• 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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  • Can I File Bankruptcy More Than Once?

    || 13-Oct-2015

    If you’re thinking about filing for bankruptcy and you’ve already filed it once before, we want you to know that this is not uncommon. Sometimes people get into a financial bind for reasons beyond their control and they turn to bankruptcy for a much-needed fresh start. Or in this case, a second fresh start, and that is completely understandable. As York and Harrisburg bankruptcy ...
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  • Do Tax Liens Survive Bankruptcy?

    || 16-Sep-2015

    When debtors are struggling to put food on the table and keep a roof over their head, they often don’t have the funds to pay Uncle Sam. When they’re looking for long-term financial solutions, they’re often curious about tax liens and how filing for bankruptcy would affect such liens. What You Should Know About Bankruptcy & Taxes If you’re a home owner and you fail to ...
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  • Columbia House Files Bankruptcy

    || 11-Aug-2015

    Long before there was Napster and Spotify, there was Columbia House. For anyone under 35, they may have never heard of Columbia House, but for those of us who grew up with the lure of 11 tapes for a penny or 13 CDs for $1, its demise felt like a final goodbye to a bygone era. Columbia House was started by CBS in 1955 as a mail order album delivery service. CBS sold Columbia House to Sony, and in ...
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  • Volunteer Fire Department in Rural Pennsylvania Files Bankruptcy

    || 7-Jul-2015

    A volunteer fire department in rural Pennsylvania has filed for bankruptcy to protect its main source of revenue –bingo games. On July 1, 2015, the Wall Street Journal reported that the Madera Volunteer Fire Co. filed for bankruptcy on June 30, urging a judge to allow them to continue spending the cash necessary for fuel, propane, telephone services, insurance, the other necessary costs for ...
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  • Iconic Gunmaker, Colt Close to Bankruptcy

    || 11-Jun-2015

    Colt has been manufacturing guns in the United States for 160 years. As a result of the iconic gunmaker’s financial struggles, it missed a $10.9 million interest payment on its debt last month. It a regulatory filing, Colt stated that its failure to make the May interest payment raises substantial doubt over its ability to continue as a going concern. Colt admitted that it may have to seek ...
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  • Will Tuition Clawbacks in Bankruptcy Be a Thing of the Past?

    || 12-May-2015

    On Tuesday, Rep. Chris Collins (R., N.Y.) introduced a bill that would bar bankruptcy trustees from attempting to claw back tuition money from universities, and under some circumstances, from college students – a legal strategy that arises in some parents’ bankruptcy cases. Currently, when a parent files for bankruptcy after they have paid their children’s college tuition, they ...
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  • President Obama Considers Making Student Loan Debt Eligible for Bankruptcy

    || 9-Apr-2015

    The total student loan debt in the United States is in excess of $1.3 trillion, thus, it’s understandable why lawmakers are under considerable pressure to allow borrowers to include their student loan debt in their bankruptcy filings. Unlike credit cards, medical bills, personal loans, and mortgages, student loans cannot be included in bankruptcy – at least not yet. Since the federal ...
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  • Bankruptcy Myths Busted!

    || 5-Mar-2015

    Only people with zero spending control file for bankruptcy, right? Nothing could be further from the truth, say bankruptcy attorneys nationwide. Just ask any bankruptcy lawyer why their clients are driven towards bankruptcy, and you will hear the same reasons repeated: job loss, divorce, injury, illness, or foreclosure. The truth of the matter is that “bad things happen to good ...
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We have four locations for your convenience.

Harrisburg/West Shore Office
2132 Market St.
Camp Hill, PA 17011

York Office
2550 Kingston Road, Suite 209
York, PA 17402

Chambersburg Office
183 Lincoln Way East,
Chambersburg, PA 17201

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