Find out everything you need to know about Philadelphia bankruptcy, PA divorce, immigration, etc. by reading our latest blog posts.
  • If you’re considering a bankruptcy filing, you’re probably facing mounting bills and seemingly endless calls from creditors and collection agencies. Some debtors have already reached the point where their creditors have taken legal action and garnished their wages. When your wages are garnished, it means that your employer withholds a portion of your salary and sends it directly to the entity that needs to be paid. Garnishment can take many forms. When a creditor such as a credit card or medical office exhausts its collection efforts they can go to court to get a judgment against you for the amount …Read More ➡

  • Even people who know almost nothing about bankruptcy know that Chapter 7 bankruptcy wipes out their credit card debt. Once a person files and qualifies for bankruptcy they are assigned a trustee who analyzes their debts, separating out the non-dischargable obligations like child support and tax bills from dischargable claims such as medical bills and credit card bills. Creditors in the latter category are essentially last in line for compensation from the debtor’s remaining assets, and that means that you’re off the hook for charges that have been racked up on your Visa or Master Card. But that doesn’t mean …Read More ➡

  • Being divorced is no longer taboo, and roughly half of all marriages end up in divorce, but those facts don’t help if you’re miserable. Divorce can do a real number on your self-esteem, but you don’t have to let that happen. The tips below offer several proven methods of lifting yourself out of your gloom and helping you move forward to the next phase of your life. Practice Gratitude – It’s easy to feel sorry for yourself and think about all of the things that you’ve lost. It is harder, but infinitely more rewarding, to spend some time thinking about …Read More ➡

  • When you’re deep in debt, every financial obligation becomes a pain point. Bankruptcy provides a way out, a chance to start fresh and escape the bills and debt collectors that keep popping up like mushrooms. Still, eliminating your debts doesn’t mean that you won’t have future expenses. Your living expenses will continue, including any rent that you’ve agreed to pay. Here is what you will need to know about how filing for bankruptcy will (and will not) impact your leased housing situation. If you are currently renting an apartment or house, are current in your payments and plan to continue …Read More ➡

  • If you own your own business, you probably view it as a piece of yourself. After all, you’ve invested a huge amount of your time and money into it, as well as intellectual and emotional capital. For many business owners, the idea of losing their business feels like a death, and if that’s the case for you, filing for personal bankruptcy may feel like a very scary proposition. Here’s what you need to know. There are two ways to file for personal bankruptcy protection. Under Chapter 13 you are indicating that you can pay your bills but you need more …Read More ➡

  • Many people think that filing for bankruptcy is the equivalent of waving a magic wand that entirely eliminates their financial worries. But if you are in debt, there is a good chance that some of your financial obligations will remain with you, even after your credit card debts and other bills have been discharged. That’s because there are some debts that simply cannot be eliminated, even by a bankruptcy court. What this means is that even if you have seen your credit card bills, medical bills, mortgage and auto loans, and other personal debts waived, you will still need to …Read More ➡

  • From the time that their children are born, parents communicate to and with their children. We croon to infants to help them get to sleep or to soothe them, we enunciate our words to help model speech, we teach them about the world around them, modulating our delivery based on their age and stage of development. Some of us do this naturally while others learn by watching our partners or imitating other parents, but when it comes to talking to children about divorce, we tend to freeze up, worried that we’re going to get it wrong. The first thing you …Read More ➡

  • Though bankruptcy offers a fresh start and escape from the burden of debt, it also has several disadvantages, including a significant and long-lasting impact on your credit score. Many debtors hesitate about filing out of fear that they won’t qualify for a loan in the future. If you are concerned that filing for bankruptcy will forever crush your dreams of homeownership, we have good news for you. Things are not as bad as you think they are. Though it’s true that your bankruptcy will remain on your credit history for several years and it will take some time for you …Read More ➡

  • Your retirement years are supposed to be when you kick back, relax, and enjoy the fruits of your many years of labor. But life is unpredictable, and medical emergencies and other unexpected circumstances can lead to big bills that quickly deplete your available funds. If you’re being buried by bills and pursued by creditors, then bankruptcy may be the best answer for you. Here’s what you need to know about filing for bankruptcy during retirement. No matter when you’re considering bankruptcy, one of the first steps is determining which Chapter is the right one for you. While Chapter 7 can …Read More ➡

  • Unlike a Chapter 7 bankruptcy that wipes out all debts and provides a completely clean slate, a Chapter 13 bankruptcy reorganizes your debts into a program that is more manageable, usually by either extending the amount of time in which you can pay back your creditors, reducing the amount owed, or lowering the interest rates. Debtors who decide to file for bankruptcy don’t necessarily choose a Chapter 13 bankruptcy voluntarily: rather, their assets and income are measured against their debts in a means test. If the test determines that they have sufficient income available to pay, Chapter 13 is their …Read More ➡

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