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White Plains, New York 10601
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Dear Clients & Friends-

Given the rapidly evolving Covid-19 scenarios, it is important to us for you to know we are closely following the recommendations of the CDC, WHO, State of New Jersey, State of New York and other healthcare entities to minimize the risk of transmission and protect the health, safety and well-being of our employees, clients and visitors.

This is a priority to us.

An equal and concurrent priority is our ability to continue to successfully address your legal and business matters. If and when it becomes necessary to work remotely, we are immediately prepared to seamlessly serve you with the same vigor and effectiveness we have always demonstrated.

Regardless of how current events unfold, we are and will continue to be completely and immediately available to you, whether by phone, email or otherwise, exemplifying the type of prompt, zealous and courteous representation you should expect from all legal counsel.

As always, if we can assist you in any way, please let me know directly.

Stay safe and be well.

Geoffrey D. Mueller


Student Loan Found as "Special Circumstance" in Chapter 7 Discharge - In re Howell, 11-12685 B

Per The New York Law Journal:

"A Western District bankruptcy judge has found that a debtor's non-dischargeable student loan obligation is a "special circumstance" that can overcome the statutory presumption of abuse when a higher-income debtor attempts to eliminate financial obligations under Chapter 7 of the U.S. Bankruptcy Code.

"Chief Judge Carl Bucki's recent decision in In re Jeffrey Howell and Rebecca Howell, 11-12685, is the latest in a plethora of rulings on an issue that has divided courts all over the country. Bankruptcy judges in Alabama, Illinois, Indiana, Delaware, Oklahoma and Georgia have reached the same conclusion as Bucki; judges in Pennsylvania, Ohio, Arizona, Kansas and New Hampshire have come to the opposite conclusion."

More after the jump, including the full decision...