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Quakertown, PA Bankruptcy Lawyer

Does Timing Matter When Filing for Bankruptcy?

Not everyone who is struggling with debt needs to file bankruptcy. But there are a number of reasons why someone may consider it. While medical debt tops bankruptcy cases in the US, credit card debt, mortgage debt, and a failed business are other common motivators for filing. If you fall under one of these categories…

CheckingAccount

The Three Types of Debt Borrowers Should Understand

All of your debts fall into one of three categories, and different bankruptcy chapters treat them differently. Knowing the types of debt you’re carrying can help you and your attorney make strategic decisions. They won’t be the only determinant of which chapter you file. You still can’t file Chapter 7 if you don’t pass the…

In the News: Relief for Veterans

This year, the passage of the HAVEN Act brings new relief to veterans who are facing financial distress. The abbreviation stands for “Honoring American Veterans in Extreme Need,” and corrects a major problem faced by military borrowers. Prior to the passage of the act, bankruptcy courts could use the Department of Defense disability payments to…

In the News: Discharge vs. Arbitration

Recently, a judge in the Eastern District of Pennsylvania made a ruling which could impact any Pennsylvania resident who has signed arbitration agreements with any creditor. “On September 17, the Eastern District of PA granted a creditor’s request to compel arbitration over a plaintiff’s argument that the arbitration agreement he had signed was void as…

Medical Centers Growing Aggressive About Debt Collections

Medical bills have been a leading cause for bankruptcy cases for a long time. Over half of most people’s unpaid debt comes from medical bills. But in some parts of the country, hospitals are all but forcing bankruptcies with aggressive debt collection practices that leave former patients in dire straits. Many hospitals have generous financial…

In the News: Sen. Chuck Grassley Proposes New Student Loan Legislation

Student loans are the hot topic of the 2020 race. Democratic candidates, in particular, are discussing a wide range of plans to address the looming student debt crisis. But if Republicans disagree on how student debt and the cost of college should be handled, they certainly seem to agree something needs to be done. Republican…

How to Spot a Student Loan Scam

There are few debts more stressful than student loans. While in cases of extreme hardship they can be discharged through bankruptcy it’s very hard to do so. That means plenty of Americans are feeling the strain of huge payments and debt loads they may never see the end of. And scammers are stepping in to…

SaveHome

How Bankruptcy Can Save Your House

Facing foreclosure? You can run out of options fast. You apply for a mortgage modification, only for the bank to deny it. You try to catch up, and you find it impossible. You try to stall through any of the legal remedies open to you, and you fend off scammers. But you’re really only buying…

How to Spot a Foreclosure Scam

You’re vulnerable when you’re facing foreclosure. You’re under a lot of stress, and you may not know what you should do to protect your home. So if you’re in this situation, it’s very important for you to know the signs of a mortgage scam so you don’t lose money you can ill-afford to lose. Asking…

What Should I Know About Filing for Bankruptcy as a Member of the Military?

If you’re in the military and you’re thinking about filing for bankruptcy, you’re not alone. Active duty service members file for bankruptcy every year. It’s important to realize you have the same rights as civilians when it comes to taking advantage of this legal form of financial relief. You also have some resources civilians don’t,…

Can I File Bankruptcy With a Reverse Mortgage?

If you’re one of the many seniors who is exploring the possibility of bankruptcy and you’ve got a reverse mortgage, this is an important question to ask. The short answer is you can file for bankruptcy. The long answer is: but it can get complicated. Here are some questions you should be asking yourself, and…

CollectionAgent

5 Things You Should Know About Collection Agents

Collection calls are annoying. They’re stressful. They’ve been known to reduce strong individuals to tears, and they’ve been known to wring money out of people who will have to go without groceries or medicine to satisfy them. That’s why it’s extremely important to realize what you’re dealing with. And what your rights are. #1) Collection…

Should I Pay Any Debts During the Automatic Stay?

One of bankruptcy’s best powers is its ability to grant you relief from creditor actions through the legal method known as the Automatic Stay. The automatic stay keeps creditors from contacting you or taking any legal action against you. For many borrowers, that means you’re not going to write another check to most of your…

What Happens to My House During Bankruptcy?

If worries about your house are keeping you from filing for bankruptcy, you are not alone. Lots of people are afraid that bankruptcy automatically means losing the house.  In truth, much depends on your bankruptcy strategy. And developing the right one will mean asking a series of important questions.  Are you current on your payments,…

Is Using a Bankruptcy Petition Preparer a Good Idea?

When you’re in a state of financial distress it’s natural to become overwhelmed with the idea of spending any money at all. So it’s no big surprise that some people turn to “petition preparation services” to try to file their bankruptcy. But these services can be as bad, if not worse, than trying to go…

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