• 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can be suspended, their wages can be garnished, their tax refunds can be taken for child support, and funds can be withdrawn directly from their bank accounts.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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  • Psychology of Debt

    || 25-Jul-2017

    If you are currently experiencing crushing debt and you’ve noticed that it’s affected your mood, your quality of sleep, and even your health, there could be legitimate reasons for this. Perhaps your financial situation has led to lost sleep or insomnia. Perhaps you’re even experiencing symptoms of anxiety or depression for the first time in your life. According to Amy Morin, an ...
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  • How Long Bankruptcy is Reported on Credit

    || 5-Jun-2017

    If you’re considering filing for bankruptcy, you may wonder, “How long is bankruptcy reported on a person’s credit?” We decided to dedicate a post to this because most bankruptcy filers have this question. When a debtor files for bankruptcy, the bankruptcy itself is reported on their credit for 10 years; however, only the public record of the bankruptcy is reported for 10 ...
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  • Can an Executor File Bankruptcy for an Estate?

    || 3-May-2017

    If you have been named in a will as the executor of an estate, or if you have been appointed by the court as a personal representative of an intestate estate (an estate without a will), and as you dove deeper into your duties, you realized that the decedent passed away, leaving behind a mountain of debt, you may be wondering, “Can I file for bankruptcy on behalf of the decedent’s ...
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  • Credit: Bouncing Back After Bankruptcy

    || 19-Apr-2017

    In our experience, most debtors are not in the habit of filing for bankruptcy due to reckless and out of control spending. Instead, bankruptcy is usually preceded by a job loss, an accident, illness, or a death in the family. Understandably, these folks are the ones who need bankruptcy the most. If you’re struggling with crushing debt but are still on the fence about filing bankruptcy ...
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  • Chapter 11 Bankruptcy in Harrisburg

    || 22-Mar-2017

    Are you a small business owner who is having difficulty keeping your business afloat? If the monthly expenses are exceeding the business’s income, you are surely running out of options and need to find a quick solution. Do you close down operations, or do you file Chapter 11 bankruptcy? Let’s not be so fast to call it quits. As an entrepreneur, we’re confident there’s a lot ...
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  • Should I File Bankruptcy Before My Wedding?

    || 22-Feb-2017

    While every couple has a different size wedding, getting married can involve a lot of pressure. Between finding a venue, mailing out the invitations, paying for the wedding, and interviewing multiple vendors – it’s stressful. When you add money problems on top of it, it brings “stress” to a whole new level. When couples fall in love and decide to marry, they’ll often ...
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  • Chapter 7 vs. Chapter 13 Bankruptcy

    || 26-Jan-2017

    The vast majority of personal bankruptcy filers opt for either a Chapter 7 or a Chapter 13. If you are considering filing for bankruptcy, you will more than likely be filing a Chapter 7 or Chapter 13. Which bankruptcy is right for you? There is no “one-size-fits-all” answer to this question. The “right” answer comes down to the types of debts you have, your income, and how ...
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  • How Will Bankruptcy Affect My Credit?

    || 28-Dec-2016

    One of the main reasons why people hesitate to file Chapter 7 and Chapter 13 bankruptcy is because they are worried about how bankruptcy would affect their credit score. Although bankruptcy is a negative mark on your credit, how much bankruptcy will affect your FICO score depends largely, on how bad your credit was before filing. Are you already far behind on your credit card, auto, or mortgage ...
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  • Can I Discharge Recent Credit Card Debt?

    || 23-Nov-2016

    Now that the holidays have officially arrived, we can’t help but think about the additional pressures that the season places on struggling individuals and families. Sometimes people lose their jobs, even though Christmas is weeks away. Others may be living off their credit cards, but are headed towards bankruptcy but they don’t know it yet. While millions of Americans put gifts on ...
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  • Can a Creditor Take My Social Security Benefits?

    || 25-Oct-2016

    For millions of Americans, the retirement landscape is not what it was in their parents’ generation. Every day, older Americans are forced into early retirement, aged out of the workforce, or let go after being replaced by a twenty-something employee who will gladly work the same job at half the pay. Today’s workers do not have the same opportunities for retirement as earlier ...
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  • Understanding How Bankruptcy Works

    || 27-Sep-2016

    We don’t need to tell you that in the United States, Americans young and old rely heavily on auto loans, mortgages, and credit cards to pay for their vehicles, homes, and various types of personal belongings. The problem is that in these uncertain economic times, people frequently run into financial trouble and then can’t repay their debts. Be it a sudden job loss, an illness or death ...
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  • Can a Chapter 13 Save My Home?

    || 29-Aug-2016

    If your debt is too much to bear and your home is now at risk of foreclosure, a Chapter 13 may allow you to save your home. With a Chapter 13, struggling homeowners are given the opportunity to delay or prevent a foreclosure by paying off their mortgage arrears over time. Depending on the circumstances, some homeowners are even able to eliminate second and third mortgages through a Chapter 13. ...
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  • Get the Truth About Debt Settlement

    || 25-Jul-2016

    If you lost your job, have been unemployed for a while, or became injured or ill, you may have had no choice but to max out your credit cards to pay for basic necessities, such as groceries and gasoline. If your debt is only snowballing, you’re probably feeling overwhelmed right about now. How are you going to get out of debt? How much of a hit has your credit taken? Now, let’s imagine ...
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  • Do I Have to Pay All My Debts in a Chapter 13?

    || 16-Jun-2016

    Generally, debtors who file a Chapter 13 bankruptcy do not qualify for a Chapter 7 bankruptcy. This is because their income is too high, thus they are reverted to filing a Chapter 13 instead. If you are considering a Chapter 13 bankruptcy, surely you’ll want to know, “Will I have to pay off all of my debts?” Each debtor’s financial situation and debt obligations are unique, ...
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  • How Bankruptcy Stops Creditors Dead in Their Tracks

    || 17-May-2016

    Are creditors on your back? Are you receiving collection letters in the mail, or is your cellphone ringing off the hook? If you’re tempted to block the collectors’ numbers, or if you’re afraid that your automatic deposits will be snatched by creditors, you will be interested in learning about how bankruptcy can stop creditors dead in their tracks. When a debtor files for ...
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  • Qualifying for a Chapter 7 Bankruptcy

    || 20-Apr-2016

    Most consumer debtors file for bankruptcy under a Chapter 7 or a Chapter 13. If you are having financial problems, you may not be sure which bankruptcy is right for you. The answer will come down to the type of debts that you have, how much debt you owe, and your income. Essentially, Chapter 7 bankruptcy is reserved for debtors who do not have a lot of income; it’s for the debtors who truly ...
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  • Does Bankruptcy Protect Retirement Assets?

    || 21-Mar-2016

    You’ve been faithfully saving for your retirement and you have built a nice nest egg. But now, you’re going through hard times, you’re overwhelmed by debt, and you’re seriously considering filing Chapter 7 or Chapter 13 bankruptcy. If you file for bankruptcy, what will happen to your pension plan, 401(k) or IRA? Does bankruptcy protect your retirement accounts from ...
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  • Should I File Bankruptcy Before or After Divorce?

    || 23-Feb-2016

    With it being February, some people say that “love is in the air,” but if you speak to any divorce attorney, they’ll quickly tell you that they’re knee-deep in “divorce season.” Why? Because during the holidays, unhappy couples generally hold off on their divorce filings until the New Year, especially when there are children or big family celebrations involved. ...
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  • What is Lien Stripping?

    || 19-Jan-2016

    If your home has actually gone down in value since you bought it, you may be feeling sick to your stomach right about now. After all, one of the reasons you bought the property is so it would be an investment. Are you so far upside-down on your property that you can’t justify the mortgage payments? Has your neighborhood gone way down in values for one reason or another? If your house is ...
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  • How Bankruptcy Can Protect Seniors' Assets

    || 16-Dec-2015

    Not everyone’s career has set them up for a comfortable retirement. These days, more and more seniors can’t afford to live on Social Security alone. Sometimes, a senior is having difficulty earning the income they need to pay all of their bills. Perhaps they were aged out of the workforce or forced into early retirement. Or, perhaps they were replaced with a younger worker who was more ...
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  • Buying a House After Bankruptcy

    || 9-Nov-2015

    If you’ve decided to file Chapter 7 or Chapter 13 bankruptcy, you may be wondering if there’s any way you’ll be able to buy a home before the bankruptcy falls off your credit. We have good news for you –it is possible ! Once you file for bankruptcy, it’s going to take some time to build up your credit enough to apply for an auto loan or a mortgage on a home. However, ...
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Camp Hill, PA 17011

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York, PA 17402

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Chambersburg, PA 17201

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