Harrisburg Chapter 7 Bankruptcy Lawyers
If medical bills, credit card debt and other obligations have gotten to the point where you simply cannot make payments, it may be time to consider bankruptcy as a way to get your finances back on track. A Chapter 7 filing could be the fastest, most effective way to get the fresh start you are looking for.
At Purcell, Krug & Haller, we are passionate about helping people get through challenging financial times. Our Harrisburg Chapter 7 bankruptcy attorneys have helped hundreds of Pennsylvania clients erase their debts, wipe the slate clean and move forward into brighter futures. We are here to counsel and advise you, not to judge you in any way. We have seen over and over again how easy it is for hardworking people to slip into financial trouble. The law gives you a way to regain control and we can help you put the law to good use.
How Does Chapter 7 Bankruptcy Work?
When you visit our offices in Harrisburg or Hershey, one of the first things we will do is analyze your finances to determine the type of consumer bankruptcy for which you qualify. You may have heard that it is very difficult to qualify for Chapter 7 due to recent changes in the law. This is simply not true. Most people who qualified under the old law still qualify today. And, even if you have too much income or resources for Chapter 7, there may be nothing that would prevent you from seeking relief under Chapter 13.
If you do qualify for Chapter 7 bankruptcy, our Harrisburg lawyers can help you with the complex filing requirements so that you begin to reap the benefits of bankruptcy protection. Some of these benefits include:
- Complete elimination of unsecured debts such as medical bills and credit card debt
- Putting a stop to home foreclosure
- Eliminating older tax debts
- Stopping creditor harassment such as phone calls and threatening letters
- Stopping wage garnishments and vehicle repossessions
Can I Save My Home or Car?
Chapter 7 is sometimes referred to as "liquidation" bankruptcy because some assets are sold to pay debts. This does not mean you will lose everything. Through the use of exemptions, we may be able to help you hang onto important items like your house or car. However, this is a time to be realistic, which means realizing there are some things that are not affordable right now. Many people, therefore, decide to surrender their home or car, which frees them from the debt associated with those items.
When you visit us, we will advise you of all your options and develop a strategy that resolves your debt issues while also maintaining as much personal property as is reasonable.
Contact a Hershey Attorney to Discuss Medical or Credit Card Debt
You deserve a chance to start fresh. Our Harrisburg and Hershey bankruptcy lawyers can help you get there. For a free initial consultation, please call 717-260-3485 or toll free 866-586-6058. You can also send us and email.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.