Pennsylvania Bankruptcy Lawyers
How a Pennsylvania bankruptcy attorney may help
Debt can make you feel isolated and fenced in. Fortunately, bankruptcy lawyers in Pennsylvania may help you find your way out of debt and back onto the path to prosperity.
A bankruptcy lawyer may take you through the filing process, helping you take full advantage of the powerful tools bankruptcy offers.
And just how will bankruptcy help you clear your debt? Find out during a free case evaluation with a Pennsylvania bankruptcy lawyer near you. Simply complete the form on this page or call, toll free, 877-833-2410 and we'll connect you right away with a local attorney.
Pennsylvania Bankruptcy Laws and How They Affect You
One of the first steps your lawyer may take may be explaining how Pennsylvania's bankruptcy laws apply to you. Bankruptcy is a part of both federal U.S. law and local state laws.
How these laws work for you will depend in part on which type of bankruptcy you file. There are two main personal bankruptcy options in Pennsylvania: Chapter 7 and Chapter 13.
Chapter 7 bankruptcy works quickly to clear your credit card debt when you don't have much regular income. Instead of making payments to a fund or company, your credit card debt - along with medical bill, utility bills and personal loans - will simply be wiped out. The entire process typically only takes a few months.
Your personal belongings may also be protected from forced sale - which rarely happens in such cases - thanks to Chapter 7 exemptions. In Pennsylvania, these include:
- $300 for property of any kind
- 100 percent of personal earnings
- 100 percent of clothing, books, Bibles, sewing machines
- 100 percent of Veteran's benefits
Chapter 13 bankruptcy, on the other hand, provides even stronger protection for your personal property. In particular, you may be able to use Chapter 13 to clear any home mortgage or car loan debt you have. Few other types of debt relief allow you this opportunity.
To file Chapter 13 you'll need some regular income and some patience: This chapter may take 3-5 years to complete. However, during this time you should be safe from threats of foreclosure and repossession thanks to the automatic stay. This court order usually kicks in when you file and stops all collection efforts, including lawsuits, wage garnishment and even creditor harassment.
Speak with a Pennsylvania Bankruptcy Lawyer Today
Bankruptcy is a powerful process that has helped hundreds of thousands of people clear their debts. If you want to know how these laws may help you get a fresh start speak with a local lawyer.
Your lawyer may answer your questions and clearly explain how these laws will work for you so you can get your debt under control and your life on track.
Get the information you need during a free case evaluation with a local Pennsylvania bankruptcy attorney. Complete the form on this page or call, toll free, 877-833-2410, to connect with an attorney right away.
Laws may have changed since our last update. For the latest information on your state's bankruptcy laws, speak to a local bankruptcy lawyer.