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Archive for the ‘Haley Rohrbaugh’ Category

COVID-19 Update: The CARES Act and Bankruptcy

access_time Posted on: April 2nd, 2020

COVID-19 Update: The CARES Act and Bankruptcy Last month, March of 2020, The CARES Act was passed in light of the impacts of COVID-19. Specifically, there were changes affecting  Bankruptcies – both current and prospective cases. The CARES Act (the “Act”) excludes Coronavirus related payments from the definition of disposable income and the Bankruptcy Estate, i.e. the government stimulus check. Receiving the stimulus check within 6-months of filing a Chapter 7 Bankruptcy will therefore not disqualify a Debtor from filing a Bankruptcy under Chapter 7. While the Act does not explicitly state this applies to Chapter 13, most Trustees, even… read more »

Honoring American Veterans in Extreme Need Act of 2019

access_time Posted on: March 26th, 2020

Haven Act of 2019 In August of 2019, Congress rewarded our Veterans for their service by approving the “Honoring American Veterans in Extreme Need Act of 2019”, aka the “HAVEN Act”. The purpose of the Act is to exempt from the calculation of monthly income certain benefits paid by the Department of Veterans Affairs and the Department of Defense. The Act modified the definition of “Current Monthly Income” under the Bankruptcy Code to exclude VA benefits, in general.  What does this mean for our clients? In Bankruptcy, there are certain factors considered for whether our individual, consumer clients qualify for… read more »

COVID-19 Update: POAs in Troubled Times

access_time Posted on: March 25th, 2020

COVID-19 Update: POAs in Troubled Times On Tuesday, March 24, CGA’s estate attorneys participated in a Canon series teleconference, co-sponsored by our friends at ACNB Bank, outlining the very latest legal guidance on that most important of estate documents, the durable power of attorney (“POA”). The following are notes from that seminar.   1.  Irreplaceable.A POA allows us to appoint a trusted person like a spouse, parent, child, or other family member to help and assist us with decisions if we are unable to take action on our own. There is really no substitute for a valid POA; without one, family members… read more »

COVID-19 Update: Available and Committed to Serving You

access_time Posted on: March 19th, 2020

Governor Wolf has ordered all non-life sustaining businesses to close their doors due to the increasing threat of COVID-19.  The CGA Law Firm locations may be physically closed, but our legal team of attorneys and paralegals are working remotely and will continue to answer your phone calls and emails. You have our assurance that we will continue to be responsive to your legal needs and assist you in navigating these difficult circumstances. We remain committed to providing excellent legal services and are using advanced technologies creatively to serve our clients and community. Click here for a list of CGA attorneys… read more »

COVID-19 Update: A Message to Our Clients and Friends

access_time Posted on: March 18th, 2020

Paragraph CGA Law Firm remains committed to providing exceptional legal services to individuals, businesses and local government. Despite the significant impacts of the COVID-19 pandemic, we continue to devote the resources necessary to provide the services that you need, while endeavoring to protect the personal safety of our clients, employees and the communities that we serve. CONTACT US – As always, our Legal Team remains available via telephone, email, and teleconferencing during normal business hours, Monday-Friday 8:30 am-5:00 pm. Telephone: 717-848-4900, Email: info@cgalaw.com. Many of us are working remotely when possible, but essential staff remain in the office. The firm… read more »

How Bankruptcy Actually Improves Your Credit

access_time Posted on: June 3rd, 2019

Article by: Haley Rohrbaugh, Esquire A common misconception about Consumer Bankruptcy is that it devastates your credit. When I meet with potential clients for an initial consultation, most are surprised to find that a Bankruptcy filing will actually improve their credit score. Credit limit usage. Using more than 50% of allowed credit limits will negatively affect a consumer’s credit score. (For example, a credit card with a $1,000.00 credit limit holding a balance due of $500+ will cause credit scores to decrease); andDebt-to-income ratio. Having high levels of debt compared to household income will also decrease credit scores. However, the… read more »