arrest without experienced legal counsel. Do you know your rights? Gultanoff and Associates understands that your driver’s license is often essential to your life.

Traffic laws, however, vary from state to state; do you know what to do:

If you refuse to sign a traffic ticket?
After you receive a traffic ticket?
If you receive ‘points’ against your license?
If your license is revoked or suspended?
If you approach a checkpoint or roadblock?
If you are pulled over and the officer requests to search your vehicle?