West Chester Chapter 13 Bankruptcy Attorney

West Chester Chapter 13 Bankruptcy Attorney

If financial problems are causing stress and anxiety in your daily life, you aren’t alone. Millions of Americans struggle with debt, including thousands of people right here in Pennsylvania. If you are a resident of the West Chester area, and are worried about how you will continue to pay your monthly mortgage, utility bills, auto loans, or other expenses, Chapter 13 bankruptcy could offer debt relief while simultaneously giving you the power to protect your possessions and property from debt collectors. Filing Chapter 13 can even stop your home from being foreclosed on.

While Chapter 13 bankruptcy has numerous financial benefits under the right set of circumstances, it is also a complicated process rife with opportunities for error. A small mistake could cause lengthy, costly delays in your case, or even cause the bankruptcy court to dismiss your case without relieving any of your debts. Before you file Chapter 13 in West Chester, make sure you are represented by a bankruptcy attorney you can trust, like the Chapter 13 lawyers at Sadek & Cooper Law Offices. With years of experience handling thousands of bankruptcy cases, you can feel confident you will be in capable hands.

To learn more about whether filing for Chapter 13 bankruptcy in West Chester could be right for you, contact Sadek & Cooper Law Offices at (215)-545-0008 for a free legal consultation. We will keep your information confidential.

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Should I File Chapter 13 or Chapter 7 Bankruptcy?

There are several steps you need to take before you file bankruptcy in Pennsylvania. For example, you will need to make sure you satisfy residency requirements, in addition to compiling financial documents such as leases, deeds, and bank statements.

Critically, you will also need to decide which type of bankruptcy you should file. For most residents of Pennsylvania, this will either be Chapter 13 bankruptcy (“reorganization,” “wage earner’s plan”) or Chapter 7 bankruptcy (“liquidation,” “straight bankruptcy,” “ordinary bankruptcy”). There are some cases where Chapter 11 is appropriate, but these instances are extremely rare. The vast majority of debtors in West Chester choose Chapter 13 or Chapter 7. Both allow the debtor to:

  • Reduce or eliminate many types of debt, including but not limited to medical debt, credit card debt, business debt, debt from personal loans borrowed from friends or family, and in some cases, student loan debt or income tax debt.
  • Put an immediate stop to creditor harassment and debt collection actions, which are postponed by bankruptcy’s “automatic stay” feature.
  • Delay or prevent utility shut-offs, home foreclosure, and/or repossession of personal vehicles.

While both types of bankruptcy can have profound financial benefits, their effects and procedures are very different, and need to be weighed carefully before starting the process. Choosing which chapter of bankruptcy to file is a complex decision which should not be undertaken without assistance from a Chapter 13 bankruptcy attorney. Though it is generally possible to “convert” a bankruptcy case – for example, switching from Chapter 7 to Chapter 13 or vice versa – this process can be costly and cumbersome. By helping you choose the appropriate type of bankruptcy at the outset of the process, our Chapter 13 lawyers in West Chester can help you avoid this pitfall, and ensure that your case progresses as smoothly and efficiently as possible.

How Does Chapter 13 Work in Pennsylvania?

As a resident of West Chester, you will file for bankruptcy in the U.S. Bankruptcy Court for the Eastern District of Pennsylvania. Bankruptcy courts are federal, and bankruptcy is primarily regulated by federal law: specifically, regulations contained in the United States Bankruptcy Code. These regulations were overhauled in 2005, when Congress enacted sweeping bankruptcy reform known as the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). BAPCPA was designed to protect consumers, but has also had the effect of complicating the bankruptcy process, making legal representation even more critical than in decades past.

Your case begins when you file your petition for bankruptcy, in addition to supporting documents such as forms listing your debts and assets, in bankruptcy court. Your attorney will help you manage and file your paperwork. You will generally be required to pay a filing fee, unless the fee is waived.

Chapter 13 is sometimes called “reorganization” bankruptcy because of its defining feature: the “plan of reorganization.” In short, the reorganization plan is a plan for making monthly payments over a period of either three or five years.

Near the beginning of the Chapter 13 process, you will propose a reorganization plan that establishes how and when you will make monthly payments to a trustee, who then disburses the payments to various creditors depending on how your debts are prioritized. If you use your disposable income to make full and timely payments throughout the duration of the plan, including any missed or delinquent payments, you will be permitted to keep all of your property, including your house and car. Chapter 13 also allows you to lower or erase many debts, including debt from medical bills, credit card bills, and more.

While bankruptcy procedures are controlled mainly by federal law, state laws also have impact on your bankruptcy case. For example, as a resident of Pennsylvania, you are entitled to choose between the federal bankruptcy exemptions and the Pennsylvania bankruptcy exemptions. In Chapter 13, bankruptcy exemptions impact your monthly payments. In Chapter 7, exemptions play a crucial role in determining what property you will be able to keep. It is important to be represented by a lawyer who understands the nuances of bankruptcy laws specific to Pennsylvania, like the attorneys of Sadek & Cooper Law Offices, and how they affect your case.

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West Chester Chapter 13 Bankruptcy Lawyers Offering Free Consultations

When you are represented by Sadek & Cooper Law Offices, our attorneys will explain your rights and responsibilities as a Chapter 13 debtor, and work to ensure that you comply with the laws in order to resolve your case more rapidly and effectively. When you are represented by a Chapter 13 lawyer from Sadek & Cooper Law Offices, you can expect clear communication, the highest standard of professionalism, and frank, honest advice concerning your legal options and their potential consequences. Our law firm’s mission is to help make bankruptcy work for you.

If you think Chapter 13 bankruptcy could be an option, we urge you to contact our law offices at (215)-545-0008 for a free and confidential legal consultation. We represent individual debtors, married couples, business owners, and more.

 

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SEEWHAT OUR CLIENTS ARE SAYING

Thomas Wright
Thomas Wright
15:09 24 Apr 18
Sadek and Cooper Law did a great job on my bankruptcy case. I really appreciate their assistant. Thank you
Kelly McKenna
Kelly McKenna
11:57 19 Apr 18
This form - specifically Yoninah Orenstein and Patrick Cooper are PHENOMENAL. They were great to work with, very fair with legal fees, and successful in getting an excellent settlement for my divorce (short term marriage
Dessiana Cruz
Dessiana Cruz
13:11 04 Apr 18
I was nervous about bankruptcy, but from the moment I stepped in your office I felt at ease. This process was so easy with your help, that yesterday I was talking to my coworkers about it and recommending your firm to them. You make something that’s scary seem easy and I thank you so much for helping me!
Valerie Nesbitt
Valerie Nesbitt
14:51 03 Apr 18
Sadek and Cooper have been excellent. Everyone has been extremely helpful and patient. The lawyers I have worked with, Matt and Brad, are extremely knowledgeable. I felt very comfortable with them handling my case.
Marlena Lucas
Marlena Lucas
16:08 02 Apr 18
Very simple. Any time I had questions, they were answered quickly. The lawyers are just great. Just a fast painless process.
James Smith Sr
James Smith Sr
13:19 14 Mar 18
Everything has been great. Really awesome job with my case... You and your staff have done a perfect job in my opinion.
Michkel Davis
Michkel Davis
17:02 09 Mar 18
Mr. Sadek was the best and most thorough lawyer I’ve ever met. He’s very human and caring about our case. His whole staff is great too. Highly recommend...
Tamika Richardson
Tamika Richardson
14:56 01 Mar 18
My bankruptcy went very smoothly with your firm. No issues. You are all very nice. That’s why I recommend my sister to your firm and your now helping her too! Thanks again.
Geraldine Ross
Geraldine Ross
14:14 28 Feb 18
This is an Excellent firm to work with; my questions were answered in a timely manner and I felt very supportive in handling my bankruptcy. I would highly recommend this firm to others who have found themselves in a position like mine.
Lavern Baker
Lavern Baker
17:03 23 Feb 18
You are all super lawyers. Brad and Matt made me feel comfortable. Every one in your office so nice and just made it easy. You’re the best!
peter b
peter b
19:42 21 Feb 18
Thank you, Sadek and Cooper Law offices for your dedication on my behalf. I appreciate Matthew and Patrick and your staff and all that everyone did to support me in this legal matter. You took an embarrassing, sad experience, for me, and turned it into a successful solution without all the emotional pain expected. After dealing with a loan modification company for over eighteen months without going to an attorney first that is the biggest mistake anyone can make. The Modification Companies set out to sell you lies, broken promises and dilute the homeowner's assets with no knowledge of any kind of law. I can't stress enough stay away from Modification companies, as a Military Veteran and family man, protect you or your family best interest. Go directly to Sadek and Copper you will not regret it! This firm moves with Super speed and diligence protecting you and your family's the entire process, even after watching some of these other attorneys in the courtroom appearing to mishandled their clients’ cases before the Trustee. You made it easy and I’m finally getting my financial life back on track! Thank you for your prompt replies to me, your clear information and preparation needed when at the courthouse. I would of course recommend you to others and I am glad you were the one who had my case. Kind genuine law firm who treats you like family. God bless you all and I pray for your continued success in your field of expertise. This firm is Super Lawyers for a reason. They are the best at what they do! Pete
Doug Tinlin
Doug Tinlin
06:55 15 Feb 18
Brad Sadek gave me hope when he decided to handle my mortgage for enclosure defense. I had exactly 10 days left of the 30 days ultimatum given me, but he was able to bargain for an extra 30 days for me to pay up. That duration turned out just right.
Jacinth Jacinth
Jacinth Jacinth
16:07 31 Jan 18
Excellent service. Brad and Matt were outstanding and friendly. They helped me through this. I’ve never met attorneys like these. Thank you!
julie njoku
julie njoku
12:29 24 Jan 18
Brad Sadek is excellent!. He understands and he's fair. You feel like you have someone fighting for you. The staff is friendly, professional, and courteous. These guys are the best at what they do !
Owen Black
Owen Black
20:14 09 Jan 18
Thanks for the great service! I would recommend this firm highly. Throughout the years I have been helped by this firm greatly and very much appreciated.
Steven Rychalsky
Steven Rychalsky
15:30 09 Jan 18
Sadek and Cooper law office was a wonderful experience to work with. Bankruptcy is a difficult experience but they helped with the stress so much and made it easy. I would recommend Sadek and copper too anyone.
Chris Kourelias
Chris Kourelias
19:09 28 Dec 17
Working with both Brad & Matthew was a pleasure. Both gentlemen are extremely knowledgeable and helpful in providing me the right assistance needed to make the correct decision to benefit me in the long run. I would recommend both candidates to anyone looking for assistance with a reputable law firm.
Jennyfer Santana
Jennyfer Santana
21:17 21 Dec 17
Highly Recommended. Matt & Brad assisted with my case. I felt comfortable throughout the entire process. Matt was very understanding, patient, and ensured he answered all my questions! Both great guys and very friendly! It was a pleasure working with Matt and Brad.
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