Bankruptcy

Bankruptcy is a process in which consumers and businesses can eliminate or repay some or all of their debts under the protection of the Federal Bankruptcy Court. For the most part, bankruptcies can be divided into two types — Chapter 7 and Chapter 13.

Chapter 7 and Chapter 13 Petitions

Chapter 7 Bankruptcy

Empty wallet

Your eligibility to file a Chapter 7 is based on your family's income, assets and family size. If you fall within the guidelines, your debt (and that of your spouse, if filed jointly) will be discharged. 


Visit the FAQ portion of our website to obtain answers to the most frequently asked questions. Or schedule a free consultation to discuss your unique situation. 

Get started today!

Chapter 13 Bankruptcy

Bankruptcy wooden blocks

In a Chapter 13, individuals make monthly payments to a Trustee over three to five years to repay some or all of your debt. The amount of your repayment is based on your unique situation and financial ability. 


Filing a Chapter 13 also allows families to save their home from foreclosure!

Find out more

Preparing to File

Filing cabinet

 Please use the Consultation Checklist to assist you in gathering paperwork necessary to proceed. If you are missing or do not have access to the documents, we ask that you keep your scheduled appointment.

Hand deliver the day of your appointment, PDF attachments emailed prior to your appointment or fax the requested information.

Consultation Check List

Credit Counseling

Access Counseling

Everyone who considers filing for bankruptcy must undergo credit counseling before the Courts will allow the Petition to be processed. 

Meeting of Creditors

Court

Depending on where you live, you may attend a hearing in Harrisburg, York or Selingsgrove. Don't worry, we will accompany you to your hearing. 

Client Praise

Happy family

We love our clients as much as they love us!

DISCHARGE: In depth

  • The discharge only applies to debts that arose up to the date you filed. 
  • Additionally, if you've received money or property by fraud, that debt may not be discharged. It is important to list all your property and all your debts in your bankruptcy. If you do not, it is possible that debt will not be discharged.
  • It is important to note you can be denied a discharge if you do something dishonest in connection with your bankruptcy case, such as destroy or hide property, falsify records or lie or disobey a Court Oder.
  • Some creditors hold a secured claim (for example, the bank that holds the mortgage on your house or the loan company that has a lien on your car). You do not have to pay a secured claim if the debt is discharged, but the creditor can still take the property therefore continue to pay unless you wish to surrender the home and/or car. (This can be a tricky concept. We will be happen to explain this further)