No Judgment
Just solutions
Philadelphia Bankruptcy & Debt Relief Attorneys
No Judgment
Just solutions
Philadelphia Bankruptcy & Debt Relief Attorneys
No Judgment
Just solutions
Philadelphia Bankruptcy & Debt Relief Attorneys
No Judgment
Just solutions
Philadelphia Bankruptcy & Debt Relief Attorneys
Experience   ThaT   COunts

TRUSTED PHILADLEPHIA
BANKRUPTCY ATTORNEYS

Are you struggling to pay your bills? Facing creditor harassment, lawsuits, foreclosure, or repossession? There is a solution. Call our Philadelphia bankruptcy and debt relief attorneys for your legal options. Initial consultations are free and confidential.

Solving difficult financial problems is what we do. We will listen to you and help you find the solution that best fits your situation, whether it is Chapter 7 bankruptcy, Chapter 13 bankruptcy, debt settlement, debtor defense, mortgage modification, foreclosure defense, or something else.

We serve all of Philadelphia, Montgomery, Delaware, Chester, Bucks, Berks, Lancaster, Lehigh, and Northampton Counties in Pennsylvania. Feel free to browse the information on our website, blog, and FAQs and ask us questions. We're here to help.

Are you struggling to pay your bills? Facing creditor harassment, lawsuits, foreclosure, or repossession? There is a solution, and we can help you find it. Call our Philadelphia area bankruptcy and debt relief attorneys for your legal options. Initial consultations are free and confidential.

Feeling overwhelmed? Solving difficult financial problems is what we do. We will listen to you and help you find the solutions that best fit your situation, whether it is Chapter 7 bankruptcy, Chapter 13 bankruptcy, debt settlement, debtor defense, mortgage modification, foreclosure defense, or something else.

We serve all of Philadelphia, Montgomery, Delaware, Chester, Bucks, Berks, Lancaster, Lehigh, and Northampton Counties in Pennsylvania. Feel free to browse the information on our website, blog, and FAQs and ask us questions. We're here to help.

You Can get a fresh start.
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215-248-0989
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free debt consultation.

what our clients say about us

We get results by providing our clients with options tailored to their unique situations. Just as important, we are responsive and dedicated to keeping our clients informed throughout the legal process. See what our clients have been saying about us for years.

Melissa

When I hired Daniel Mueller as my Attorney, I was very nervous and concerned about the whole bankruptcy process. Mr. Mueller not only put me at ease, he also explained, in detail, what would happen during a Chapter 7 Bankruptcy, provided me with lists to follow and check off as I gathered the necessary documents, and was always available to answer any of my questions and shepherd me through the entire process.

He is an excellent and very knowledgeable lawyer and a very compassionate man. Reviewed on AVVO.

Meg

Dan was an incredibly helpful, supportive, clear and effective attorney. He worked closely with me on my behalf and was attentive and responsible in terms of communication and in terms of advocacy.

After many years of financial stress, Dan's help made it possible for me to move forward. Reviewed on Google

Tom

My phone call to attorney Dan Mueller may have been the most important phone call of my life. I was encountering innumerable debt collectors who had NO hesitation in lying to me, and had I acted on their instructions, I would have suffered a great deal. Dan met with me and gave me the professional guidance that I needed.

He's a good man, but just as importantly, he knows what he is doing and he will protect you from ruthless debt vultures! Reviewed on Facebook.

Sean

Professional and Patient. Dan Mueller was very understanding about my financial situation and extremely patient while explaining the bankruptcy process. He took the time to go over every aspect and emailed updates throughout the process - I never felt hurried or like I didn’t understand the how things were progressing.

His service fee quote was clear, fair, it never changed, and Dan performed all the aspects as promised. And probably the most remarkable aspect of working with Dan was that I never felt embarrassed or self-conscious because of my financial situation – instead, it was a positive experience that was more about setting a positive course for the future. Reviewed on AVVO.

Veteran

Dan has all the qualities expected of a great attorney, and he is a true bankruptcy expert.

Dan helped navigate the Chapter 7 process and explained all my legal options. The client/attorney relationship was comfortable from the first consultation through the discharge. Dan is a godsend for this Veteran! Reviewed on AVVO.

Krissi

Dan Mueller is very professional and prompt. He is courteous and patient. He explains the entire process very thoroughly every step of the way.

There is no better attorney to go through stressful financial times with. Thanks Dan! Reviewed on Google.

Meg

Dan was an incredibly helpful, supportive, clear and effective attorney. He worked closely with me on my behalf and was attentive and responsible in terms of communication and in terms of advocacy.

After many years of financial stress, Dan's help made it possible for me to move forward. Reviewed on Google

Veteran

Dan has all the qualities expected of a great attorney, and he is a true bankruptcy expert.

Dan helped navigate the Chapter 7 process and explained all my legal options. The client/attorney relationship was comfortable from the first consultation through the discharge. Dan is a godsend for this Veteran! Reviewed on AVVO.

Krissi

Dan Mueller is very professional and prompt. He is courteous and patient. He explains the entire process very thoroughly every step of the way.

There is no better attorney to go through stressful financial times with. Thanks Dan! Reviewed on Google.

Our Practice Areas

Chapter 7 Bankruptcy

Get a Fresh Start.

Chapter 7 bankruptcy offers a fresh financial start. In Chapter 7 you can:

  • Eliminate most debts, including credit cards, personal and payday loans, medical bills, utility bills, judgments, mortgage deficiencies, some taxes, and more.
  • Keep your property, including cars, household goods, retirement funds, earnings, and often your home.
  • Stop lawsuits, debt collection, repossession, foreclosure, bank levies, garnishments, and utility shutoffs.

>>More on Chapter 7 bankruptcy.

Chapter 13 Bankruptcy

Save your home, car, or business.

Chapter 13 bankruptcy restructures debts. In Chapter 13 you can:

  • Save your home from foreclosure.
  • Save a vehicle or other property from repossession.
  • Save money on interest, fees, and penalties.
  • Stretch out payments on car loans and other secured debt.
  • Discharge some or most of your unsecured debt.
  • Discharge or restructure back taxes.
  • File for bankruptcy when your income is too high for Chapter 7.

>>More on Chapter 13 bankruptcy.

Debt Settlement

Maybe Avoid Bankruptcy.

In debt settlement (or debt negotiation), an attorney negotiates with your creditors so you can:

  • Resolve debts for significantly less than the balance.
  • Remove judgments and liens.
  • Secure better repayment terms.
  • Avoid bankruptcy.

Unlike many "credit counseling" and debt settlement companies, we will help you determine if a settlement is in your best interest and make sure you understand the alternatives.

>>More on Debt Settlement.

Other Non-Bankruptcy Debt Solutions

Debtor Defense - Fight collection lawsuits by creditors and debt collectors.
Foreclosure Defense - Fight your foreclosure and hold lenders accountable for their mistakes.
Mortgage Modification - Change the terms of your mortgage to clear arrearages and modify your payment.
Eviction Defense - Fight improper Landlord-Tenant evictions.

Consumer Protection Law

Fair Debt Collection Practices Act (FDCPA) - Sue abusive debt collectors.
Fair Credit Reporting Act (FCRA)
- Make creditors pay for false credit reporting.
Service Members Relief Act (SMRA) - Protections for those who serve.
Fraud
- Make consumer fraudsters pay.

Common Questions

Can Chapter 13 help me, if I am behind on my house or car payments?

If you are behind on your house or car payments, Chapter 13 allows you to pay back the missed payments over time (typically 36 to 60 months). As long as you have sufficient income to make your current house or car payments as they come due and make the Chapter 13 plan payments, Chapter 13 can enable you to keep your property.

Example 1: Let’s say that John and Marie’s mortgage payment is $1000 per month, and they are 8 months behind on their payments. How do they get caught up on the $8000 in back payments? If John and Mary file for Chapter 13 bankruptcy, they can pay the arrearage over time through the Chapter 13 bankruptcy plan over 36 to 60 months. In the meantime, they will begin making their regular mortgage payment to the bank as if they were current. This will enable them to keep their house.

Example 2: Let’s say Bob owns a car that is worth $20,000, but he owes $17,000 on his auto loan. Bob is 5 months behind on his auto payments of $300 per month, leaving him with an arrearage of $1500. If Bob files for Chapter 13, and begins making his regular car payment, he can pay back the $1500 through the Chapter 13 plan.

Quick Note: In Chapter 13 case in the Eastern District of Pennsylvania, you continue to make your house payments directly to the lender. However, your car payments may be made through the plan. You may even be able to reduce the balance, interest, and payment on your car loan or some other secured loans through a bankruptcy cramdown. >>More

Can I keep my house or car if I file for Chapter 7 bankruptcy?

In most cases, the answer is yes. In Chapter 7 cases, it depends largely on how much equity you have in your home or vehicle. (Equity is the difference between what you owe on an item and what it is worth.) For the most part, if (1) the equity in your house or auto is not more than the exemption for that type of property, and (2) you are current on your payments, you can keep it. (If you are behind on your home or car payments, you may need to consider Chapter 13.)

Example 1: Bob and Mary are married and own a home in Montgomery County worth $140,000. They owe $100,000 on the mortgage loan. After subtracting the value of the home ($140,000) from the amount they owe ($100,000), they have $40,000 in equity in their house. The current federal exemption for equity in a home is $50,300 for a married couple ($25,150 for an individual). Because the amount of Bob and Mary’s equity ($40,000) is less than the exemption of $50,300, John and Mary can exempt all of the equity in their home. Thus, as long as Bob and Mary are current on the payments at the time of filing and continue to make payments during and after their bankruptcy, they can keep the home.

Example 2: Jane owns a car that is worth $12,000. She owes $10,000 on an auto loan, leaving her with $2000 in equity in the car ($12,000 minus the $10,000 loan). There is an exemption of $4000 for motor vehicles. Because her equity ($2000) is less than the available exemption ($3450), Jane’s equity in the vehicle is exempt. As long as Jane is current on her auto loan payment and continues to pay on time, she can keep the car. Some auto lenders require a “reaffirmation agreement,” which we will discuss elsewhere.

Should I negotiate a settlement with my creditors?

Debt settlement can be a good option for resolving debts, including judgments. Many creditors will negotiate lump-sum settlements of debts or, in some cases, payment arrangements.

However, negotiating with creditors or debt collectors without the asistance of an attorney can be costly. Often, an attorney can help you reach a much better settlement than you could reach on your own. However, debt settlement can have tax and other financial consequences.

It is important to explore all of your options before committing to debt settlement. At the least, before entering into negotiations with a creditor over any significant debt, be sure to speak to an with an experienced debt settlement attorney. >>More

Can a creditor or debt collector harass me to try to collect a debt?

Regardless of whether a creditor has a judgment or not, there are limits to what it can do to collect a debt. The actions of debt collectors are limited by the federal Fair Debt Collection Practices Act(“FDCPA”), the Pennsylvania Fair Credit Extension Uniformity Act (“FCEUA”), and other consumer laws. Common acts, such as impersonating an attorney or law enforcement officer, threatening arrest, calling in the middle of the night, etc., are forbidden.

Likewise,providing false information about a debtor’s accounts to the credit bureau is aviolation of the Fair Credit Reporting Act (“FCRA”).  Violations of any of these acts can result inthe debtor paying you damages and your attorney’s fees. >>More

Do You Have Questions for Our Bankruptcy Attorneys?

Use this form to contact our bankruptcy and debt lawyers, or give us a call at 215-248-0989. We offer free debt evaluations, including phone or video (Skype, Zoom, Facetime, etc.).

You will speak with an experienced attorney and get real answers to your financial questions.

Let's find the right answers for you.

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AREAS WE SERVICE INCLUDE: Philadelphia, PA | Montgomery County, PA | Bucks County, PA | Chester County, PA | Delaware County, PA | Berks County, PA | Lancaster County, PA | Lehigh County, PA| Northampton County, PA

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Harborstone Law represents clients in bankruptcy, debt, consumer, and small business matters throughout Philadelphia, Montgomery, Delaware, Chester, Bucks, Berks, Lancaster, Lehigh, and Northampton Counties in Pennsylvania.