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Connellsville Bankruptcy Attorneys You Can Depend On

Helping ease the stress of overwhelming debt

It is an unfortunate fact — good people often find themselves in financial trouble that quickly spins out of control. Margaret Zylka House, Attorney at Law offers local bankruptcy services that help people in dire financial straits understand the available options, make informed decisions and navigate the often intimidating process of filing for bankruptcy.

If you are facing financial difficulty, filing for protection under the United States Bankruptcy Code can assist in the following:

  • Save your home from foreclosure
  • Stop annoying and harassing calls from creditors
  • Prevent your wages from being garnished
  • Save your car from repossession
  • Eliminate or reduce your debt
  • Prevent utility shut-offs
  • Stop civil lawsuits filed against you

Bankruptcy isn’t right for everyone; several factors determine if you can and if you should file for bankruptcy.  The best way to determine if it is right for you is to work closely with a reputable bankruptcy attorney in Connellsville who provides knowledgeable guidance.  Candice J. Raymond, Esquire, is ready to answer your questions, explain every aspect of the law and outline your options.  The process doesn’t have to be difficult – it just has to provide you with debt relief.

Personalized bankruptcy solutions under Chapter 7 and 13

Most people, whether filing individually or jointly, can file for protection under the bankruptcy code under either Chapter 7 or Chapter 13.  Several factors determine which option is best for your situation.

Chapter 7 Bankruptcy

Chapter 7 allows you to eliminate most debts and make a fresh start.  Qualification for Chapter 7 is determined by your household income and the assets that you own.  You may qualify for Chapter 7 even if you are working, own a home or cars or have retirement savings.  Although Chapter 7 is referred to as liquidation bankruptcy, where the court could sell your assets, the majority of individuals will have all of their assets protected.

Chapter 7 allows for elimination of your unsecured debt, including credit cards, personal loans, past due utilities, medical bills, judgments from a civil lawsuit or deficiencies from repossessed automobiles.  Chapter 7 does not eliminate student loan obligations, spousal or child support obligations, criminal fines and restitution and most taxes.  Chapter 7 cases are a relatively quick process and can be completed in just a few months.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is a repayment plan bankruptcy.  It is typically used by people who want to save their home from foreclosure, save an automobile from repossession, or pay delinquent real estate taxes.  Additionally, individuals who have too much income or unprotected assets to qualify for Chapter 7 can file under Chapter 13.

Chapter 13 is a more complicated process than Chapter 7, with a typical case lasting 3 to 5 years.  Our law firm guides clients through the process of restructuring and repaying debts in a Chapter 13 case.  Depending on your particular financial situation, it may still be able to eliminate or reduce some of your debt with a Chapter 13 bankruptcy.

In a Chapter 13 bankruptcy — also known as reorganization bankruptcy — our attorneys:

  • File a proposal for debt repayment on your behalf with the federal bankruptcy court
  • Devise a manageable repayment plan — that you must agree to — that usually lasts three to five years
  • Help you eliminate your debt and avoid liquidating your assets
  • Get you back on track financially

Once you decide that bankruptcy is the best course of action for your situation, we work efficiently and effectively to bring it to as swift a resolution as possible.

Contact a Connellsville Bankruptcy lawyer to discuss your options

Regardless of your situation, our knowledgeable and experienced staff can help you find a solution to your financial difficulties.  The worst thing you can do is to do nothing.  Bankruptcy can be the best option for putting debt behind you.  To learn more and schedule your FREE consultation, call Zylka House, Attorney At Law today at 724-620-6805 or contact us online. Conveniently located on Route 119, we serve Connellsville, Greensburg and Uniontown.