John J. Kennelly of the Law Firm of Pratt Vreeland Kennelly Martin & White practices creditors' rights and Donald F. Hayes of the Law Firm of Cohen & Rice practices bankruptcy law as well as foreclosures. Both attorneys practice law in Vermont with offices located in the City of Rutland.

Attorney Name - Education, Address and Practice

Name Donald F. Hayes Education: Undergraduate School: Temple University - Philadelphia, Pennsylvania Graduate School: Temple University - Philadelphia, Pennsylvania Law School: Vermont Law School - South Royalton, Vermont Address: Law Firm of Cohen & Rice Atty. Donald F. Hayes 26 West St. Suite 1 Rutland, VT 05701 Telephone: (802) 775-2352 Fax: (802) 773-6424 Practice: Bankruptcy and Foreclosures Rutland County Vermont State Bar - Admitted 2010 Name John J. Kennelly Education: Undergraduate School: Ramapo College of New Jersey - Mahwah, New Jersey Law School: Rutgers School of Law -Newark, New Jersey Address: Pratt Vreeland Kennelly Martin & White 64 North Main Street Rutland, Vermont 05702 Telephone: (802) 775-7141 Fax: (802) 775-6483 Practice: Creditors' Rights Rutland County New Jersey State Bar - Admitted 1981 Vermont State Bar - Admitted 1987

Strategies for the Debtor

Automatic Stay, - Automatically stops most creditor action against the debtor "Lien-stripping" - Generally available in Chapters 11 and 13, "Use of "Avoiding Powers" - May let the debtor sue creditors and "undo" certain harmful transactions "Race to the Courthouse" - A bankruptcy filing allows assets to be sold by the debtor or trustee, over a reasonable period of time