Bankruptcy Attorney Serving Bryn Mawr, Haverford, and Havertown, PA
For more than 20 years we have helped our clients get their fresh start - let us help you too.
All of us at the Law Offices of David M. Offen are prepared to help you get a fresh financial start. When good people have money problems, they owe it to themselves to consider bankruptcy and other debt-relief solutions. Let us help you. Give our experienced bankruptcy attorneys in Greater Philadelphia a call.
We practice Chapter 7 and Chapter 13 bankruptcy law and we have negotiated many debt settlements. We can get you debt relief and immediate help and protection. Don’t you want to stop living a life of stress and worry?
People encounter financial problems as a result of many different circumstances:
- Divorce or separation
- Family problems like illness or drug or alcohol addiction
- Serious illness or injury
- Loss of job or income
- Failed business
- Death of a family member
- Gambling problems
- Credit cards and loans with high interest rates
Whatever the cause, bankruptcy is an honest statutory solution to your financial problems.
Filing for Bankruptcy in Bryn Mawr, Havertown, or Haverford
For over 20 years, David M. Offen, Esq. has solved his clients’ financial problems. The Law Offices of David M. Offen provide personal service and have helped thousands of clients obtain a fresh start.
Take action today! Contact us now to schedule a free consultation. We can advise you on the best strategy for dealing with your debt. We always consider non-bankruptcy alternatives as well as bankruptcy, taking your unique situation into consideration.
Here are just a few of the reasons to consult us:
- Free consultation with a bankruptcy attorney
- Affordable fees and easy payment plans
- Day, evening, and after work appointments
- Great personal service
Don’t File For Bankruptcy Without Consulting An Experienced Bankruptcy Attorney
There is so much misinformation out there on filing for bankruptcy in Bryn Mawr and other surrounding areas— we’ll make sure you get accurate bankruptcy information from an experienced, caring, and compassionate lawyer who will answer all your questions. Our office staff is very friendly, and you can count on us to address any concerns you may have about filing for bankruptcy.
We’re here to provide you with the answers to your questions, and you will walk out of our offices feeling better than when you walked in.
Bankruptcy FAQs
Everyone’s situation is different, but here are some answers to the most frequently asked questions:
Don’t worry – in most cases, some or all of your possessions are protected by law. You can claim exemptions to protect your home and vehicle, as well as a certain dollar value of personal effects. We will review your assets and help you make the best decisions for you. The bankruptcy laws were put into effect to allow individuals to get a fresh start – how do you get a fresh start and move without your house, car, clothing, etc? Call us so we can discuss it.
Bankruptcy is considered a hit to your credit score, and it will remain on your credit report for up to 10 years. But many people find that the impact is not as bad as they were afraid of. Most people don’t file for bankruptcy until their credit is already bad, and wiping out those mounting debts can actually help you re-establish credit quickly after a bankruptcy filing. Plus, when your debt-to-income improves after your debt is discharged, you will likely see your credit score improve!
Yes, of course we can. Call us so we can discuss whether you want to keep your home or surrender your home.
If you are in arrears on your mortgage and feel you just can’t afford to keep your home, filing Chapter 7 will allow you to surrender the property and be discharged of the underlying debt. Yes, you read that correctly – you can walk away from your home and owe nothing.
If you want the opportunity to pay the arrears over time, Chapter 13 is for you. As long as you have steady income, you can repay mortgage arrears over the life of your three-or five-year plan and get caught up.
Yes. Filing a Chapter 7 petition allows you to “surrender” the leased car and be discharged of the underlying debt.
Chapter 13 was created for situations like this. Once you file your car cannot be repossessed, and as long as your Chapter 13 plan provides for payment of the arrears and you make your plan payments, you will be able to keep your car.
If your home is worth less than the amount you owe on your first mortgage, filing Chapter 13 allows you to “strip off” a second mortgage as unsecured and get it discharged.
There are circumstances under which back-owed income tax can be discharged, but the rules are complex. Call us and we will discuss your options.
Neither back-owed alimony nor child support can be discharged. However, if you get your other debts discharged you may be able to more readily afford your support payments.
Call The Law Office of David M. Offen to discuss your options. Your initial consultation is free!
The U.S. Congress has declared our office to be a debt relief agency. We proudly help file for relief under the Bankruptcy Code.
If you are ready to take the first steps toward financial freedom and enjoying life again, call the Law Offices of David M. Offen today at (215) 625-9600 to schedule your free initial consultation. We’re here to help you every step of the way.
