Hiring a Bankruptcy Lawyer in Pennsylvania
Bankruptcy offers many financial benefits, including debt relief, foreclosure prevention, and protection from debt collectors. However, in order to receive these benefits, you need to ensure that your case is filed and completed properly. This requires strict adherence to numerous rules and regulations, most of which are contained in federal law under the U.S. Bankruptcy Code.
The Philadelphia bankruptcy attorneys of Sadek and Cooper Law Offices, LLC can help you navigate these laws successfully, so that you complete your case efficiently while reaping the maximum benefit from the bankruptcy process. Continue reading to learn more about hiring a bankruptcy attorney in Pennsylvania, and how a bankruptcy lawyer from Sadek and Cooper Law Offices, LLC can help with your case. When you’re ready to talk more about bankruptcy in a free legal consultation, call our law offices at (215) 545-0008.
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Do You Need a Bankruptcy Attorney?
Most Pennsylvanians who declare bankruptcy file for either:
- Chapter 7 Bankruptcy (Liquidation, Ordinary Bankruptcy, Straight Bankruptcy)
- Chapter 13 Bankruptcy (Reorganization, Wage Earner’s Plan)
Chapter 13 is more complicated and time-consuming than Chapter 7, increasing the importance of skilled representation. However, regardless of which chapter bankruptcy you ultimately file, it is in your best interests to hire a bankruptcy lawyer before you begin the process. But why is legal representation so crucial, and how can a bankruptcy attorney help?
To answer the first question, legal representation is important due to the technical complexity of bankruptcy regulations. It was somewhat easier for debtors to represent themselves in the past, but in 2005, Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA), which made former bankruptcy laws more comprehensive and rigorous.
While BAPCPA has helped achieve its purpose of reducing bankruptcy fraud and abuse, it has also made bankruptcy procedures considerably more challenging for consumers to understand and navigate. By interpreting bankruptcy laws for you, and explaining the meanings behind unfamiliar legal terminology, your attorney can help you follow the rules to complete your case successfully, while simultaneously ensuring that your rights are protected.
Other than educating you about your rights and responsibilities as a debtor in Pennsylvania, there are also many other ways our bankruptcy lawyers can assist with your case. At Sadek and Cooper Law Offices, LLC, our attorneys provide a range of legal services to make the Pennsylvania bankruptcy process easier and more effective, such as:
- Helping you decide whether you should file Chapter 7 bankruptcy or Chapter 13 bankruptcy.
- Negotiating with creditors on your behalf.
- Preparing you for meetings and court hearings, such as your interview with the bankruptcy trustee during the meeting of creditors (“341 hearing”).
- Filing motions and other legal documents for you.
- Intervening if you are being harassed by creditors or debt collectors.
- Calculating whether the Pennsylvania bankruptcy exemptions or federal bankruptcy exemptions would protect more of your property.
- Advocating on your behalf if your creditors try to lift the automatic stay, object to your bankruptcy discharge, or create other obstacles to the successful resolution of your case.
How to Hire a Lawyer for Bankruptcy in PA
Finding and choosing a Philadelphia bankruptcy lawyer can seem like an overwhelming task, especially when you feel distracted by stress and anxiety about your financial circumstances. At Sadek and Cooper Law Offices, LLC, we understand how difficult the process of hiring a bankruptcy attorney can feel, and do everything in our power to make it as simple and stress-free as possible, from serving a convenient range of locations to offering free initial consultations.
Hiring a bankruptcy lawyer from Sadek and Cooper is easy. Simply contact our law offices to arrange a free consultation, and we can discuss your questions about bankruptcy in detail. We will be honest, clear, and straightforward concerning your financial options, including, where applicable, alternatives to bankruptcy like pre-foreclosure forbearance plans, mortgage modification, or debt consolidation.
If we determine that our bankruptcy law firm can be of assistance to you, we will work tirelessly to bring your case to a resolution as swiftly as possible. At the same time, we will scrutinize every aspect of your case to look for opportunities and advantages that could benefit you. Our goal is to make bankruptcy work strategically for you, so that you can get back on your feet and start enjoying restored financial stability.
Our law offices are conveniently located to serve residents of Philadelphia and Southeastern Pennsylvania. Our locations include:
- Bucks County (Levittown)
- Center City Philadelphia
- Delaware County (Springfield)
- Northeast Philadelphia
Philadelphia Bankruptcy Lawyers Can Help You File Chapter 7 or 13
At Sadek and Cooper Law Offices, LLC, our trusted bankruptcy attorneys have years of experience filing thousands of cases on behalf of Pennsylvanians from all walks of life, including married couples, single individuals, business owners, retirees, military servicemembers, and others. We provide bankruptcy legal services for dozens of communities across the Delaware Valley, including but not limited to Ardmore, Bristol, Center City Philadelphia, Chester, Croydon, Drexel Hill, King of Prussia, Levittown, Norristown, North Philadelphia, Pottstown, South Philadelphia, West Philadelphia, and beyond.
Whether you operate a small business that is struggling financially, want to explore your options for stopping foreclosure, have questions about filing with your husband or wife, or need guidance concerning other areas of bankruptcy law, call Sadek and Cooper for a free legal consultation at (215) 545-0008 today. We will keep your information confidential.