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A Creditor's Prospective on Dischargeable and Nondischargeable Debts in Bankruptcy


Nicole M. Noel, Kass Shuler Law Firm

Nicole Mariani Noel is a Shareholder at Kass Shuler, PA., practicing in the fields of Bankruptcy, Creditors’ Rights and Insolvency, Real Estate, Consumer and Business Litigation since 2009. Nicole heads the Bankruptcy practice group for the firm and handles cases throughout Florida, including the Northern, Middle, and Southern districts, as well as District of Colorado, Eastern and Southern District of Texas, all three Districts in Tennessee, and Northern and Southern District of Illinois. Nicole is the President for the Tampa Bay Bankruptcy Bar Association (TBBBA) for the 2024-2025 Bar year. Nicole formerly chaired the Bankruptcy Practice Group for the American Legal and Financial Network (ALFN) and the Case Law Update Subcommittee for the Real Property Finance and Lending Committee of the Real Property Probate and Trust Law Section of the Florida Bar. Nicole’s published work includes Was Brown a Rash Decision? (The Cramdown, Summer 2014); Incompatible Personalities: Investigating the Mutually Exclusive Nature of § 1322(b)(2), (5) (ABI Journal, November 2012) and Stripping Down Your Spouse: Tenancy by the Entirety Property Ownership under § 506 (ABI YLC Newsletter, September 2012). She recently authored a chapter on Bankruptcy in Florida Foreclosure Law published by Fastcase.

Nicole is active in the community and is an adjunct professor at Stetson University College of Law, St. Petersburg College and Hillsborough Community College teaching Bankruptcy, Real Property Finance, Business Law and Civil Litigation. Nicole participated in the 2016 NextGeneration program held by the Bankruptcy Judges during the National Conference of Bankruptcy Judges (NCBJ). She was honored to become a Fellow for the Florida Bar Leadership Academy. She has also been named one of ALFN’s Junior Professionals and Executives Group (JPEG)’s stand-out young professional to watch in 2016 and most recently received the 2023 Industry Achievement Award for the ALFN.  This award is given to professionals whose overall achievements and work within the financial services industry has helped provide opportunities in advancing the legal and financial services industries, through education, training, leadership, mentoring or acting as a role model.  Award recipients will have displayed the highest level of professionalism and leadership, and who have been a continued advocate for the industry and ALFN for an extended period of time.

Nicole received her undergraduate degree from The Florida State University and her Juris Doctor and Masters of Business Administration degrees from Stetson University College of Law and Stetson University School of Business Administration. Nicole was born and raised in St. Petersburg, Florida and is enjoying embarking on her greatest adventure, being the mother of two daughters, along with her husband.

Keri P. Ebeck, Partner, Bernstein-Burkley, P.C.

Keri is a partner and co-manager in the Bankruptcy & Restructuring practice group of Bernstein-Burkley, P.C. in Pittsburgh, Pennsylvania. As a Partner, she handles commercial, consumer, and real estate bankruptcy matters, as well as she is the co-manager of the bankruptcy group.  Keri is certified by the American Board of Certification in consumer bankruptcy and is a member of the standards committee for the ABC.  Keri is the past Chair of the Allegheny County Bar Association Bankruptcy and Commercial Law Section, which is responsible for studying bankruptcy and commercial law and informing its members of proposed changes to related legislation. Keri is current Treasurer of the Allegheny County Bar Association and is also currently servicing as the Chair of the Finance and Investment Committees for the Allegheny County Bar Association. Keri is also serving as the Vice-President of Membership for the Pennsylvania Creditors’ Bar Association. 

A member of the American Legal & Financial Network (ALFN), Keri was awarded the 2022 American Legal Financial Network’s Industry Achievement Award and is a past ALFN 2017 JPEG: Picture the Future Award, which recognizes stand-out young professionals for their achievements and commitment to the mortgage servicing industry. She is the chair of the ALFN’s Bankruptcy and a member of its Women in Legal Leadership Committees and is a member of Legal League 100.

Keri is also a member and the finance committee chair of the Judith K. Fitzgerald Western Pennsylvania Bankruptcy American Inn of Court and a member of the Turnaround Management Association. She is licensed in Pennsylvania and New Jersey and is admitted to practice before the U.S. District Court for the Eastern, Middle, and Western Districts of Pennsylvania; the U.S. District Court of New Jersey; the U.S. District Court for the Northern District of Ohio; the U.S. District Courts of Northern and Southern Districts of Indiana; the U.S. District Courts for the Eastern, Northern, Southern, and Western Districts of Texas; the Third Circuit Court of Appeals; and the U.S. Supreme Court.

Keri has spoken on bankruptcy and collection topics nationally at the ALFN Answers annual conference as well as ALFN’s Bankruptcy conference since 2013. Keri also speaks, plans sessions and moderates regularly for the Allegheny County Bar Association, NBI and Pennsylvania Bar Institute on bankruptcy, collections and repossessions. Keri has also presented several on site client seminars as well as hosted webinars for clients, prospective clients and industry representatives on bankruptcy and collections. Keri was recently recognized in the 2021, 2022 and 2023 edition of Pennsylvania Best Lawyers for Bankruptcy.

Keri is a certified mediator and registered to handle mediations for the Western District of Pennsylvania District and Bankruptcy Courts. 

Keri is an active volunteer with Make-A-Wish Foundation, Greater Pennsylvania and West Virginia Chapter. Keri is also a board member of the Trojan Education Foundation. 

 


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