If you decide to file a Chapter 7or Chapter 13 bankruptcy, you will be required to complete credit counseling and a debtor education course. However, this is required of all individual or non-business bankruptcy filers throughout the United States, not just here in Pennsylvania. Anyone who files...

A lot of debtors who file Chapter 7 bankruptcy are behind on their rent or mortgage. They’re 30, 60, or 90 days late on their credit cards. Their utilities are close to being shut off by the utility companies, and their vehicles are an inch away from being repossessed. As debtors learn more about...

Starting a business is an admirable endeavor. For many entrepreneurs, if they don’t have the personal funds to bootstrap their business, or if their business idea was rejected by Venture Capital firms and Angel Investors, their last resort is a Small Business Administration loan through an...

Bankruptcy can be an extremely valuable debt-relief option for Americans who are saddled with so much debt, it would take them years, if not decades to dig out. Unfortunately, though, some debtors have been known to abuse bankruptcy in the past. When debtors conceal assets from the bankruptcy...

If you have accumulated a lot of credit card debt and you’re seriously considering filing Chapter 7 or Chapter 13 bankruptcy, you may be thinking that you’re going to swear off credit cards forever. You may even be thinking, “For here on out, I’m only using cash” or “I will never touch another...

Many people who file for bankruptcy are concerned about creditors harassing them or calling at all hours seeking payment. However, you have legal protections from this kind of behavior. Federal debt collection laws regulate what creditors can say and how often they can contact you. If you are...

When you file for bankruptcy, this does not mean you will have to lose all your possessions to creditors. There are certain exempt properties that you may keep so you can have a fresh start once the process is finished. There are a variety of federal bankruptcy exemptions, as well as state...

Do you presently have federal student loan debt hanging over your head? If you’re already having a cash flow problem that’s affecting other debts, you could be wondering, “Can federal student loan debt be discharged in a Chapter 7 or 13 bankruptcy?” This is a very good question and we assure you,...