Bankruptcy Legal

Warminster Bankruptcy Attorneys

Warminster Bankruptcy Attorneys

Searching for a bankruptcy specialist in Warminster? Bankruptcy Legal will connect you with an experienced and affordable attorney today.

bankruptcy lawyers in Warminster

File For Bankruptcy in Warminster

Filing For Bankruptcy Can Get You Back On Track

Bankruptcy Legal provides individuals with legal counsel that inspires a true sense of hope. If you’re looking for experienced, supportive and personalized legal counsel we’re here to help. Get connected with a bankruptcy attorney in Warminster, PA who understands the emotional and financial challenges involved in filing for bankruptcy. At Bankruptcy Legal, you can get the answers you need to move forward and the peace of mind that comes with knowing your rights are protected. It’s time to take action, today.

Warminster bankruptcy lawyers

Bankruptcy Lawyers

Warminster, PA

Bankruptcy Lawyers

Warminster, PA

If you are deeply in debt and unable to pay, Bankruptcy Legal will connect you with a top rated Warminster bankruptcy law firm that is prepared to help you.  Our bankruptcy specialists can assist with a range of services including chapter 7, chapter 13, small business bankruptcy, credit card debt, wage garnishments, medical bills, keeping your vehicle, and IRS tax debt.

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Bankruptcy Services in Warminster, PA

Filing for bankruptcy is often the best solution for those who are overwhelmed with debt and have exhausted all other options to pay off their bills. Bankruptcy can provide relief by wiping debts clean and helping indebted individuals regain control of their finances. The following is a list of bankruptcy services law firms in Warminster are experienced and ready to assist you in.

chapter 13 bankruptcy in Warminster

Chapter 13

Filing for Chapter 13 bankruptcy in Warminster is an option for people who have a steady income and are looking to escape debt without being required to liquidate assets.  Chapter 13 reorganizes loans into small monthly payments, which allows you the opportunity to regain control over your debts and rebuild credit.

chapter 7 bankruptcy in Warminster

Chapter 7

Unlike Chapter 13, Chapter 7 bankruptcy cases do involve filing a plan of repayment. Instead, the bankruptcy trustee gathers and sells your nonexempt assets to pay holders of claims according to Bankruptcy Code provisions.

credit card debt in Warminster

Credit Card Debt

Facing debt from missed payments, a lawsuit from creditors, or debt on multiple credit cards? A bankruptcy filing might be the most appropriate solution. If you need assistance dealing with credit card debt and delinquent payments, a Warminster bankruptcy lawyer may be able to provide valuable assistance. Hold onto your possessions while eliminating some or all of your high interest.

IRS tax debt in Warminster

IRS Tax Debt

Filing for bankruptcy may be an option if you owe past-due federal taxes that you cannot pay. Learn about IRS payment plans or an offer in compromise. The Internal Revenue Service understands that filing for bankruptcy may be one method for dealing with personal financial difficulties resulting from a combination of reduced income, increased expenses or serious medical conditions.

small business bankruptcy in Warminster

SMB Bankruptcy

Filing for bankruptcy may be a good option if your small business in Warminster has struggled with debt. There are various considerations to keep in mind, depending on the circumstances.

  • Which of the following types of business do you run: sole proprietorship, general partnerships, corporation, or limited liability company?
  • Are you personally liable for any of your business debts?
  • Are you interested in closing your business or would you like to keep it running?
Warminster medical bills

Medical Bills

Suffering from medical debt? For many, medical bills and the inability to pay them can be a huge burden. We can help. If medical expenses or a family member’s chronic condition cause your debt to spiral out of control, it may be time to file for bankruptcy. Hardworking people with inadequate coverage face this difficult situation, and a surprising number of middle-class Americans don’t have insurance at all. Connect with a bankruptcy specialist in Warminster to learn about options for eliminating medical debt or getting more time to pay.

keeping your vehicle

Keep Your Vehicle During Bankruptcy in Warminster

Warminster auto repossessions are not uncommon. You may be able to keep your vehicle even if you are behind on payments and facing auto repossessions. Contact a bankruptcy lawyer in Warminster immediately to file an adversary proceeding with the bankruptcy court. It is important to seek legal advice before you contact your creditor or make arrangement to pay the debt since doing so may affect your eligibility for bankruptcy.

wage garnishments in Warminster

Wage Garnishments

Having your wages garnished means that not only can the creditor take money directly from your wages before you receive them, but your employer will be made aware of your debts. A wage garnishment is a legal order to an employer in Warminster that requires the them to withhold part of an employee’s wages and pay these directly to another individual or entity. Wage garnishments are usually ordered as a result of unpaid debts, such as child support, personal loans, state or federal taxes and credit card debt. 

Local

We are bankruptcy specialists providing profound legal knowledge and expertise for our clients in Warminster.

Experienced

Our company has been helping individuals in Warminster achieve their legal objectives for more than 30 years.

Bankruptcy Specialists

We emphasize quality service, attention to detail and care leading to just resolutions of our clients’ bankruptcy matters.

Businesses We Serve

Here are a few examples of businesses that have benefited from our bankruptcy legal services:

  • Marketing Agencies
  • Warminster Real Estate Investment Companies
  • Franchises
  • Hotel Owners
  • Healthcare Providers
  • Restaurants
  • Construction Companies
  • Store Manufacturers
  • Technology companies.
  • Retailers
  • and more!

Bankruptcy Benefits

Bankruptcy is a legal process that frees you from the obligation of repaying your debts and dealing with creditors.

Full-Service Bankruptcy Legal Counsel

We understand the challenges individuals face when burdened with debt.  You have options and we’ll show you the way.

Tailored Warminster Bankruptcy Service

Our core focus is on establishing your best interests when dealing with debt relief.  Every situation is unique.  We’ll help educate you with regards to your options and find the best solution for you

Warminster Bankruptcy Specialists

6 Step Bankruptcy Process in Warminster, PA

Once you have made the difficult decision to file for bankruptcy, there are things you will need to do in order to proceed in a positive way. A basic overview of the bankruptcy process, from filing for bankruptcy to rebuilding your credit and moving forward after bankruptcy are discussed below.

call Bankruptcy Legal in Warminster

1. Call Bankruptcy Legal

Bankruptcy Legal connects you with the best board-certified Warminster bankruptcy specialists. You’ll be connected with a team that intimately understands what you’re going through and all of your options. While there are many budget-friendly options, make sure you’re comfortable with and get to know your lawyer before getting started. Take the first step towards debt relief today.

bankruptcy counseling in Warminster

2. Bankruptcy Counseling

There are two mandatory credit counseling sessions that must be completed by a counselor approved by the U.S. Justice Department before you file bankruptcy paperwork with the courts. During the first round (pre-filing counseling) a counselor will discuss your budget and point out the pros and cons of bankruptcy. Counselors will also cover different alternatives so you have a clear understanding of all your options.

court filing Warminster

3. File For Bankruptcy With The Court

All Warminster bankruptcy lawyers prepare and file your required paperwork with the court. Filing for bankruptcy requires filling out several legal forms.  In this process, your lawyer will also collect any and all financial related information to complete the bankruptcy petition, Statement of Financial Affairs and Schedules. Once complete, your lawyers will review the required paperwork with you to ensure accuracy.

repayment Warminster

4. Repayment Or Liquidation

Depending on the type of bankruptcy you file (Chapter 7 or Chapter 13), the next step will either involve liquidating assets to repaying creditors some of your debts. In a Chapter 7 bankruptcy, if you have no assets of large value your case is referred to as a “No Asset Case.” For secured debts like a car or house you will need to continue making regular payments.

debtor education in Warminster

5. Complete Your Debtor Education

Before receiving a bankruptcy discharge, there are a couple of courses that are typically required. The bankruptcy code calls these requirements a “debtor education program.” In most cases, you may be required to take a course before you file your paperwork and go to a hearing with the bankruptcy court.

debt discharge Warminster

6. Debt Discharge

The final step in the bankruptcy process, debt discharge is the elimination of a debt as a result of bankruptcy. Once bankruptcy is complete, banks and creditors are no longer allowed to collect the debt. Unless specific IRS conditions are met, this may result in taxable income to the debtor. Be sure to speak with your Warminster bankruptcy attorney to get a good understanding of your completed file.

Warminster’s Trusted Bankruptcy Legal Resource

Warminster’s Trusted Bankruptcy Legal Resource

Our bankruptcy specialists provide legal services in the following Warminster, PA zip codes: 18974 

Warminster, PA Bankruptcy FAQ

Frequently asked questions about bankruptcy law.

How much does a bankruptcy lawyer cost in Warminster, PA?

Most Warminster bankruptcy lawyers charge a “flat rate”. Chapter 7 bankruptcy attorneys typically charge somewhere between $1,000 to $3,500 depending on the details of the case. Some attorneys will choose to bill by the hour.

Which type of bankruptcy clears all debt?

Chapter 7 bankruptcy discharges qualifying debts after a few months, but you may have to liquidate nonexempt assets. You can file for bankruptcy protection where the “automatic stay” order will stop creditors from pursuing your debt.

What should you not do before filing for bankruptcy?

Lying about your assets, not consulting a lawyer, giving “gifts” or assets to family members, adding further credit card debt and raiding the 401(k) are all common practices that can cause further trouble when filing for bankruptcy in Warminster.

Who is responsible to send a notice to all the creditors about bankruptcy filing?

The court notifies your creditors after about a week from filing. The notice tells the creditors that you filed for bankruptcy. It also shows them how to get more information about your case and what they need to do.

What is the downside of filing for bankruptcy?

The main downside of filing for bankruptcy is that it can damage your credit history and make it more difficult to get financing in the future. You can also lose assets including your primary residence or other real estate holdings in Warminster. To learn about all of the pros and cons regarding your specific situation please call us and get connected with an experienced bankruptcy attorney in Warminster.

Do I need an attorney to file for bankruptcy?

Individuals filing bankruptcy can file without an attorney (pro se), but it is strongly recommended to consult with an attorney for a better understanding of the long-term consequences.

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