Chapter 7 Bankruptcy in Pennsylvania

Learn About Your Options for Chapter 7 Bankruptcy Relief

The commercial law practice at Scaringi Law goes beyond contract, collection and litigation services for businesses and lenders. We apply our experience to the benefit of consumers and small businesses who need advice about their bankruptcy options.

Call Scaringi Law at (717) 775-7195 to schedule a case evaluation.

If current and continuing debt pressure has you thinking about a Chapter 7 bankruptcy case, contact our law firm in Harrisburg or Newport. Our experience and thorough understanding of the legal and practical issues involved with debtor-creditor issues can help assure that your bankruptcy case will go smoothly. Additionally, our experience can point you toward debt relief solutions that might just keep you out of bankruptcy court.

Chapter 7 bankruptcy is the fastest and most complete bankruptcy relief available under the law. For most families and small businesses, the process takes four to six months from beginning to end. Individuals and married couples can expect to receive a discharge of most unsecured debts, such as credit card obligations, medical and hospital bills, and even certain tax debts. Once your debts are discharged, you'll be able to concentrate on rebuilding your credit without the distraction and anxiety of pressure from creditors.

Our accomplished lawyers will go over your finances with you in detail — income, expenses, assets and debts — and tell you about your debt relief options. If you choose to file for bankruptcy protection, you'll get immediate protection from debt collection activities ranging from phone calls to garnishment or lawsuits.

Chapter 7 won't work for everybody. If you received a Chapter 7 discharge in the previous eight years, you won't be eligible for another discharge. If your net household income isn't under the Pennsylvania median, you won't pass the Chapter 7 means test. And if you own considerable assets that you can't exempt from creditors' claims, you might choose to avoid the liquidation of those assets by filing for Chapter 13 relief instead.

Chapter 7 bankruptcy represents the most effective and complete solution to chronic debt problems. To discuss your options with a knowledgeable Harrisburg bankruptcy attorney, contact Scaringi Law, serving Harrisburg and Newport, Pennsylvania.

Call (717) 775-7195 now, or click to contact Scaringi Law via our easy form. Learn more about our expert services in personal and business bankruptcy law.