An Experienced Pennsylvania Lawyer Helping You Get a Fresh Start
If you have reached a point where your debt has become unmanageable, it may be time to consider bankruptcy as an option to get things back under control. Chapter 7 bankruptcy can give you a "fresh start" by erasing most debts altogether. Chapter 7 can be the best strategy for those with overwhelming medical bills or credit card debt, loan refinances or judgments, or who have lost an income source through a layoff, divorce or loss of child support.
Though the bankruptcy laws did change in 2005, the reality is that many people still qualify for Chapter 7 if they need to. At Alfred Abel Law Offices, we bring 30 years of experience to every case. When you come to us, we will sit down with you and analyze your finances. Once we have a clear picture, we can help you decide if bankruptcy is right for you, or if an alternative debt relief method may work better.
To arrange a consultation with an experienced Montgomery County Chapter 7 bankruptcy attorney, call
Chapter 7 bankruptcy is for people who are not required to pay back their debt under a Chapter 13 payment plan. The first step in Chapter 7 is to determine if you qualify under the new means test. Under the means test, if your household income is less than the median income in Pennsylvania, you can file for Chapter 7 bankruptcy. If you qualify, you will need a credit counseling certificate, and we can refer you to an appropriate provider. In most cases, you will also need to attend one meeting supervised by the bankruptcy trustee. Our bankruptcy attorney will prepare all paperwork and appear at court with you.
Filing Chapter 7 bankruptcy in Pennsylvania benefits you in many ways, including:
- Stopping wage garnishment and utility shut-offs
- Stopping creditor harassment
- Erasing any mortgage liability (first mortgage, second mortgage, home equity loan, etc.) in the event of a home foreclosure or a voluntary home surrender through the Chapter 7
- Eliminating unsecured debt, such as credit card bills, medical bills and judgments
- Stopping wage garnishments and car repossessions
- Discharging debt claims in a relatively brief time period
You no longer have to run from your debt. With our help, you can confront the problem and begin a new financial life.
Contact an Abington Consumer Debt Relief Attorney
If you are interested in filing for Chapter 7 bankruptcy or want to learn more about your options, call or e-mail our law firm today. Call
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Alfred M. Abel Law Offices
