• 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

    Can I Get Rid of My Second Mortgage? 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 ...
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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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  • 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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Camp Hill, PA 17011

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2550 Kingston Road, Suite 209
York, PA 17402

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Chambersburg, PA 17201

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