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What to Expect at a 341 Hearing

When you file for bankruptcy you will, at some point, find yourself at a 341 hearing. This hearing is also called the meeting of the creditors hearing. You, your attorney, any creditors who wish to show up and your trustee will be present. For the most part, these hearings are not terribly exciting, though we…

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4 Reasons You Should Never Be Ashamed to File for Bankruptcy

As Philadelphia bankruptcy lawyers we are often confronted with clients who are concerned about filing. Some of those concerns are tangible, physical worries, like whether they’ll be able to keep the house or whether they will ever be able to get credit again.Others are far more emotional. And one of the most prominent emotions, the…

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How to Deal with Collection Calls

It starts happening almost as soon as you start getting behind on your bills. Some, or all, of those bills get sent on to third-party collection agencies. When that happens, the calls start, sometimes multiple times a day. If you make the mistake of answering the phone you’ll be badgered, shamed, and cajoled into paying…

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Can I Include Medical Debt in a Bankruptcy?

If you’re like 2 million other Americans, you may struggle with medical debts, even if you have insurance.  Medical care costs are skyrocketing, insurance covers less than it ever did, and premiums are through the roof if you’re lucky enough to have it all. Some people struggle to pay for routine doctor’s visits. If the…

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Can I Buy a Car After Bankruptcy?

While Philadelphia is blessed with a pretty good Walk Score at 79, most of our bankruptcy clients find they both need and want to have a car. And while some people walk out of bankruptcy declaring they will never sign on to get another car payment ever again, preferring to get a cheap used car…

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Why Bankruptcy Increases Your Credit Score

Afraid your credit score will never recover if you choose to file bankruptcy? You’re not alone. As Philadelphia bankruptcy attorneys, we hear this fear a lot. The amount of misinformation out there doesn’t help. But believe it or not, you don’t have anything to be afraid of. Bankruptcy actually improves most people’s credit score. Here’s why. If…

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When Should Chapter 13 Be Used as a Stalling Tactic?

In a previous post we discussed how some clients file a Chapter 13 bankruptcy as a legal stalling tactic, one that gives them some time to maneuver into a better position. As you can imagine, this isn’t a strategy one embarks on lightly. It can, however, be an appropriate strategy when one is using a…

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4 Bankruptcy Pitfalls to Avoid

Bankruptcy doesn’t have to be terrifying. Done right it almost starts to seem a little banal. Your lawyer will tell you to take a step or sign a document. You’ll do it. The process will continue until you get your discharge. However, there are ways to add mountains of additional and unnecessary stress to the…

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Why You’ll Definitely Get Credit Card Offers After Bankruptcy

Afraid you won’t get any credit card offers after bankruptcy? Believe, at best, you’ll be stuck with a small, secured credit card? As Philadelphia bankruptcy lawyers we hear this fear every day. Fortunately, there’s good news. Typically, credit card offers come pouring in directly after your discharge. There are several reasons. First, your credit score…

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Department of Education Evaluates Undue Hardship

Student loans are incredibly difficult to discharge in bankruptcy. There was a time when you couldn’t discharge them at all. Eventually, undue hardship provisions offered a way forward for some borrowers. As Philadelphia bankruptcy attorneys, we’ve been pleased to help a few of our clients escape the difficulties associated with an excess of student loan debt.…

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