What Happens if I Can’t Pay My Student Loans?
If you’re falling behind on your student loans, you may be worried that your wages will be garnished or your tax refund will be taken. Bankruptcy no longer erases student loans, but there are other...
View ArticleChild Support and Bankruptcy
If you are paying child support and considering filing bankruptcy, you may be wondering how bankruptcy will affect your ability to make payments. Alternatively, if you are receiving child support from...
View ArticleAre There Any Alternatives to Bankruptcy?
To many people, filing for bankruptcy is an "either-or" proposition. Either they continue to struggle, living pay check to pay check and paying only the minimum payment or they file bankruptcy and...
View ArticleFree Consultation – Fact or Fiction?
Many bankruptcy attorneys claim to provide a free consultation regarding your situation. The question is what is considered a consultation. This definition can vary wildly between attorneys....
View ArticleAvoiding Foreclosure
According to a recent article in the Daily American newspaper, last year at least 166 Somerset County properties were bank-owned, sold “short,” or foreclosed. We know this is just a fraction of what’s...
View ArticleWhen Should I Disclose My Bankruptcy?
Bankruptcy is one of life’s more distressing and emotional events. Once it’s over, you will likely want to put it all behind you and never really think about it again. Unfortunately, at least for a...
View ArticleWhat to Expect at the 341 Bankruptcy Meeting
When filing for bankruptcy, many clients express anxiety at the thought of the Meeting of Creditors (also called the 341 meeting, after Section 341(a) of the Bankruptcy Code). Knowledge is power, and...
View ArticleBankruptcy and Discharge of Debts
When we talk about bankruptcy, we talk a lot about “discharge of debts,” but what exactly does that mean? When are the debts discharged? What debts are discharged? Can creditors object? Let’s discuss....
View ArticleHarrisburg’s City Debt on Hold for Bankruptcy Ban
Times have been tough for everyone since the financial crisis nearly five years ago, and inescapable debt has become a fact of life for many people, businesses and even municipalities. Pennsylvania’s...
View ArticleWhich Works Best for You — HAMP or HEMAP?
Various choices are available for loan modifications and determining the best option for you can be confusing. You may have heard of HAMP, a federal loan modification program. HEMAP is the loan...
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