Student loans are treated differently in bankruptcy, but they are not always untouchable. Here is how the undue hardship standard works in Pennsylvania, New Jersey, and New York.

Facing a collection lawsuit? Learn how Pennsylvania generally protects wages from consumer creditors, and where the exceptions and bank accounts come in.

Facing foreclosure? Learn how Chapter 13 can pause a sale and help you catch up on missed mortgage payments, and where its limits are.

If you receive Social Security benefits and you're dealing with debt collectors, judgments, or even bankruptcy — one of the first things you need to understand is this: your Social Security is not automatically up for grabs. The law provides real protections. But those protections can evaporate if you're not careful about how you manage your money. Let's break it down — starting with the basics, then getting into what the rules look like in each state where I practice. First

How to Protect Yourself from Identity Theft Lawsuits in PA and NJ For years, I have helped clients fight back against lawsuits for credit cards they never opened. Maybe it’s an account you’ve never seen. Maybe it was opened years ago, sold again and again, and now—suddenly—you’re being sued. You show up to court and someone accuses you of being dishonest, and owing money, without ever proving the debt is really yours. At Ames Law Group, we take these cases seriously. If you'r