Filing for Chapter 7 Bankruptcy in Harrisburg
Get Professional Counsel from a Debt Relief Attorney
Whether you are drowning in credit card debt, behind on your mortgage, or overwhelmed by medical bills or the results of a disaster (fire, flood, or storm), bankruptcy may be the answer that will successfully see you through to the end of the tunnel.
- Related: Do I Qualify for Chapter 7?
At Dethlefs, Pykosh & Murphy Law, we take the time to understand your financial situation and develop a personalized case for you and your bankruptcy. You may be able to come out of this challenging time with hope and a secure financial future by contacting a Chapter 7 bankruptcy lawyer at our firm.
Debt Discharge Through Chapter 7
Are you confused after reading about bankruptcy on the Internet? You are not alone. Please understand that most of what you may have read was written by people such as creditors, collection agencies, and / or debt consolidation companies that have a personal interest in convincing you to avoid bankruptcy. For personalized advice and a complete picture, talk to a Harrisburg bankruptcy lawyer at our firm. We can help you understand the benefits of bankruptcy and guide you toward the best option for you.
Benefits of Chapter 7 Bankruptcy
Most unsecured debts will be discharged through liquidation
- You pay nothing back to your creditors
- Collection attempts are forced to cease
The process can be relatively quick and can help you break free of the burdens you may be feeling. To determine if this is the right choice for you, contact our firm right away.
What about the new Chapter 7 bankruptcy law?
When the new bankruptcy law went to effect in October of 2005, it added several new requirements to Chapter 7 bankruptcy filings. For example, a “means test” must now be used to help determine if an individual or couple qualifies for Chapter 7 bankruptcy or if Chapter 13 bankruptcy is the appropriate solution.
This means test deducts your living expenses from your household’s gross monthly income to determine how much disposable income is leftover. If your household’s disposable income is lower than the regional average, then you may qualify for Chapter 7 bankruptcy.
The bottom line is that in most cases we can generally achieve for our clients the same debt discharge that we achieved before the new bankruptcy laws took effect. In order to obtain the most from your case, contact our team and speak with an experienced attorney about your case.
Dispel Myths and Get Straight Answers
The myths about bankruptcy are endless, and we are never surprised anymore what our clients have heard about bankruptcy, the new law, and debt relief. Bring your fears to us and we’ll tell you the truth. The new law is nothing to be afraid of if you need a Chapter 13 or Chapter 7 bankruptcy.
Get started today and take the first step toward a brighter future! Contact Dethlefs, Pykosh & Murphy Law to schedule a free consultation.