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Our Practice Areas

Bankruptcy and Non-Bankruptcy Services

We offer bankruptcy and non-bankruptcy legal services designed to help you take control of your financial life. We will work closely with you to determine which approach will best address your financial issues. All services are available throughout Philadelphia and the surrounding counties. Here are some of the services we offer:

Chapter 7 Bankruptcy

Eliminate Debts and Get A Fresh Start.

Chapter 7 bankruptcy allows people struggling financially to start over free from all or most of their debt. The typical case lasts only a few months, and it is the least expensive type of bankruptcy. >> Read More

Chapter 13 Bankruptcy

Save Your Home, Car, or Business.

Chapter 13 works well for people who are behind on a home, car, or other secured loan or have an income too high to qualify for Chapter 7. Chapter 13 allows you to catch up on missed home or auto payments over time (typically 36 to 60 months). With a few exceptions, any remaining unsecured debt is discharged at the end of the payment period. >>Read More

Debt Settlement/Debt Negotiation

Settle or Restructure Debts Without Bankruptcy

Negotiating with creditors is possible in some cases if you can pay a portion of your debt. Often, an attorney can help you reach reasonable lump-sum settlements or more affordable payment arrangements with your creditors. >>Read More

Debtor Defense

Fight Collection Lawsuits.

Debtor defense is just what it says, defending a collection suit in court. Often, debtors have defenses to creditor lawsuits, such as the Pennsylvania Statue of Limitations. Many times, creditors cannot prove that they own debts and regularly lose those types of lawsuits. For these reasons, defending a collections case can lead to a win or a reasonable settlement. >>Read More.

Foreclosure Defense

Fight a Mortgage Foreclosure.

Mortgage foreclosure defense includes answering the foreclosure complaint and raising any defenses you might have to a foreclosure action. It may even involve filing a lawsuit against the lender, if appropriate. By raising legitimate challenges to the foreclosure, you may encourage a lender to enter into a reasonable settlement. >> Read More

Mortgage Modification

Get Current With More Affordable Payments.

Sometimes, a lender will agree to modify the terms of your mortgage to reduce the payment or clear an arrearage by extending your mortgage length. It is sometimes possible to obtain a mortgage modification even while you are in bankruptcy. >>Read More

Consumer Protection Law

Sue for Abusive Debt Collection and Fraud.

Consumer protection laws, like Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), the Pennsylvania Fair Credit Extension Uniformity Act (PFCEUA), and the Service Members Relief Act (SMRA) help protect Consumers from abusive creditors.

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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.
questions? Call our office at 215-248-0989
Committed to finding the best solutions for our clients.

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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