Bankruptcy Attorney in Millbourne, Millbourne Station, and Highland Park
Our law practice has gotten a fresh start for people in the Philadelphia area for more than 20 years.
Are you suffering from too much debt you can’t repay?
Here at the Law Offices of David M. Offen, our bankruptcy attorneys are here to help you get a fresh start. When people have financial problems, they owe it to themselves to consider bankruptcy and other debt-relief options.
The Law Offices of David M. Offen practices Chapter 7 and Chapter 13 bankruptcy law in Pennsylvania. We can offer you the debt relief and immediate help, attention, and protection you deserve. Stop living a life of financial stress and worry – call us today and let us help you find the best solution to your financial difficulties, whether that is bankruptcy or some other debt relief option.
Filing for Bankruptcy
People encounter financial problems as a result of many different circumstances, including high interest rates, illness or injury, divorce or separation, job loss, or the death of a family member. For over 20 years, The Law Offices of David M. Offen have worked with clients considering bankruptcy — we have the experience to best serve you and solve your unique financial situation.
Contact us now to schedule a free consultation. We can advise you on the best move to make right now, considering bankruptcy and non-bankruptcy alternatives as well as your needs and goals.
Don’t File For Bankruptcy Without Consulting Our Attorneys
Unfortunately, there is a great deal of false information out there when it comes to bankruptcy. You can count on The Law Offices of David M. Offen for accurate bankruptcy information from an experienced and compassionate lawyer who will answer all your questions.
Our office staff is very friendly and will always address any concerns you may have about filing for bankruptcy. We’re here to provide you with answers to your questions — we want you to walk out of our offices feeling better than when you walked in.
Debt Relief FAQs
Everyone’s financial situation is different, but here are some general answers to the most common concerns people have:
Bankruptcy law allows for certain exemptions to protect your home and vehicle as well as a certain amount of personal property. We will help you sort through your options and make the best decisions for your unique financial circumstances. You should keep in mind that the purpose of the bankruptcy laws is to help people who are in debt get a fresh start without being burdened with debt, and how are you supposed to move on without clothing or a car? Call us and we can explain how the exemptions apply during your free consultation.
Bankruptcy is a hit on your credit report, and it will remain for up to 10 years. However, many people find that it does not hurt them as badly as they expected. By the time you file for bankruptcy, you probably already do not have very good credit due to past-due bills. Getting rid of those skyrocketing debts can make it easier to build new credit after your bankruptcy is complete.
Sorry, no. Back-owed alimony and child support cannot be discharged in bankruptcy. However, if you have other debt that makes your support payment unaffordable, you might consider filing bankruptcy to get that debt discharged so that you can pay your support payments.
Come in for your free consultation. Our bankruptcy attorneys can counsel you about the various ways to handle this, including but not limited to filing bankruptcy. If we do decide that bankruptcy is the best option for you, know that once you file the “automatic stay” is in place, halting any lawsuits against you.
Private student loans, yes: they can be discharged as general unsecured debt.
Federally-backed student loans, probably not. The standard for getting federal student loans discharged is very high. But if you have other debt that bankruptcy can get discharged for you, perhaps that will make your student loan payment more affordable. This is the sort of thing that we discuss in detail when you come in for your consultation.
A married couple can file bankruptcy jointly, or one spouse can file singly. If one files singly, the other will still be on the hook for any joint debt that the debtor has discharged.
A Chapter 7 filing will last 4-6 months after which the debtor gets unsecured debt discharged, meaning the debtor is no longer personally liable on that debt.
A Chapter 13 filing will take 3 or 5 years, during which the debtor makes a monthly payment to the Chapter 13 trustee and the trustee in turn pays secured and perhaps unsecured creditors. Chapter 13 allows a debtor to catch up on mortgage or car loan arrears and keep the house or car. At the end of the Chapter 13 plan, the unpaid unsecured debt is discharged.
Call Us to Schedule Your Free Consultation
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, 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.