Chapter 7 Bankruptcy Lawyers in Pennsylvania
Whether you are drowning in credit card debt, behind on your mortgage or overwhelmed by medical bills or the results of a disaster (fire, flood or storm), bankruptcy may be the answer that will successfully see you through to the end of the tunnel.
A Chapter 7 bankruptcy — debt discharge — is the simplest form of personal bankruptcy. Contact Boyle, Autry & Murphy to discuss with an attorney whether Chapter 7 is the most appropriate solution to your financial difficulties. With Chapter 7 bankruptcy, your debts are discharged. This means that you pay nothing back to your creditors. The process is typically complete in five to six months. Overall, it truly is as simple as "you lose all your debt and keep all of your stuff." Contrary to what most people think, it is not a liquidation of all of your possessions.
Where to Turn for Straight Facts About Chapter 7 Bankruptcy
If you are confused after reading about Chapter 7 on the Internet, you are not alone. Understand that most of what you may have read was written by people such as creditors, collection agencies and/or debt consolidation companies who have a vested interest in convincing you to avoid bankruptcy. For personalized advice and a complete picture, talk to a Harrisburg Chapter 7 bankruptcy lawyer.
What about the new bankruptcy law?
When the new bankruptcy law became effective in October 2005, it added several new requirements and has complicated the process somewhat. For example, a "means test" helps determine whether an individual or couple qualifies for Chapter 7 bankruptcy, or whether a Chapter 13 bankruptcy is the appropriate solution. The bottom line is that in most cases we can generally achieve for our clients the same debt discharge that we achieved before the new bankruptcy laws took effect — the process is just a little more time-consuming and complicated.
Dispel Myths and Get Straight Answers
The myths about bankruptcy are endless, and we are never surprised anymore by what our clients have heard about bankruptcy, the new law and debt relief. Bring your fears to us and we'll tell you the truth. The new law is nothing to be afraid of if you need a Chapter 13 or Chapter 7 bankruptcy.
Many clients of Boyle, Autry & Murphy can attest to the fact that Chapter 7 or Chapter 13 gave them a fresh start and re-enabled them to meet life's financial challenges on firm footing.
Whether you are in Dauphin, York or Cumberland counties, contact us to schedule a free initial consultation with one of our York credit card debt relief attorneys. For your convenience, we have offices in both Camp Hill and York.
