We offer a variety of bankruptcy and non-bankruptcy services designed to help out clients take control of their financial lives, including Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, and Debt Negotiation/Debt Settlement. We will work closely with you to determine which approach will best address your financial issues. Here are some of the services we offer:
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 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
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 affordable payment arrangements with your creditors. >>Read More
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.
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
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 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. >>Read More