Bankruptcy Attorney Serving Springfield, Collingdale, Darby, and Glenolden, PA
WE CAN HELP! Thousands of our clients have moved on from their fresh start - you can too!
When good people have bad financial problems, they always look for an honest solution. We can find one for you.
If you find yourself in this situation, you owe it to yourself to consider bankruptcy – a legal, honest, and fair solution to your financial difficulties.
The Law Offices of David M. Offen are here to help. We provide many client-focused services, such as:
- a free initial consultation with a bankruptcy lawyer,
- reasonable attorney fees and payment place,
- flexible appointment scheduling (appointments available during the day, in the evenings, and after work), and
- the level of personal attention you will need during this difficult time.
Practicing both Chapter 7 and Chapter 13 bankruptcy law in Pennsylvania, The Law Offices of David M. Offen can offer you immediate protection from creditors and the debt relief you deserve.
Don’t you want to stop living in fear of the phone ringing? Call us today for an experienced bankruptcy attorney. We will help you find the best solution to your financial difficulties.
Filing for Bankruptcy
With our attention to personalized service, The Law Offices of David M. Offen have helped over 12,000 clients obtain a fresh start. We know that people encounter financial problems for many reasons, including loss of income, medical problems, disability, divorce, and failed business attempts. With more than 20 years of experience working with clients from Springfield and many surrounding areas, we have the knowledge and skills required to best serve you and solve your unique set of financial problems.
During your free consultation, we will consider both bankruptcy and non-bankruptcy alternatives based on your needs. We will advise you on the best move to make right now, and set you on the path toward financial freedom.
Don’t File Until You Speak with an Experienced Bankruptcy Lawyer!
Unfortunately, Springfield is filled with false information about filing for bankruptcy. You can count on The Law Offices of David M. Offen for accurate, clearly-worded bankruptcy information from an experienced lawyer. Our friendly office staff is always happy to address your concerns and to answer any questions that might arise.
Our goal is to help you feel comfortable with the process and to walk out of our offices feeling like a weight has been lifted from your shoulders. Isn’t it time you got some relief from the burden of too much debt?
Common Questions about Debt Solutions
Everyone’s situation is different, but here are general answers to the most common concerns:
No. Bankruptcy is reported to the credit agencies, and it will stay on your credit report for up to 10 years. However, most people already have bad credit by the time they file for bankruptcy because they are behind on their bills. By wiping out mounting debts with bankruptcy, you will be able to rebuild your credit quickly after your bankruptcy is final, and enjoy a new financial start.
Many of our clients have found that once they get their unsecured debt discharged, their credit score improves because their debt-to-income ratio has improved so dramatically.
You call us. Come in and we will discuss your options, which depend entirely upon your goals and available income stream.
If you know you cannot afford your home any longer, you can surrender the property in a Chapter 7 filing, and get the underlying mortgage debt discharged – meaning, you are no longer personally liable for that debt.
If you feel you can afford to repay the mortgage arrears over time, then filing Chapter 13 is the way to go. You will have either 3 or 5 years to repay the arrears, after which you will be discharged of your unsecured debt and you can move on as if you never fell behind in your mortgage payments.
If your home is worth less than your first mortgage, you can “strip off” a second (and third!) mortgage and get it discharged as unsecured debt in a Chapter 13 bankruptcy filing. Call us and schedule your free consultation so we can discuss your options.
“Cram down” is when a person files a Chapter 13 petition and tell the auto lender that the car is worth less than what is owed on the loan. The debtor can pay market value at a greatly-reduced interest rate over the life of the Chapter 13 plan (3 or 5 years) and own the car outright upon completion of the plan.
Well, you have several depending upon the amount and type of debt you have and your income stream. Come in for your free consultation and we will discuss how you can immediately use the FDCPA (Fair Debt Collection Practices Act) to stop annoying phone calls. We will also discuss what bankruptcy and other debt relief options can do for you.
The Law Offices of David M. Offen Can Help You Be Free of Debt
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.
