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

A Trustee is appointed to review your assets and debts. Schedule a consultation to discuss your unique situation. 

Chapter 13 Bankruptcy

Bankruptcy wooden blocks

You make monthly payments to a Trustee over three to five years to repay all or some of your debt. 

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.

Credit 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

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)