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Home/Attorneys/Downs, Rachlin, and Martin
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Downs, Rachlin, and Martin

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Attorneys

90 Prospect avenuue, Saint Johnsbury, VT, 05819

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📚 Related legal guides

Background reading on the practice areas this attorney handles.

bankruptcy
Wage Garnishment Defense in Vermont
Vermont wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
bankruptcy
Debt-Collection Defense in Vermont
Vermont consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
bankruptcy
Student-Loan Discharge in Bankruptcy in Vermont
Vermont student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.

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90 Prospect avenuue
Saint Johnsbury, VT 05819
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