Author Archives: Jay Butchko
What Happens if You Fail the Chapter 7 Bankruptcy Means Test
Filing for bankruptcy is never an easy decision, as it can have a significant impact on one’s financial future. If you’re struggling with mounting bills, persistent calls from collectors, or increasing debt despite regular payments, bankruptcy can seem like the best course of action. In particular, you may be considering Chapter 7, often referred… Read More »
Understanding Protection from Abuse (PFA) Orders vs. Protection from Sexual Violence or Intimidation (PSVI) Orders in PA
If you are experiencing abuse, harassment, or threats in Pennsylvania (PA), you should know that there are legal protections available. Two vital options under Pennsylvania law are the Protection from Abuse (PFA) Order and the Protection from Sexual Violence or Intimidation (PSVI) Order. Both orders aim to protect victims, but they apply in different… Read More »
Pennsylvania’s Wildcard Exemption: What It Is and How To Use It
Many people burdened with debt without any prospect of getting out of it pursue bankruptcy. Statistics estimate that in the year ending June 2025, over 540,000 bankruptcies were filed in the U.S. Most of these cases were filed by individuals. However, filing for bankruptcy can be really daunting. You may be concerned about losing… Read More »
What Happens if You Choose Limited Tort and Get Seriously Injured in PA?
When purchasing a tort-based policy in Pennsylvania, drivers must decide whether to get Limited Tort or Full Tort coverage. A tort-based policy protects you when you are injured in an accident due to another driver’s negligence. However, in Pennsylvania, having Limited Tort coverage can restrict your ability to recover compensation after a car accident…. Read More »
What Is the Burden of Proof in Pennsylvania Criminal Cases?
In Pennsylvania, when someone is charged with a crime, specific standards must be met before they can be convicted. One of the most crucial legal concepts involved in Pennsylvania criminal cases is the concept of “burden of proof.” This concept plays a vital role in determining whether the defendant should be convicted or acquitted… Read More »
How Can Chapter 13 Bankruptcy Help You Catch Up on Mortgage Payments in PA?
Suppose you have fallen behind on mortgage payments and the bank is demanding that you clear your arrears. If you don’t have money but want to stay in your house, you may be wondering what to do. If this is your situation, Chapter 13 bankruptcy could be what you need to save your home…. Read More »
Common Mistakes to Avoid After a Car Accident in Pennsylvania
Being involved in a car accident can be overwhelming. A car crash can leave you disoriented and unsure of what to do next. In the aftermath of a car accident, it is easy to make mistakes that can affect your health and ability to recover financial compensation. If you have been involved in a… Read More »
Surviving the Post-Confirmation Shakedown
Projected disposable income is an issue that arises at the confirmation hearing under 11 U.S.C. § 1325(b)(1)(B), which is analyzed upon a condition precedent of an objection being filed.[1] As the U.S. Supreme Court case of Hamilton v. Lanning case illustrates, the projected disposable income test is as of the “effective date” of the… Read More »
What Are Your Rights After an Arrest in Pennsylvania?
Being arrested can be a scary and confusing experience, especially if you don’t understand your legal rights. In Pennsylvania, the Constitution accords individuals several rights in the event of an arrest. Understanding these rights is crucial for protecting yourself and building a strong defense against any criminal charges you may face. The following are… Read More »
Do You Get Rid of All Debts by Declaring Bankruptcy?
Bankruptcy can provide financial relief from overwhelming debts by liquidating some non-exempt assets to pay off a portion of your debts or restructuring your debt payment plan. If your debts have become unmanageable, bankruptcy may be worth considering. However, it’s essential to understand that bankruptcy doesn’t make all your debts disappear. While you can… Read More »