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Hiring a Bankruptcy Lawyer vs. Going Pro Se

When you’re in the middle of financial distress it’s natural to want to tighten your fist. Fears of having to pay a lawyer exorbitant fees might drive you to try to represent yourself in bankruptcy court. This is a major mistake. Here’s why. Likelihood of a Successful Case Did you know when you represent yourself…

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It’s Time to End the Stigma of Bankruptcy. Here’s Why.

As Philadelphia bankruptcy attorneys we have to educate people past the stigma of bankruptcy every single day. People have been trained to believe there is no greater shame than turning to the courts to get debts discharged and dealt with. But this is a lie, largely perpetuated by creditors who would rather pursue every American…

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4 Budgeting Apps for Life After Bankruptcy

It would be a misnomer to say everyone who ends up in bankruptcy does so because they don’t know how to manage a budget. Many people face bankruptcy because of unavoidable medical problems, sudden job losses, divorce, and other unexpected events. Still, there are also those people who wind up living well beyond their means.…

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What is the Bankruptcy Means Test?

While everyone can file for bankruptcy protection, Chapter 7 is restricted by a means test. Chapter 7 bankruptcy completely erases debts without requiring you to enter into any kind of a payment plan, so the law demands you must fall below certain income and asset levels before you are allowed to take advantage of this…

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How to Choose a Bankruptcy Attorney

Filing for bankruptcy can be one of the biggest decisions you’ll ever make. But while the act of filing can bring lots of positive changes to your life, you only really reap the full benefits if you have a qualified bankruptcy attorney standing by your side. Of course, there are a whole lot of bankruptcy…

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5 Successful People Who Bounced Back from Bankruptcy

As Pennsylvania bankruptcy attorneys we run into many people who are afraid bankruptcy is going to be the end of the world for them. We spend a lot of time calming people’s fears that life may never be the same. Most of the time, these fears have even caused them to wait way too long…

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Even One Missed Credit Card Payment Can Have a Massive Impact

The average American household carries $6,348 in credit card debt. In March of 2018 the nationwide credit card debt tally exceeded $1 trillion for the first time in history. By the end of 2018 analysts expect this figure to skyrocket to $4 trillion. If you’re struggling with credit card debt, it’s safe to say you’re…

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Steps to Take When Your Bankruptcy Case is Dismissed

One of the worst outcomes any debtor could deal with is having their bankruptcy case dismissed. And it can happen to anyone, even celebrities. For example, music star Lil’ Kim dealt with a possible bankruptcy dismissal this summer after a trustee rejected her Chapter 13 repayment plan. A dismissal is bad because it means all…

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6 Things to Get Together Before Filing for Bankruptcy

As Philadelphia bankruptcy lawyers we often see some cases go south because of problems with the disclosures all debtors are required to give during the process. From forgetting to include a creditor to failing to disclose an asset, these oversights can slow down your case at best and see you convicted for bankruptcy fraud at…

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What You Need to Know About Being Sued for Debts in New Jersey

Our bankruptcy practice covers New Jersey as well as Pennsylvania. In the past we’ve already discussed being sued for debts in Pennsylvania. We thought it would be a good idea to cover New Jersey here on our blog as well. Unlike Pennsylvania, New Jersey is not a kind and friendly place to be caught up…

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