Stop Harassing Phone Calls
Stop Mortgage Foreclosure
Stop Utility Shutoffs
Bankruptcy is a federal law designed to protect consumers from their creditors’ collection activity. Filing for Bankruptcy will immediately STOP the phone calls, threatening letters and other ways, both legal and illegal, creditors attempt to collect debts. If you are constantly being bothered by harassing phone calls at home or at work, or if you are worried about losing your home or your property to your creditors, then filing for Bankruptcy will help you get a fresh start.
There are 2 types of Consumer Bankruptcy available to individuals in Pennsylvania, Chapter 7 and Chapter 13 Bankruptcy. Chapter 7 bankruptcy is the most common type of bankruptcy filed and is sometimes known as a “liquidation bankruptcy”. Chapter 7 totally wipes out all of your unsecured debt, such as credit cards, medical bills, repossession debts and unsecured loans. You will not have to pay any of your debt back, you will not lose property and in approximately 6 months, your debt is wiped out so you can start fresh.
Chapter 13 bankruptcy is a repayment bankruptcy in which consumer are required to repay some or all of their debt, depending on their situation. It is most commonly used to stop mortgage foreclosures and become current on mortgage arrears so that the home does not get sold at a Sheriff Sale.
Both types of Bankruptcy protect you from collection activity from creditors, such as harassing phone calls, lawsuits, sheriff sales and other collection activity. In order to determine which type of bankruptcy you are able to file, you should call the experienced attorneys at Ellis B. Klein & Associates for a free detailed consultation. Over the last 20+ years in practice, we have helped thousands of clients get a fresh start and wipe out or reorganize their debt. Once we ask you a few straightforward questions about your particular situation, we can advise you right over the phone which type of bankruptcy you should be able to file. We will even quote you a fee and a flexible payment plan right over the phone because we believe an informed client is the best client. Filing for bankruptcy will STOP all of the harassment from your creditors and allow you to regain financial stability. Put our 20+ years of experience in your corner and call us for a free consultation to see how we can help you to get a fresh start.