Our firm handles legal matters in the following practice areas: Bankruptcy, Debtor/Creditor's Rights, Consumer Class Actions, Personal Injury, Legal and Medical Malpractice and Real Estate Fraud, Social Security Disability, Criminal Law, DUI.

A FULL SERVICE LAW FIRM

McCullough & Eisenberg is a comprehensive, yet personalized law firm, catering to the needs of persons who require advice, counsel, protection, and representation in matters involving bankruptcy, consumer debt and business debt, and persons who have been victimized by mortgage companies, banks, lawyers, or other individuals or businesses. These matters are handled individually or as class actions.

The core of our debtor representation is consumer bankruptcy of which McCullough & Eisenberg has handled thousands of debtors in Chapter 7 and Chapter 13 Bankruptcies[1], making it one of the most comprehensive and successful bankruptcy law firms in the region. Bankruptcy can eliminate certain debt such as credit card debt, some tax debt, and even second mortgages and home equity loans under defined circumstances. Bankruptcy can provide a means of saving assets, such as your home and motor vehicles, when debtors have incurred arrears by providing a means by which the consumer can repay - cure - past due amounts over a period of time

Accordingly, McCullough & Eisenberg assists debtors in resolving issues that are mortgage-related, or involve the over-extension or over-expenditure of credit card and revolving charge debt, overcharging by creditors, and other debt-related issues. McCullough & Eisenberg has expertise in the federal "Fair Debt Collection Practices Act", the "Fair Credit Reporting Act", "RESPA", and Pennsylvania and New Jersey's Consumer Protection statutes.

As a result, McCullough & Eisenberg has established itself as a foremost consumer-oriented, Class Action law firms in national and regional actions against mortgage companies[2] for imposing wrongful charges and overcharges on borrowers whom the United States Congress calls "the least sophisticated consumer": The American consumer is thus virtually helpless in the consumer's dealings with his/her mortgage company, bank, credit card issuer, and other debt collectors unless the debtor has the protective support of law firms such as McCullough & Eisenberg, P.C.

McCullough & Eisenberg has an extensive history of successful real estate actions involving the sale and purchase of real property, aggressive litigation in protecting the rights of persons who may have been the subject of real estate fraud, and, coordinated, with its all-embracing debtors' rights' bankruptcy representation, the preservation of the rights of property owners against foreclosure, and the imposition of wrongful liens and other charges upon one?s real property.

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[1] Stuart A. Eisenberg has practiced in the United States Bankruptcy Court since 1967; Carol B. McCullough has practiced in the United States Bankruptcy Court since 1989.

[2] The companies that have been the subject of these class actions include, but are not limited to, Chase Home Finance, LLC, Washington Mutual Home Loans, Inc., GMAC Mortgage Corporation, Homecomings, and Wells Fargo Home Loans.

Because of the in-depth experience achieved in creditor-debtor relations, McCullough & Eisenberg has been retained to represent the interests of certain mortgage companies to provide advice and guidance for their consumer lending practices, and has successfully represented certain mortgage servicers in defense of claims brought against them when, of course, there is no conflict of interest.

In addition, the combined experience of approximately fifty (50) years of this father-daughter law firm is available to provide the members of the community with a much more diverse and available range of legal services, in addition to those set forth above:

• McCullough & Eisenberg has successfully prosecuted personal injury cases to recover for the victim of another person's negligence damages available to compensate the client injury, pain and suffering, loss of work, and other damages sustained.

• McCullough & Eisenberg has had a full range of representation in Worker's Compensation matters, representing injured employees and health care providers, to ensure a broad breadth of knowledge and experience in acting on the injured persons behalf, with comprehensive knowledge on what to expect from the defense perspective.
• McCullough & Eisenberg, provides comprehensive and experienced representation to small businesses, including corporate and transactional activities, and representation in Chapter 11.
• Finally, McCullough & Eisenberg provides all-inclusive estate planning and administration, such as the preparation of Wills and Trusts, probate, administration of testate and intestate estates, estate fraud, and related matters.

                McCullough & Eisenberg, P.C. always provides initial free consultation, and provides the client and prospective client with flexibility of convenience of meeting times and place.