Signs You Might Need to Speak to a Bankruptcy Attorney
If any of the following apply to you, it may be time to explore your bankruptcy options:
- You're behind on credit card, medical, or loan payments
- You're receiving constant calls or letters from debt collectors
- Your wages are being garnished or your bank account is frozen
- You're facing foreclosure or car repossession
- You're using credit cards to pay for basic necessities
- You've taken out payday or title loans to make ends meet
At Willis & Associates, we understand the stress that financial pressure creates. That’s why we provide confidential, judgment-free consultations to help you understand your options.
Johnstown Bankruptcy Attorney — What to Expect
Our bankruptcy process is designed to be simple and stress-free:
- Free Consultation
Meet with one of our experienced attorneys by phone, Zoom, or in person. We'll review your debts, income, and goals.
- Customized Strategy
We'll help you decide whether Chapter 7 or Chapter 13 bankruptcy—or a non-bankruptcy alternative—is best for your situation.
- Filing & Protection
As soon as we file your case, all collection actions against you must stop. This is called the “automatic stay.”
- Debt Resolution
Most Chapter 7 clients receive a full discharge of eligible debts within a few months. Chapter 13 clients begin repaying what they can afford under court protection.
