Chapter 13 Bankruptcy

Pennsylvania Median Income for the 2023 Bankruptcy Means Test

The Pennsylvania median income increased again for most families as of May 15, 2023, meaning more debtors will qualify for Chapter 7 Bankruptcy in 2023. For Chapter 13 debtors, the median income determines whether the debtor may enter a thirty-six or sixty-month Chapter 13 plan and how much they must pay in their Chapter 13 plan.

Bankruptcy Cramdown Of Auto Loans Reduces Interest and Payments

If your car is worth less than you owe, or your interest rate is high, a Chapter 13 bankruptcy "cramdown" can lower your balance, cut your interest rate, and slash your payment. Find out what you need to know about the cramdown of auto loans in Pennsylvania Bankruptcy and alternatives.

Avoiding the Bankruptcy Conversation Can Be Costly

Refusing to discuss bankruptcy might feel like the right choice, but it can cost you your home, personal property, retirement, and peace of mind. Consulting with an experienced bankruptcy lawyer can often prevent loss of assets and other long-term financial damage.

Deficiency Judgments After Foreclosure

Deficiency judgments in Pennsylvania can follow a mortgage foreclosure, leaving the former homeowners on the hook for thousands of dollars. You can fight a creditor's attempt to obtain a deficiency judgment, and bankruptcy can stop deficiency judgments and discharge debt.

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