Super Lawyers Rising Stars
Avvo Rating 10
Avvo Clients' Choise Award
National College for DUI Defense
Lead Counsel Rated
The National Trial Lawyers Top 40 under 40
National Association of Criminal Defense Lawyers
PACDL
Expertise
Expertise

Chapter 7 Bankruptcy

Pennsylvania Chapter 7 Bankruptcy Lawyer

The time is really troubling and in this difficult economic situation, there are thousands of Pennsylvanians who are struggling. While they are dealing with the piling up expenses like medical bills, credit card bills, utility bills, mortgage amount, and so on, businesses, families and couples are facing a really hard time maintaining peace among them. If you are one of those people who are suffering and considering a fresh start for your finances, then you need to file for chapter 7 bankruptcy. Consult our experienced Pittsburgh bankruptcy lawyer today so that you can deal with the situation properly.

Chapter 7 Bankruptcy Definition

In the U. S. bankruptcy is governed by federal law. The name Chapter 7 bankruptcy comes from the fact that the regulations of this type of bankruptcy are under chapter 7 of U. S. Bankruptcy Code. It is also known as straight bankruptcy, ordinary bankruptcy or liquidation bankruptcy. While liquidation describes the process, the rest of the names come from the ease of the process.

After the petition filing, the court appoints a trustee for the case. They are responsible for evaluating the assets, properties and income of the debtor. They can also sell of the property to pay the creditors, the individuals and organizations, the debtor owes to. Once the payment of the debts is done, the debtor gets the discharge. If you are hiring a skilled Pittsburgh bankruptcy lawyer, you will get to retain most of your assets and properties too.

The Debts That Bankruptcy Covers

With filing chapter 7 bankruptcy, you get a fresh start by getting rid of some dischargeable debts. This type of filing helps you deal with the unsecured debts so that your finances can come back in a better place. The dischargeable debts for chapter 7 bankruptcy include but not limited to:

  • Car accident claims debts
  • Medical bills
  • Credit card bills
  • Past due rent
  • Past-due utility bills
  • A personal loan from friends and family members
  • Debts for small business
  • Social security overpayment debts

Some of the debts won’t be discharged with Chapter 7 filing. That can include:

  • Child and spousal support
  • Criminal files and restitutions
  • Home mortgage and car loans
How to File for Chapter 7 Bankruptcy in Pennsylvania

Even though it is described as the simplest way of bankruptcy, yet it is a very complex procedure, involving hundreds of regulations and necessary documentation. If you are planning to do the filing yourself, then there are chances that you will make a mistake that might lead to dismissal of the case. That is why you need to hire a Pittsburgh bankruptcy lawyer who will guide you at every step of the case.

For some basic ideas about Chapter 7 bankruptcy filing, you can go through the following points.

  • Paying the chapter 7 filing fee is a must unless it has been waived.
  • Filing the case at the fight court is necessary according to where you live.
  • Completing various bankruptcy forms is necessary that will include the list of debts, income, assets, properties and so on.
  • Going for pre-bankruptcy credit counseling program is a must. You need to submit the certificate.

For more guidance and insights into the process, get in touch with us today at Pittsburgh Bankruptcy Law Group.

Client Reviews
★★★★★
Mr. Logue came to me for my consultation, which was nice! He helped me better understand my situation so I could weigh my options. He kept me updated on any new information about my case, and I could always easily contact him if I had any questions. I knew I was in good hands, and I got the best possible outcome for my case! Anonymous
★★★★★
Sean Logue accomplished an incredible thing for me by handling my legal matters. If you need help, this is the man to represent you...he's very keen, knowledgeable, and efficient in guiding you to freedom. The trust and loyalty he gives you is very down to earth, so if you need a lawyer this is the best one. You can feel totally confident in Sean's hands. Excellent job, thank you for taking the time for me, you took all my worries away...God bless your future. Anonymous
★★★★★
Mr Logue was the one I hired after talking to other attorneys about my case. He was the most knowledgeable and explained everything to me about his plan for me moving forward. He was always available to answer my questions and fought hard for me!! Don't waste your time looking for anyone else to help you. Mr Logue did an amazing job and very professional! Anonymous
★★★★★
Atty. Logue represented me well and took care of my legal issues superbly. He is a no-nonsense, very knowledgeable and well respected lawyer. I was pleased with his services. Would definitely recommend Atty. Logue to others. Anonymous
★★★★★
Mr. Logue is good for one reason, he cares. A client is not a quick buck. He always answers his phone, day or night and he understands the law better than anyone. He always answers my calls for both corporate and personal legal decisions and I have a ton of questions. His rates are reasonable too. Fair and firm. Anonymous