Chapter 13 Bankruptcy Lawyers in Lancaster PA
Chapter 13 is a powerful tool that could effectively address many of the financial problems you are unfortunately facing. I will personally take the time to talk to you and simplify the process. After we have discussed your individual situation, I will explain how it could potentially help you. Call me today for a free consultation regarding Chapter 13 Bankruptcy.
How it can help you:
- Stop most civil lawsuits against you
- Stop all creditors from calling you at home and work or sending you collection bills
- Stop the foreclosure on your home and sheriff's sale and have the option to become
current on your missed payments through a 3-5 year plan
- Stop the repossession of your car and repay any arrears in a 3-5 year plan
- Cure tax problems or child/spousal support obligations
- Stop gas, water, electric shut offs and have the services immediately turned back on
- Remove certain liens from your real estate
- Eliminate unsecured credit card debt while paying nothing or very little in a 3-5 year plan
based on your current income
- Unlock frozen bank accounts and all collection activity
- Rebuild your credit score
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How can I find a reputable attorney in Lancaster for filing personal bankruptcy?
To find a reputable attorney in Lancaster for filing personal bankruptcy, seek recommendations from trusted sources, check online reviews, and verify their credentials and experience in bankruptcy law through local bar associations.
What should I consider when choosing a Chapter 13 bankruptcy attorney in Lancaster?
Consider the attorney's experience, local reputation, fee structure, and track record with Chapter 13 cases when choosing a bankruptcy attorney in Lancaster. Ensure they provide personalized support and have a deep understanding of your specific financial situation.
Where can I get legal advice on bankruptcy in Lancaster?
You can get legal advice on bankruptcy in Lancaster by contacting local bankruptcy attorneys or legal aid organizations. Many offer free consultations to discuss your situation and provide guidance tailored to your needs.
Can a bankruptcy attorney in Lancaster help with both personal and Chapter 13 filings?
Yes, a bankruptcy attorney in Lancaster can assist with both personal bankruptcy cases and Chapter 13 filings, providing expert guidance tailored to your specific financial circumstances and helping you navigate the legal process effectively.
What are the qualifications of a top bankruptcy attorney in Lancaster?
A top bankruptcy attorney in Lancaster typically holds a Juris Doctor degree, is licensed to practice law in Pennsylvania, has specialized experience in bankruptcy cases, and is well-versed in federal bankruptcy laws and local court procedures.
How do I select the right bankruptcy attorney for my situation in Lancaster?
To select the right bankruptcy attorney in Lancaster, research their experience, specialization in bankruptcy law, client reviews, and consultation availability. Schedule meetings to discuss your unique situation and assess their approach and understanding of your needs.
What is the process for filing bankruptcy with an attorney in Lancaster?
The process for filing bankruptcy with an attorney in Lancaster typically involves an initial consultation to assess your financial situation, followed by the preparation and filing of necessary paperwork, and representation during the bankruptcy proceedings.
Are there specialized attorneys for different types of bankruptcy in Lancaster?
Yes, there are specialized attorneys in Lancaster who focus on different types of bankruptcy, such as Chapter 7 and Chapter 13. These experts can help guide you through the specific legal processes and requirements based on your situation.
How can I compare the services of various bankruptcy attorneys in Lancaster?
To compare bankruptcy attorneys in Lancaster, evaluate their experience, client reviews, pricing structures, and the specific services they offer, such as Chapter 7 or Chapter 13 assistance. Scheduling consultations can also help you gauge their approach and compatibility.
What are the costs associated with hiring a bankruptcy attorney in Lancaster?
The costs of hiring a bankruptcy attorney in Lancaster typically range from $1,000 to $3,500, depending on the complexity of your case. Additional fees may apply for specific services, so it's essential to discuss your situation during the initial consultation.
What are Lancasters bankruptcy filing procedures?
Lancaster's bankruptcy filing procedures involve submitting a petition to the Bankruptcy Court, completing required forms, providing financial disclosures, and attending a creditors' meeting. It's recommended to seek legal assistance to navigate the process effectively.
How long does Lancaster bankruptcy filing take?
The bankruptcy filing process in Lancaster typically takes 3 to 6 months, depending on the complexity of your case and court schedules. However, the discharge of debts may take longer, especially in Chapter 13 plans that can last up to 5 years.
Can bankruptcy attorneys expedite Lancaster filings?
Yes, bankruptcy attorneys can help expedite Lancaster filings by ensuring all necessary paperwork is completed accurately and submitted promptly, which can lead to faster processing times and a smoother bankruptcy experience.
What are common pitfalls in filing for bankruptcy?
Common pitfalls in filing for bankruptcy include failing to disclose all assets and debts, not following court procedures, and underestimating the impact on credit scores. Additionally, seeking to discharge certain debts like child support is not permitted, leading to frustration.
How does bankruptcy affect my credit score?
Bankruptcy significantly impacts your credit score, typically lowering it by 100-200 points. However, while the mark remains for 7-10 years, it can provide a fresh start that allows you to rebuild your credit more effectively over time.
Are payment plans available for bankruptcy services?
Yes, payment plans are available for bankruptcy services, allowing you to manage fees more comfortably while pursuing financial relief. This flexibility ensures you can focus on your recovery without the added stress of immediate, full payments.
What assets can I keep after bankruptcy?
After bankruptcy, you can typically keep essential assets such as your home, vehicle, retirement accounts, and personal items, depending on state exemptions. It's important to consult with a bankruptcy attorney to understand specific protections.
How often can I file for bankruptcy?
You can file for bankruptcy multiple times; however, there are specific time limits between filings. For example, after a Chapter 7 discharge, you must wait eight years to file again, while a Chapter 13 requires a two-year wait.
Whats the difference between Chapter 7 and 13?
Chapter 7 bankruptcy allows for the discharge of most unsecured debts quickly, usually within a few months, while Chapter 13 involves a repayment plan over 3-5 years to pay back debts based on your income.
Can bankruptcy stop Lancaster creditor harassment?
Yes, filing for bankruptcy can effectively halt creditor harassment in Lancaster. It triggers an automatic stay, which legally prevents creditors from contacting you, pursuing collections, or initiating lawsuits during the bankruptcy process.
How do I start the bankruptcy process?
To start the bankruptcy process, schedule a free consultation with a qualified bankruptcy attorney who will review your financial situation and guide you through the necessary steps to file for either Chapter 7 or Chapter 13 bankruptcy.
What documents do I need for bankruptcy?
You will need a variety of documents for bankruptcy, including your financial statements, income proof, tax returns, a list of assets and liabilities, and any relevant contracts or agreements.
Can bankruptcy discharge all types of debt?
No, bankruptcy cannot discharge all types of debt. While it can eliminate unsecured debts like credit cards, certain obligations such as student loans, child support, and tax debts typically remain non-dischargeable.
How does bankruptcy impact co-signers?
Bankruptcy can significantly impact co-signers, as they remain legally responsible for the debt. If the primary borrower files for bankruptcy, creditors may pursue the co-signer for repayment, potentially affecting their credit and financial stability.
What is mandatory credit counseling in bankruptcy?
Mandatory credit counseling in bankruptcy is a requirement for individuals to undergo credit counseling from an approved agency before filing for bankruptcy, ensuring they are aware of alternatives and budgeting options.
Are tax debts dischargeable in bankruptcy?
Certain tax debts can be discharged in bankruptcy, but specific conditions must be met. Generally, income taxes must be at least three years old, filed on time, and assessed by the IRS within a two-year period.
How can I rebuild credit post-bankruptcy?
To rebuild credit post-bankruptcy, start by obtaining a secured credit card, making small purchases, and paying the balance in full each month. Additionally, ensure all bills are paid on time and consider becoming an authorized user on a responsible person's credit card.
Can I file for bankruptcy without an attorney?
Yes, you can file for bankruptcy without an attorney, known as "pro se" representation. However, it is highly recommended to seek legal advice to navigate the complexities of the process and ensure your rights are protected.
What is an automatic stay in bankruptcy?
An automatic stay in bankruptcy is a legal provision that temporarily halts most collection actions against you, including lawsuits, foreclosure, and wage garnishments, allowing you time to reorganize your finances without creditor interference.
How confidential is the bankruptcy process?
The bankruptcy process is generally confidential; however, it becomes a matter of public record once filed. While details of your case are accessible, personal information is protected, and creditor information is regulated to ensure your privacy.
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Why Choose Lazarus Law for Chapter 13 Bankruptcy?
At Lazarus Law, we have a team of experienced Chapter 13 bankruptcy lawyers in Lancaster PA who are dedicated to helping individuals like you navigate through the complexities of bankruptcy law. Our lawyers have a deep understanding of the Chapter 13 process and will work tirelessly to ensure that you achieve the best possible outcome for your financial situation.
When you choose Lazarus Law for your Chapter 13 bankruptcy needs, you can rest assured that you are in good hands. We will guide you through every step of the process, from the initial consultation to the final resolution of your case. Our goal is to provide you with the support and guidance you need to make informed decisions about your financial future.
Benefits of a Free Consultation with Lazarus Law
One of the key services we offer at Lazarus Law is a free consultation for individuals considering Chapter 13 bankruptcy in Lancaster PA. During this consultation, you will have the opportunity to speak with one of our experienced bankruptcy lawyers about your financial situation and explore your options for debt relief. This initial meeting is a valuable opportunity to get personalized advice and guidance tailored to your specific needs.
By taking advantage of our free consultation, you can gain a better understanding of the Chapter 13 bankruptcy process and how it could benefit you. Our lawyers will take the time to listen to your concerns, answer your questions, and provide you with the information you need to make an informed decision about your financial future. Contact us today to schedule your free consultation with Lazarus Law.