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W. J. Winterstein Jr.

W. J. Winterstein Jr.

Montgomery and Berks County, Experienced practitioner in Civil matters
  • Bankruptcy, Business Law, Collections ...
  • Pennsylvania
Review This Lawyer
Reviewed by Mark E. May 19, 2021
The case ended very well for me
I hired Mr. Winterstein to handle my chapter 13 bankruptcy case and the case ended very well for me. This was the first time I'd ever needed to hire an attorney and knew little to nothing about courts or bankruptcy so I had a LOT of questions through the process which Mr. Winterstein answered promptly and made sure I understood the answers, why it mattered, and what would would come next. This allowed me to plan and prepare for reach step so there were no surprises or undue stress along the way. It also meant that the various motions he recommended filing were granted leading to a final settlement that was more favorable to me than I believed was even possible. It was not a simple case and as I said I asked a lot of questions so the final bill was higher than I'd expected at the start, but he did always make it clear when more hours would be used to bring a motion/battle, what the likely return would be, and didn't recommend anything that didn't end up delivering a positive financial return on the cost of the hours invested. Overall it was as positive an experience as I could have hoped for.
Reviewed by Jason B. May 17, 2021
If you need a Lawyer you need to contact Bud Winterstein
In 2017 I did not know where to turn, I received a letter staring that my mortgage company was going to foreclose on my house. I have two kids and a stay at home wife and boy was I terrified. I had no where to go, no money to pay them the back payments and was hopeless. I went looking for a lawyer and luckily I came across Bud's profile. I was looking for an experienced lawyer who understood the bankruptcy process but also someone who understood what I was going through and not just a number. From the first time I met Bud I know he was the right choice, he sat with me for a couple of hours explaining the process and putting my mind at ease. He worked through the forms came up with a monthly payment plan that would work for me and ensured that debts will be paid back and that in five years I will finally be able to start living! Not only did Bud help me in the beginning and during the bankruptcy process but he continues to help anytime an unexpected Motion pops up. He answers his phone whenever I call, replies to email quickly and ensures that any motion is answered in a timely manner (days before they are even due). Most people say they will be there for you and usually let you down, I can assure you that this will not happen with Bud. If you are feeling hopeless, scared, nervous, worried and feel like there is no place to turn then you need to reach out to Bud today, he will meet with you, go over your case, give you real advice and work through every last step side by side with you. I would not be on the right track I am on today if it wasn't for Bud, I feel very comfortable giving this review as I have been to ROCK BOTTOM and with Bud's help I see a way out when I did not see a way before.
Claimed Lawyer ProfileOffers Video ConferencingQ&ALII SilverResponsive Law

A solo practitioner, I work from a home office in Boyertown, PA, about 30 miles from center-city Philadelphia, and most of my cases are litigated in Philadelphia and Reading courts. With the assistance of local counsel, I also handle matters in Delaware. I have over 30 years experience in both state and federal courts; bankruptcy and mortgage foreclosure/workout are a large part of my practice. There isn't much I haven't seen, or done. PLEASE CONTACT ME BY EMAIL FIRST, as that is my preference, and more reliable for each of us.

Practice Areas
    Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief
    Business Law
    Business Contracts, Business Dissolution, Business Finance, Business Formation, Business Litigation, Franchising, Mergers & Acquisitions, Partnership & Shareholder Disputes
    Foreclosure Defense
    Consumer Law
    Class Action, Lemon Law
    Probate Administration, Probate Litigation, Will Contests
Additional Practice Area
  • General Civil
Video Conferencing
  • Skype
  • Free Consultation
    I am happy to chat with you about your issues, for no charge, for up to one hour.
Jurisdictions Admitted to Practice
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Professional Experience
Law Office of W.J. Winterstein, Jr.
- Current
Over 30 years experience in bankruptcy reorganizations, out of court workouts, debtor/creditor, civil practice in all state and federal courts in PA, OK, with practice encompassing NJ and DE through local counsel. Admitted to Third Circuit, Tenth Circuit, and U.S. Supreme Court, and all lower courts in PA.
Oklahoma City University School of Law
Honors: Graduated with honors, 2nd of 208, 1976
Oklahoma City University School of Law Logo
Professional Associations
PA Bar Association
- Current
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Eastern district of PA Bankruptcy Conference
- Current
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Legal Answers
139 Questions Answered
Q. Do I make payments on my car during bankruptcy proceedings.
A: The Bankruptcy Code gives a Ch. 7 debtor three choices of how to handle a secured claim- surrender the collateral to the creditor in full satisfaction of the secured claim; redeem, i.e., pay the secured claim in cash, or reaffirm the debt. Perfected liens against collateral are NOT discharged in bankruptcy, to the extent of the fair market value of the collateral. if you want to keep the car, you must continue to make timely payments to the secured creditor. You will be fortunate if the creditor permits you to exercise the "fourth option", e.g., keeping the collateral just by continuing monthly payments, without reaffirming or redeeming.
Q. Hi, I am 59 yrs old and in disability, I earn SSD & LTD. am over $50000 in debit including $7900 IRS from 2017.
A: Unpaid federal income tax debts become dischargeable two years and four months after the tax return is filed with the IRS. If you have filed the 2017 return more than 2 years and four months before you file a bankruptcy, the tax debt should be dischargeable, but only IF the IRS has not filed a lien against you, and the lien attaches to property you own.
Q. I'm a joint applicant on my daughter's car loan. Are they going to consider this my exempted vehicle for bankruptcy?
A: If you file a Ch. 7 case, you are entitled to claim a vehicle, up to a certain amount, as exempt, if you have an ownership interest in that vehicle. If your name is not on the title of the car, as a joint owner, you can probably not claim it as exempt property. If you file a Ch. 13, there will be a co-debtor stay, protecting your daughter and others who may be jointly obligated with you on any outstanding debts, so long as those debts are dealt with by your plan. But you will still be unable to claim the car as exempt if you do not hold an ownership interest, or at least possession, of the car.
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Contact & Map
Law Office of W.J. Winterstein, Jr.
P.O. Box 285
Boyertown, PA 19512
Telephone: (484) 415-0391
Monday: 6:30 AM - 9:30 PM
Tuesday: 6:30 AM - 9:30 PM (Today)
Wednesday: 6:30 AM - 9:30 PM
Thursday: 6:30 AM - 9:30 PM
Friday: 6:30 AM - 9:30 PM
Saturday: 6:30 AM - 9:30 PM
Sunday: 6:30 AM - 5 PM
Notice: I work from my home office at this point.
Law Office of W.J. Winterstein, Jr.
PO Box 1006
Royersford, PA 19468
Telephone: (484) 415-0391
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