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About me

Since 1988 I have been representing clients in connection with bankruptcy and bankruptcy related matters.  Normally I represent consumers as debtors in personal chapter 7 or 13 bankruptcy filings and small-to-medium size businesses in chapter 11 reorganization or chapter 7 liquidation cases.  Most consumer bankruptcy cases can be handled on a fixed rate flat fee basis. I also assist consumers in connection with mortgage foreclosure defense cases.  When you hire my office, you deal with me, not a secretary or a paralegal.



I am, and have been since September 1996, self-employed as a solo practitioner in Woodbury (Gloucester County) New Jersey concentrating primarily in consumer bankruptcy matters, landlord/tenant disputes and other areas geared to personal and family representation although I also handle small business bankruptcy chapter 11 cases as well.  A small part of my practice also involves representing defendants in municipal court matters, having been both a municipal public defender as well as a former municipal prosecutor. 


My current practice is a long way from where I started, and for that matter, even where I thought I wanted to go as an attorney.  In law school I was convinced that I would be happiest as an in-house attorney for lending institutions,  because they had the money!  So my law school  studies were concentrated on banking and securities law, secured transactions, federal banking regulation, corporate structures and substantive corporate law.  It seemed a natural extension of my attendance at the Delaware Law School of Widener University, an institution geared to corporate law studies and my position as an assistant editor of the law review - the Delaware Journal of Corporate Law. 


After graduating from law school in 1988 I became an associate in the Financial Services Department at Blank, Rome, Comisky & McCauley , a large Philadelphia law firm with, at that time, over 300 attorneys.  I worked primarily out of the Cherry Hill, New Jersey office and was able to work on large corporate chapter 11 cases with some remarkable attorneys.  I left Blank Rome in 1992 to work for a medium sized creditors rights firm, gaining practical experience in bankruptcy and work-out matters from the other side.  However, the size of these firms did not suit my personality and need for independence.  I had no clients of my own and had to work on discrete matters dropped in my lap by the firms’ partners.  I had no real connection to the clients and I finally realized that I was not suited to the “tall building” lawyer lifestyle.  In 1994,  I decided to scale back, joining a small practice in Woodbury New Jersey where I  was encouraged to develop my own client base.  


No one at the firm was doing any bankruptcy work and, having worked in the bankruptcy area for large corporate debtors as well as institutional creditors, developing a bankruptcy practice was a natural fit.  My clients however were not large corporations or banks, but consumers.  Client development was significant enough to allow me to open my own practice in 1996 and I have never looked back.


I am the only attorney in my office and am ably assisted by my trusty sidekick/paralegal   Diana Demeo who has been with me from the beginning.  Our office concentrates in providing bankruptcy services to consumer debtors and small business debtors in the Southern New Jersey area. We have a small but very busy practice, receiving our clients almost exclusively through referrals from other local attorneys and former clients.



I am a life-long Southern New Jersey resident.  My immediate family all still reside within twenty minutes of each other.  I am a member of the Gloucester County and Camden County Bar Associations. I am also active in the Rutgers University Pro Bono Bankruptcy Clinic which provides free legal representation to lower income state residents in bankruptcy matters. 


I have been an Adjunct Professor for the Widener University Paralegal Program, teaching the bankruptcy course.  I have also been an Instructor in the Rutgers University law school Bankruptcy Skills class. 


I am a frequent panelist for the New Jersey Institute for Continuing Legal Education, presenting a basic bankruptcy skills session for new attorneys twice a year. I also am one of the authors and editors of the Basic Bankruptcy Skills Book used by ICLE.


Because of the 2005 Amendments to the Bankruptcy Code (BAPCPA), I include the following statement:  I am an attorney at law and I assist people with bankruptcy filings.  




Photos and videos

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Practice areas


  1. Bankruptcy & Debt: 95%
    27 years
  2. General Practice: 5%
    27 years



Hourly ($200-300/hour), contingent (25-33%), Retainer (sometimes), Free consultation (30 minutes), Pro bono (5%)

Payment types:

Cash, Check

Attorney endorsements

13 total 

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  • Christian K. Lassen II

    I endorse this lawyer.


    Christian Lassen Personal Injury Attorney
    Relationship: Fellow lawyer in community

  • Thomas G. Egner

    I endorse this lawyer. Bill is a dedicated attorney and always does a professional job in every matter he approaches. His bankruptcy and litigation skills are superior and his work is outstanding. He always goes far beyond what is expected in his representation of clients and I would highly recommend his office for anyone considering retaining him.


    Thomas Egner Chapter 13 Bankruptcy Attorney
    Relationship: Fellow lawyer in community

Contact info

William Mackin

106 N. Broad Street
Suite 2
Woodbury, NJ, 08096

106 N. Broad Street
Suite 2
Woodbury, NJ, 08096



PAAdministrative Suspension198810/04/2015
We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Award nameGrantorDate granted
Equal Justice MedalLegal Services of New Jersey2007
Mary Philbrook Public Interest AwardRutgers University School of Law2006
Certificate of AppreciationRichard Stockton State College Alumni Association2005
Dedicated Service AwardWidener University Law Center2003
Work experience
TitleCompany nameDuration
OwnerWilliam Mackin, Esq., P.C.1997 - Present
Associate AttorneyAlbertson, Ward & McCaffrey1992 - 1997
AssociateLesser & Kaplin, P.C.1990 - 1992
Associate AttorneyBlank, Rome, Comisky & McCauley1988 - 1990
Association namePosition nameDuration
Undited State Bankruptcy Court District of New JerseyMediation Panel2014 - Present
NJ Bankruptcy Local Rules Revision CommitteeMember2012 - Present
New Jersey Bankruptcy Lawyers Advisory CommitteeMember2008 - Present
District IV Ethics CommitteeMember2008 - Present
Camden County Bar AssociationCo-Chair Cmmercial Creditor/Debtor Relations Committee2007 - Present
National Association of Consumer Bankruptcy AttorneysState Chair - Southern NJ2005 - Present
NJ Bankruptcy Inn of CourtMaster2004 - Present
Rutgers University Pro Bono Bankruptcy ProjectSupervising Attorney1998 - 2000
Gloucester County Bar Association, Bankruptcy CommitteeChairman1997 - 2004
Rutgers University Pro Bono Bankruptcy ProjectParticipating Attorney1996 - Present
Gloucester County Bar AssociationTrustee1996 - 2000
Gloucester County Bar AssociationMember1992 - Present
Camden County Bar AssociationMember1988 - Present
Legal cases
Case nameOutcome
In re CantwellReduced interest rate demanded by mortgagee
In re BradyBankruptcy Means Test decided in client's favor
See all legal cases 
Publication nameTitleDate
Presented at the 22nd Annual NACBA Convention, New York City, April 11, 2014Post-Petition Assets in Chapter 13 Cases2014
Presented at the 16th Annual New Jersey Bar Association William H. Gindin Bench-Bar ConferenceUnbundling and Limited Scope Representation2014
NJICLE Basic Bankruptcy Skills ManualBasic Bankruptcy Skills Manual2005
School nameMajorDegreeGraduated
O. Max Gardner III Bankruptcy Boot CampConsumer Bankruptcy Litigation RepresentationGraduate2007
RICHARD STOCKTON STATE COLLEGEPolitical ScienceBA - Bachelor of Arts1985
Speaking engagements
Conference nameTitleDate
22nd Annual NACBA Convention, New York CityPost-Petition Assets in Chapter 13 Cases2014
16th Annual William H. Gindin Bench-Bar ConferenceUnbundling and Limited Scope Representation2014
Family Law and BankruptcyWhat Happens When Bankruptcy Meets Divorce?2011
Ethical Issues in BankruptcyRetainer Agreements, Fees and Unbundling2011
Chapter 7 & 13 Line-By-LineChapter 7 Means Test Workshop Line-By-Line2011
13th Annual Hon. William H. Gindin Bankruptcy Bench-Bar ConferenceIssues Arising in Post-BAPCPA Chapter 20 attempts to Strip-Off Wholly Unsecured Mortgages2011
12th Annual William H Gindin Bankruptcy Bench Bar ConferenceHot Topics in Bankruptcy2010
What Judges, Law Clerks and Trustees Want you to knowBankruptcy Practice and Professionalism2009
Saving Your Client's Home in ForeclsoureForeclosure Prevention2009
Mortgage Foreclosure and MediationNew Jersey Foreclsoure Mediation Program and Foreclsoure Prevention2009
Basic Bankruptcy Skills SeminarBasic Bankruptcy Skills for Attorneys2009
Consumer Fraud and FDCPA ClaimsNew Jersey Consumer Fraud and FDCPA claims2008
William H. Gindin Bench Bar ConferenceEthics in Bankruptcy Practice2005