Author Archives: Jay Butchko
Can You Modify Your Chapter 13 Repayment Plan if Your Income Changes?
The main purpose of a Chapter 13 case is to obtain a confirmed repayment plan. A Bankruptcy Court Order that confirms a repayment plan is like a new contract between yourself and your pre-petition creditors. The Bankruptcy Code maintains a disposable income test, which is a review of your current monthly income less your… Read More »
Can You Switch From Limited Tort to Full Tort in Pennsylvania?
If you picked limited tort when you first bought your Pennsylvania auto insurance, you might be wondering if you can switch to full tort. The good news is, yes, you can. Pennsylvania law allows you to change your tort selection, but keep in mind that the switch generally applies prospectively rather than retroactively to… Read More »
What Happens After a First-Time DUI Arrest in Pennsylvania?
Getting arrested for a first-time DUI in Pennsylvania can be overwhelming, especially if you’ve never dealt with the criminal justice system before. The good news, however, is that an arrest doesn’t equal a conviction. That said, understanding the process and your legal options can help you make informed decisions that may protect your future…. Read More »
Can You Still Access Credit After Filing Bankruptcy? What Pennsylvania Consumers Should Know
It’s normal to wonder what’s going to happen to your credit cards if you’re thinking about filing for bankruptcy, particularly your commonly used credit card that you have paid down to a zero balance before you file bankruptcy. The question is whether you continue to use your credit card post-bankruptcy while your other debts… Read More »
How To Prove Serious Injury Under Pennsylvania’s Limited Tort Rule
Pennsylvania’s auto insurance system can feel confusing, especially when you’re trying to understand limited tort versus full tort coverage. However, it’s vital that you understand these coverages. One of the most crucial concepts for accident victims to understand is the “serious injury” threshold under the limited tort coverage. The “serious injury” standard can decide… Read More »
Defending Your Innocence in Pennsylvania: Practical Strategies That Can Make a Difference
Getting charged with a crime in Pennsylvania can be scary, especially when you know you didn’t do anything wrong. False accusations and mistaken arrests occur more often than people realize, leaving individuals worried about their future. The good news, however, is that the law provides several ways to fight back and avoid a wrongful… Read More »
Understanding Personal Injury Protection (PIP) Coverage in Pennsylvania
A car accident can change your life in an instant. Between medical appointments, missed work, and unexpected bills, the financial pressure often begins before fault is established. In Pennsylvania, Personal Injury Protection (PIP) coverage is intended to offer immediate financial assistance following a car accident, allowing injured drivers and passengers to access benefits quickly…. Read More »