Impact of COVID-19

Despite the ever-evolving business landscape, we are committed to continuing to provide the same level and quality of service for our current and future clients. As such we will be transitioning to using email, video and phone conferencing as our primary modes of communication. 


We are available to video conference via Facetime, Google Hangouts and Zoom during normal business hours.


Office hours will be scheduled on an as-needed basis as we do our part in mitigating the spread of this virus.  

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.

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. 

Contact Us

Schedule an appointment TODAY!

Better yet, see us in person!

Law Office of James M. Bach

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

phone: (717) 737-2033 facetime: (717) 649-8272 fax: (717) 737-4220

Hours

Monday - Tuesday: 8am - 4pm

Wednesday- Friday: 8am - 2:30pm

Saturday: By appointment

Sunday: Closed


e: Camille@JamesMBach.com