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    • HOME
    • Bankruptcy
    • Ready To File
      • Filing Your Petition
      • Reaffirmation Agreements
    • After Bankruptcy
      • Post-Discharge
      • Rebuilding Credit
    • Estate Planning
      • Estate Documents
      • Probate
      • Resources & Helpful Links
    • ABOUT US
    • CLIENT PRAISE
    • SCHEDULE AN APPOINTMENT
  • HOME
  • Bankruptcy
  • Ready To File
    • Filing Your Petition
    • Reaffirmation Agreements
  • After Bankruptcy
    • Post-Discharge
    • Rebuilding Credit
  • Estate Planning
    • Estate Documents
    • Probate
    • Resources & Helpful Links
  • ABOUT US
  • CLIENT PRAISE
  • SCHEDULE AN APPOINTMENT

The Law Office of James M. Bach

The Law Office of James M. Bach The Law Office of James M. Bach The Law Office of James M. Bach
GET IN TOUCH

(717) 737-2033

The Law Office of James M. Bach

The Law Office of James M. Bach The Law Office of James M. Bach The Law Office of James M. Bach
GET IN TOUCH

(717) 737-2033

Experience You Can Trust

With over 40 years of experience in Bankruptcy Law, Civil Litigation and Estate Planning, attorney James M. Bach is a knowledgeable, trusted and long-standing community advocate.  Our legal team has proudly served families and individuals throughout Central Pennsylvania. Our practice area encompasses Dauphin, Cumberland, Perry, York, and Northumberland Counties.


For individuals considering filing bankruptcy, we understand this is a time of deep financial distress, therefore we strive to make the filing of bankruptcy as compassionate and effortless as possible.







Bankruptcy





Estate Planning

Top 5 Reasons why Individuals file for Bankruptcy

Bankruptcy

1. Medical Debt

The vast majority of families that file bankruptcy report medical debt is one of the primary reasons for filing. Sudden catastrophic illnesses or out-of-network charges quickly increases medical bills by thousands of dollars. 

2. Foreclosure

Almost half of those surveyed were spurred on by threat of foreclosure. Often the mortgage lender has denied a loan modification or requests an exorbitant amount to reinstate the loan. Filing a Chapter 13 Petition stops the foreclosure process. 

3. Totality of Debt

Let's face it, we live, work and play in a credit based economy. Unfortunately, store cards and major credit cards can quickly tax our disposable income as the minimum monthly payments barely cover interest. 

4. Financial Obligations to Family

Our family dynamics are changing. Adult children are opting to stay home longer, or move back home after college, while families are also tasked with caring for elderly family members.The financial strain of an ever increasing household size pushes some to their financial limit. 

5. Student Loans

Americans owe approximately 1.5 trillion dollars in student loans. While there are several repayment options available, most individuals cannot maintain repaying their student loans, credit card obligations and/or medical expense. 


Unfortunately, while there has been some promising headway, in general, student loans are not dischargeable through bankruptcy. 

You're Not Alone

Almost a million people filed for Bankruptcy in 2019. In the Harrisburg Metropolitan Area, York County led with the most filings, followed by Dauphin and Cumberland County. Read the full county by county breakdown.

FLEXIBLE PAYMENT PLANS ARE AVAILABLE

Contrary to popular belief, filing for bankruptcy is a sound financial decision that helps you to take charge of your finances. Stop wasting money paying high interest credit cards. Speak with a member of our trusted legal team today. We offer interest free personalized monthly payment plans to fit your budget. 

Schedule an appointment today

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Law Office of James M. Bach

352 S Sporting Hill Rd, Mechanicsburg, PA 17050, US

phone: (717) 737-2033 phone: (717) 737-2035

Hours

Monday - Friday: 8 am - 2:30 pm

Saturday & Sunday: Closed


e: Camille@JamesMBach.com

Copyright © 2020 Law Office of James M. Bach - All Rights Reserved.


Communication via this website does not constitute or create an attorney-client relationship between our firm and the sender. The content of any communication you send to us, electronically or by any other means, will not be considered confidential unless and until you have received written acceptance from the firm to undertake the legal services you may request. You should not send any confidential information to the firm by any means unless you have received such written confirmation and you should be aware that we can use any unsolicited information you send to us on behalf of our clients. We will neither accept requests for legal advice nor offer specific legal advice over the Internet. 

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