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Chapter 7 and 13 Bankruptcy

Financial Issues? We Can help.

If you are facing serious financial problems, filling for bankruptcy can be a powerful remedy. Upon filing a petition for bankruptcy, consumers will be able to stop most collection actions, including telephone calls, wage garnishments, lawsuits and more. Bankruptcy can also eliminate most types of unsecured debts, including credit card balances, medical bills, and personal loans.

As a client focused law firm, we care deeply about our clients and understand the challenges and stresses of debt. There is no doubt that personal finances play a major role in our daily lives and happiness, so when finances become strained – often through no fault of our own – life becomes difficult and stressful.

With our firm’s comprehensive understanding of bankruptcy law, you can rest assured that we will take full advantage of your rights without exposing you to the risk of unexpected or unwanted results. During the bankruptcy process, our team will accompany you through the process and ensure that any bankruptcy complications are handled quickly and that you receive all the benefits that you are entitled to.

Information to take with you when you meet with our Bankruptcy Attorney

  • A copy of every bill or letter you have received from a collection agency;
  • A copy of any lawsuit or pleading you have received in a case in which you are involved;
  • Two pay stubs representing an average pay period (include pay stubs for your spouse, even if he/she is not filing bankruptcy with you);
  • Deeds to real estate in which you have any (even a partial) interest (including real estate you are purchasing or that you already own);
  • The original or memorandum title for any cars, trucks, trailers, boats, motorcycles, mobile or motor homes you own or are purchasing, or other documents showing the value of your assets;
  • Appraisals of your home, jewelry, etc., if you have them;
  • Any policies of life insurance you have on your life, and/or the life of your spouse or children (where possible, you should contact the agent who sold you the policy and find out if the policy has any “cash surrender value.” If your policy has “cash surrender value,” please provide your attorney with that value); and
  • Income Tax Returns filed in the previous two years.

What to expect during the bankruptcy process

Step 1 – Consult with our attorneys

First and foremost, if you are considering filing for bankruptcy you should call our office and consult with one of our attorneys.  During this consultation process, our attorneys will assess whether bankruptcy is the right option for your financial wellbeing and coordinate with you a time to meet at our office. At this point you should come prepared to review your financial affairs and provide our attorneys with the necessary information to file a bankruptcy petition. Clients should also be prepared to pay our firms initial fee or enter into a payment plan with our office.

Step 2 – Preparation of your bankruptcy petition

Once our firm’s fee is paid in full, our skilled attorneys will prepare and file your bankruptcy petition with the appropriate court. A court filing fee must be paid at the time of filing your petition, which is included in our initial fee, and our attorneys will keep you advised during all stages of the filing process.

Step 3 – Trustee examination of petition

Once we submit your bankruptcy petition to the court, the automatic stay will go into effect, and a bankruptcy trustee will then begin to examine and analyze your estate to determine whether you have non-exempt assets to liquidate to pay the claims of your creditors. In most cases, debtors can file for bankruptcy without ever having to liquidate assets to pay back their creditors, but this may vary depending on which chapter of bankruptcy is pursued and the unique circumstances of your petition.

Step 4 – Creditors meeting

As part of the bankruptcy procedure, all debtors are required to attend a creditors meeting. The meeting will be approximately 30 days after you file your petition. At his meeting the trustee will interview you regarding your financial situation. In a typical consumer case, the meeting is a short process, less than 15 minutes, and creditors seldom attend this meeting. Of course, our trusted attorneys will assist you in preparing for the meeting and attend the meeting with you. Afterward, we will be available to advise you as needed until your case concludes.

Step 5 – Discharge

Usually, you will not be required to appear at any other proceedings other than the creditors meeting. If the court discharges your debts, your case will be closed by that order.

Get more information and guidance on bankruptcy in PA

Choosing a lawyer can be a daunting prospect, especially under the pressure of a lawsuit, foreclosure, repossession, or eviction. If you decide bankruptcy may be the right choice for you and your family, our Lancaster county bankruptcy lawyer can answer your questions about Pennsylvania’s laws and walk you through your case step-by-step. Contact our experienced law firm today to discuss your case. We serve clients in Berks, Chester, Lancaster, Lebanon and York counties and can be reached at (717) 490-6325.