• Will I Lose My Car if I File a Chapter 7?

    || 19-Jun-2018

    A lot of debtors who file Chapter 7 bankruptcy are behind on their rent or mortgage. They’re 30, 60, or 90 days late on their credit cards. Their utilities are close to being shut off by the utility companies, and their vehicles are an inch away from being repossessed. As debtors learn more about Chapter 7, they discover that credit card debt, medical bills, utility bills, certain taxes, and ...
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  • Can You Discharge an SBA Loan in Bankruptcy?

    || 4-Jun-2018

    Starting a business is an admirable endeavor. For many entrepreneurs, if they don’t have the personal funds to bootstrap their business, or if their business idea was rejected by Venture Capital firms and Angel Investors, their last resort is a Small Business Administration loan through an SBA-approved lender. As most small business owners know – a lot of businesses fail in their first ...
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  • What is Bankruptcy Fraud?

    || 22-May-2018

    Bankruptcy can be an extremely valuable debt-relief option for Americans who are saddled with so much debt, it would take them years, if not decades to dig out. Unfortunately, though, some debtors have been known to abuse bankruptcy in the past. When debtors conceal assets from the bankruptcy courts, lie on their bankruptcy paperwork, or bar creditors from receiving money they’re entitled ...
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  • Should I Give Up Credit Cards?

    || 10-May-2018

    If you have accumulated a lot of credit card debt and you’re seriously considering filing Chapter 7 or Chapter 13 bankruptcy, you may be thinking that you’re going to swear off credit cards forever. You may even be thinking, “For here on out, I’m only using cash” or “I will never touch another credit card again!” Much like the way an alcoholic swears ...
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  • Am I Protected from Creditor Harassment When Filing for Bankruptcy?

    || 27-Apr-2018

    Many people who file for bankruptcy are concerned about creditors harassing them or calling at all hours seeking payment. However, you have legal protections from this kind of behavior. Federal debt collection laws regulate what creditors can say and how often they can contact you. If you are being harassed by debt collectors, our firm can help. Depending on the situation, you may be able to file ...
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  • Bankruptcy Exemptions in Pennsylvania

    || 16-Apr-2018

    When you file for bankruptcy, this does not mean you will have to lose all your possessions to creditors. There are certain exempt properties that you may keep so you can have a fresh start once the process is finished. There are a variety of federal bankruptcy exemptions, as well as state bankruptcy exemptions that are available. In general, you will need to choose between federal or state ...
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  • Can Federal Student Loans Be Discharged in Bankruptcy?

    || 11-Apr-2018

    Do you presently have federal student loan debt hanging over your head? If you’re already having a cash flow problem that’s affecting other debts, you could be wondering, “Can federal student loan debt be discharged in a Chapter 7 or 13 bankruptcy ?” This is a very good question and we assure you, it comes up a lot. The answer is – it depends. It is possible to ...
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  • What to Do After Bankruptcy

    || 20-Mar-2018

    Once you have filed for bankruptcy, you are likely unsure of how to move forward. The difficult part is over, and all that is left is picking up the pieces and starting the next chapter of your life. Our Harrisburg bankruptcy lawyer of Dethlefs Pykosh & Murphy will ensure you are as informed as possible, as our priority is helping you navigate what is surely unfamiliar territory. Following ...
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  • 5 Tips for Getting Out of Debt

    || 14-Mar-2018

    Everyone’s experience with finances is unique, but most of us struggle at some point in our life, whether we’re eighteen, thirty, or fifty-five. For a lot of us, it can take half our lives if not longer to gain control over our finances and finally come out on top. That’s why, eliminating debt takes discipline. It takes hard work and perseverance. But, it’s 100% worth every ...
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  • Tips for Saving Money & Preventing Bankruptcy

    || 6-Mar-2018

    No one wants to file for bankruptcy as it is something to be avoided at all costs. However, despite our best efforts, millions of Americans end up needing to file for some form of bankruptcy at one point in their lives. If you find yourself on the brink of financial disaster and are seeking a Harrisburg bankruptcy lawyer to help you out of this stressful situation, look no further than Dethlefs ...
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  • How to Avoid Filing for Bankruptcy Again

    || 26-Feb-2018

    Sometimes, such as in cases of failed businesses, bankruptcy is unavoidable. In cases of massive debts accrued by individuals, bankruptcy is the culmination of years of bad spending patterns and financial decisions which theoretically could have been avoided. If you are coming out of bankruptcy or have just been approved, you are likely eager to start fresh and do everything in your power to ...
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  • Is Bankruptcy My Only Option?

    || 12-Feb-2018

    If you are currently unable to continue making payments on large debts, it is important that you take appropriate action to remedy the problem in a way that will cause the least long-term damage to your credit while still alleviating some of the burden. If you are considering bankruptcy, consult a professional before moving forward. Our bankruptcy lawyers at Dethlefs, Pykosh & Murphy Law are ...
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  • Can I File Bankruptcy if I'm Unemployed?

    || 6-Feb-2018

    If you lost your job (for any reason), there’s a good chance that you’ve had trouble paying your bills. If you’re like most people and you didn’t have a sizeable savings to fall back on, the job loss could have led to unpaid utilities, unpaid rent or late mortgage payments, past-due credit card bills and late payments on your auto loan. It doesn’t take long for a lack ...
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  • Should I File Bankruptcy Before Divorce?

    || 15-Jan-2018

    It is very common for money problems to lead to divorce. After all, financial troubles can lead to a great deal of stress and they can definitely strain a marriage. Foreclosures, charge offs, evictions, wage garnishments, liens, bank account seizures, lawsuits, and judgements – they can test a marriage. All too often, married couples buckle under the pressure. When a couple has financial ...
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  • Chapter 7 vs. Chapter 13 Bankruptcy

    || 11-Jan-2018

    Sometimes, our finances get a hold of us and we cannot grasp control over our monetary situations without the help of an external force. In these cases, when our debts become too much for us to handle on our own, bankruptcy may be the right option. Many people don’t realize the differences between filing for Chapter 7 and Chapter 13 bankruptcy, though these are necessary for unique ...
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  • Is a Bankruptcy Lawyer Worth it?

    || 1-Jan-2018

    For someone filing for bankruptcy, whether it be Chapter 7 or Chapter 13, the last thing on his or her mind is spending the additional money on a lawyer. Though you may have heard a great way to save money in this process is by representing yourself in your bankruptcy, this isn’t the case. Filing for bankruptcy without a strongminded and experienced Harrisburg bankruptcy attorney, such as ...
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  • Can I Get Rid of My Second Mortgage?

    || 27-Dec-2017

    Having multiple mortgages can be financially stifling for homeowners, especially if there are other debts on the table, such as student loans, auto loans, and credit cards. Paying down multiple large debts at once can eat up a large portion of your monthly income and make it nearly impossible to afford much else. If you find that your second mortgage puts you in a financial unbearable situation, ...
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  • Avoiding Debt During the Holidays

    || 13-Dec-2017

    Understandably, millions of Americans go into debt during the holidays. According to Discover, “in 2016 the average American went more than $1,000 into debt just during the holidays alone.” Since we’re in the middle of the holiday season and Christmas is around the corner, we thought we’d dedicate a post to staying out of debt during the holidays. One of the main reasons ...
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  • What Should I Do if I'm Experiencing Debt Collection Abuse?

    || 6-Dec-2017

    Fair Debt Collection Practices in Pennsylvania In Pennsylvania, the Fair Credit Extension Uniformity Act puts forth important limits for debt collectors and lenders to abide by when interacting with debtors. It’s important for you to know what constitutes inappropriate or illegal behavior in order to protect yourself from creditors who may have no problem invading your privacy, threatening ...
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  • Do I Really Need an Attorney for My Bankruptcy Case?

    || 24-Nov-2017

    Filing Pro Se Filing for bankruptcy without an attorney, otherwise known as filing pro se, is legal and possible. However, your bankruptcy is going to affect you for decades to come, and getting it wrong will cost you. One of the most significant mistakes you can make by doing it on your own is filing for bankruptcy at all. (You read that right.) If you bring a legal professional into your corner ...
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  • Can I File for Bankruptcy if I'm Unemployed?

    || 14-Nov-2017

    Being unemployed does not prevent you from filing for bankruptcy. In fact, many people who file for bankruptcy do so because they cannot continue paying down debts after losing a job. While you are not required to find a new job before your case is approved, unemployment could present obstacles, depending on which kind of bankruptcy you file. Chapter 7 Bankruptcy Chapter 7 bankruptcy is intended ...
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  • Don't Make These Bankruptcy Mistakes!

    || 9-Nov-2017

    If you’re seriously contemplating filing for bankruptcy to address your financial situation, you’ve probably been researching the process online. Filing for Chapter 7 or 13 bankruptcy is a big decision; your attorney can answer your questions and guide you every step of the way to make the process as efficient and stress-free as possible. There are, however, mistakes that can derail ...
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  • Can Child Support Be Included in Chapter 7?

    || 12-Oct-2017

    There are a lot of negative consequences associated with the failure to pay child support. Once arrearages reach certain thresholds, the paying parent will be denied a U.S. passport, their driver’s license can be suspended, their wages can be garnished, their tax refunds can be taken for child support, and funds can be withdrawn directly from their bank accounts. They can even be held in ...
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  • Small Business Bankruptcy in Pennsylvania

    || 18-Sep-2017

    It’s no secret that every business can experience financial problems. In fact, most new entrepreneurs worry about their business surviving the first year in business, not to mention the first five years! If your small business is struggling to make ends meet and to repay its obligations, you may be able to improve the financial health of your business by filing bankruptcy. “What ...
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  • Effects of a Chapter 7 Bankruptcy

    || 15-Aug-2017

    Are you considering filing Chapter 7 bankruptcy? If so, you’re probably wondering, “What are the effects of Chapter 7 bankruptcy? Will it ruin my credit? Will I have to give up the few assets that I do have?” The effects of a Chapter 7 depend on different factors, such as the types of debts and assets in question. Unlike a Chapter 13, Chapter 7 bankruptcy does not take 3 to 5 ...
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Camp Hill, PA 17011

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2550 Kingston Road, Suite 209
York, PA 17402

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183 Lincoln Way East,
Chambersburg, PA 17201

Harrisburg Office
5425 Jonestown Road, Suite 103
Harrisburg, PA 17112