Can I file a bankruptcy without my spouse?

The short answer is, yes. If one spouse is carrying debt or the majority of the debt, that spouse may be desirous of filing a Chapter 7 or Chapter 13 Bankruptcy. A Bankruptcy filing is associated with a social security number and although only the filing party’s social security number will be listed and associated […]

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 […]

In The News: Relief For Student Loans

The American Bankruptcy Institute has proposed new rules, and while these rules don’t require Congress to change bankruptcy laws, they may nevertheless provide relief for borrowers. That is because the report includes advice to bankruptcy judges who might want to be more lenient with student loan borrowers, but whom have lacked the precedent and case […]

Does the IRS Hire Private Collection Agencies?

Accruing a massive amount of debt to the IRS is one of the scariest things that can happen to a person. Private collection agencies can certainly pile on the stress. Here’s the short answer: sometimes the IRS uses private collection agencies, sometimes they don’t. Attempts to hire private debt collectors to retrieve IRS debt have […]

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. […]

Will Bankruptcy Impact Your Career in Philadelphia?

As Philadelphia bankruptcy lawyers one of the biggest concerns we hear is whether taking the step of declaring bankruptcy will impact our client’s abilities to pursue their careers, or even to stay employed. Since your ability to make money is generally the greatest asset you have, this is a great question to ask. Fortunately bankruptcy […]

What Philadelphia Residents Should Know About the FDCPA

As Philadelphia bankruptcy lawyers we meet many clients who are being harassed by their creditors day and night. Creditor harassment is a major reason why many clients contact us in the first place. Bankruptcy can put an immediate stop to bad creditor behavior through the power of the automatic stay. However, it’s also a good […]

Is It Possible to Discharge Student Loans Through Bankruptcy?

Student loan defaults are on the rise. Payments are often extremely high, and options for debt relief are few. Very few borrowers manage to get their loans discharged through bankruptcy, but it’s not impossible. According to Mic, 39% of student loan borrowers have managed to at least get some of their student loans discharged, if […]

How Do I Find a Bankruptcy Lawyer in Montgomery County?

medical bankruptcy lawyer

If you’ve been thinking about filing for bankruptcy in Montgomery County, you aren’t alone.  In fact, you might be surprised to learn just how common bankruptcy cases are in Montgomery County, where most years, more bankruptcies are filed than any other county in Pennsylvania, except for Philadelphia.  But with so many bankruptcy legal services to […]

What is Bankruptcy Fraud in Pennsylvania?

bankruptcy attorney philadelphia

Bankruptcy is a complex, multi-stage process, but at its heart, can be boiled down into two critical phases: filing for bankruptcy, which is the process of submitting your legal documentation to the bankruptcy court, and the bankruptcy discharge, which releases the debtor from his or her liability for medical debt, credit card debt, and other […]