If you are thinking about bankruptcy, you might be nervous, scared, or embarrassed. All of those are perfectly natural feelings, but please know that I truly care about all my clients and there will be no judgment with me. I fully understand that people file bankruptcy for all sorts of reasons, from job loss, medical bills, and divorce, to name just a few. Sometimes it is because someone just isn't great with money - and that is OK too! :)

I will be sure to go over all of your options with you, including non-bankruptcy options. I will take my time to explain everything to you so you feel comfortable with any decision you make. I have been told on more than a few occasions that I make filing for bankruptcy fun. So try not to stress and give me a call. The consultation is free and I promise you that you will feel so much better after we talk.

My firm is small, and the lawyers I work with all take pride in being extremely responsive to our clients. You won't be leaving messages, waiting days for someone to get back to you. We know that having a legal issue can be very stressful and when you have a question, you want an answer quickly.

Background: Dawn was born in Queens, New York, and admitted to the Pennsylvania bar in 1996. She received her associate's degree in 1991 from Westchester Community College in Valhalla, NY, her Bachelor of Science degree in 1993 from Barry University in Miami, Florida, graduating summa cum laude, and her law degree in 1996 from the Dickinson School of Law in Carlisle, Pennsylvania.

Dawn has practiced a wide variety of law since being admitted to the bar in 1996, including criminal defense, family law, and bankruptcy. Dawn currently concentrates her practice in the areas of consumer bankruptcy. Dawn has been invovled with the Middle District Bankruptcy Bar Association for many years, including serving on the board.

Bankruptcy: Dawn handles both Chapter 7 and Chapter 13 bankruptcies, as well as assisting clients with negotiating with creditors when bankruptcy is not an option or not the option clients wish to pursue. Dawn assists clients with mortgage foreclosures, loan modifications, and the defense of lawsuits by credit card companies and other creditors. Dawn has been practicing bankruptcy law since she became an attorney in 1996.

Dawn is a regular speaker for the Pennsylvania Bar Institute and the Middle District Bankruptcy Bar Association, where she develops courses and teaches other lawyers about technology, bankruptcy, ethics, and criminal defense. Dawn is a former president of the Middle District Bankruptcy Bar Association and currently serves as a board member and co-chair of the Technology and Website Committee.

Dawn was awarded the York County Bar Foundation's Pro Bono Award several times throughout her career and is committed to assisting indigent clients whenever possible.

Dawn's hobbies include cycling, running, photography, quilting and sewing, and hanging out with her dog, Foxy.

Practice Areas

Bankruptcy and Debt 25%

I help clients figure out the best way to deal with overwhelming debt, whether that be by filing a Chapter 7 or Chapter 13 bankruptcy, or by negotiating settlements with their creditors or litigating creditor lawsuits.

25%

Chapter 7 Bankruptcy 25%

25%

Debt Collection 25%

25%

Debt Settlement 25%

25%

Fees and Rates

Cost

Free Consultation

$0 first 30 minutes

Payment Methods

Cash
Check

Licenses

Licensed in Pennsylvania for 29 years

State: Pennsylvania

Acquired: 1996

Active

No misconduct found

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Location

Fresh Start Law, PLLC

(717) 297-7556

Mobile

1701 W Market Street, York, PA, 17404

freshstartyork.com/

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Dawn Marie Cutaia's Reviews

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Overall Rating
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4.9 /5.0

110 Client Reviews

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Practice Areas

Bankruptcy & Debt (58) Chapter 7 Bankruptcy (6) Chapter 13 Bankruptcy (4) Lawsuits & Disputes (4) Debt Settlement (3) Business (2) Debt Collection (2) Foreclosure (2) Child Support (1) Contracts & Agreements (1)

What Clients Mention

Practice Area Knowledge (33) Recommendation (32) Professionalism (30) Case Results (29) Responsiveness (26) Communication Style (22) Compassion (20) Advocacy (19) Character & Conduct (13) General Knowledge (13) Trustworthiness (8) Cost of Services (5) Staff & Support (5) Punctuality (3) Payment Plans (1)

Showing 6 - 10 of 19 reviews | Advocacy

Posted by anonymous | March 15, 2023 | Hired Attorney

Review

Dawn was a excellent attorney. She went above and beyond to explain the bankruptcy process, walked me through every step. She was always available to answer all my questions and concerns. Dawn was very upfront with the process and what I could expect. I highly recommend Dawn her knowledge and commitm...ent to her clients to receive the best outcome is unmatched.

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Dawn Cutaia

Replied last April 24, 2023

Thank you so much for taking the time to write a review. I am so happy you had a positive experience. Bankruptcy can seem so overwhelming and I feel good knowing I helped you understand the process. Enjoy your fresh start!

Posted by Rob | August 23, 2022

Completely Honest and Trustworthy

I reached out to Dawn because I was in serious financial trouble and though bankruptcy was my only option. Dawn directed me to another option; One she would not benefit from financially but has solved my problems without using her representation in a bankruptcy court. I am grateful to her for her k...indness and integrity. If you need a lawyer who actually cares and wants what is best for you, give Dawn a call. I would recommend her to anyone and I am grateful I reached out to her and God forbid should I ever need representation of this sort, I would not hesitate to retain her services.

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Dawn Cutaia

Replied last August 23, 2022

I am so excited to hear this worked out for you! Truly. Thank you for taking the time to write a review. :). It means so much to me - Dawn

Posted by Kim | January 20, 2022 | Hired Attorney

A+ Representation

Dawn is hands down the kindest, most compassionate and understanding lawyer I have ever worked with. Bankruptcy is a very scary thing to undertake. It takes a lot of time and consideration to make sure it's the right path for you. From the moment I reached out to Dawn she went above and beyond to mak...e me feel comfortable, confident, and understood. She explained everything in layman's terms and was always available for questions. I was a bit needy at times and not once did she ever express any hint of annoyance at my ridiculous questions and requests (thanks for that!). It was so comforting to have a competent and empathetic individual representing me over the last 5 years. It truly felt like I was a person and not a number or paycheck. I highly recommend Dawn's services for whatever your needs might be. You won't regret it. And while I hope to never need her services again, I would not hesitate for a moment before choosing Dawn to represent me in the future.

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Dawn Cutaia

Replied last January 22, 2022

Kim - it is perfectly normal to be stressed out during this whole process. I really enjoyed representing you! You deserve your fresh start. Thank you for letting me help you get it :) - Dawn

Posted by anonymous | February 24, 2021 | Hired Attorney

The only lawyer I ever hope to have!

I made some really stupid mistakes trying to make ends meet as a single parent, and it ended up coming back to me. I was being sued by a few credit card companies and had no choice but to file bankruptcy. I found Dawn through Google and she was so helpful from the very beginning. She walked me t...hrough everything thoroughly so I understood what was going on and never once made me feel awful for going through something like this. She answered every question I had quickly and thoroughly. Even after my bankruptcy was filed and I was still getting harassed by a few companies, she went out of her way to address the issue to make them stop. Dawn helped me relieve the stress from my life and start fresh. It's only been 2 months since my bankruptcy was finalized, but I feel like a completely new person with a decent credit score for once haha If anyone ever needs assistance, she is and always will be the one I recommend!

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Dawn Cutaia

Replied last October 04, 2021

Thank you so much for taking the time to write this review! You shouldn't feel like you made mistakes as a single parent. Honestly, everything is so expensive and people everywhere are struggling just to make ends meet. Everywhere you turn there are all these little expenses that really add up. Plus we are bombarded with advertisements pushing us to spend money literally all the time. Being a single parent just makes it even harder. Enjoy your fresh start - you deserve it!

Posted by Matt | February 18, 2021 | Hired Attorney

Excellent Guidance and Representation Through Our Chapter 13 Plan

Dawn was an excellent choice when we had to discuss our situation. She was very clear and thorough in laying out the facts and information we needed before we made our decision to file Chapter 13 Bankruptcy. Dawn made the process very easy on us and walked us through everything step by step. Durin...g our five year plan life happened and Dawn helped us through it and helped us file an additional motion in regards to needs for a vehicle. Dawn was very quick to respond to our inquiries through email and text message. As we neared the end of our plan Dawn provided all the information we needed as we worked towards our discharge letter. I had many questions about how the process worked and what it all meant and again, she was very quick, clear and thorough on her responses. As she was when we filed she handled this quickly and made it very simple for us to do. Even though we wish we would not have had to file and work through a Chapter 13 plan, we absolutely made the right decision in having Dawn represent us through this.

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Dawn Cutaia

Replied last February 18, 2021

Thank you so much for taking the time to write this review - I really appreciate it. I'm so glad I was able to help you guys get through this - you were both easy to work with and you listened to me and took my advice - so thank you for that too! If you ever need anything further, please do not hesitate to reach out to me.

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