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Debt Lawyer and Bankruptcy Law Johnstown, PA
LET OUR JOHNSTOWN BANKRUPTCY ATTORNEYS HELP YOU GET OUT OF DEBT
The Johnstown debt relief attorneys lawyers at Willis & Associates Attorneys at Law are ready to help clients like you get your finances under control. The best part is that we always offer clients a free consultation. Come in and discuss your options face to face with one of our experienced bankruptcy attorneys
Why Bankruptcy
The purpose of debt relief attorneys is to give you a fresh start on your road to financial recovery. Bankruptcy provides you with protection from creditor harassment and relief from financial pressures. By filing for bankruptcy, you are taking responsibility and making a legitimate step in getting your financial life back in order. Bankruptcy can be intimidating but it is a legal and respectable way to regain your financial dignity instead of losing it.
How We Help With Your Bankruptcy
There are many rules and regulations to follow when filing for bankruptcy. Willis & Associates bankruptcy attorneys can help you better understand the rules that apply to you. We understand bankruptcy law and can help you understand it, too. Our lawyers, paralegals and administrative staff can answer any questions about debt relief you may have.
We can also help protect you against creditor harassment and ensure that you’re not being abused. We can give you guidance and helpful tips on staying ahead financially after you are discharged from bankruptcy. Let our experienced attorneys guide you through the entire bankruptcy process. Call us at 724-591-5337 or fill out the contact form below and we’ll get to work for you.
We can assist you by helping eliminate the debts that currently overwhelm your daily life. You may face foreclosure, vehicle repossession, wage garnishment, litigation, or you might simply need a way out of your unmanageable debt. Our bankruptcy attorneys can offer the solutions and assistance you need to reclaim your financial freedom filing bk chapter 7 or filing for chapter 13.
We service Johnstown, Clearfield, Punxsutawney, & Somerset, Pa.
In addition to our attorneys, we have a support staff of trained legal assistants ready and eager to assist you with your legal needs. The attorneys at Willis & Associates primarily focus on Bankruptcy Law. At Willis & Associates, we always offer a free consultation with one of our experienced attorneys. To schedule your free appointment, call us now at 724-591-5337 or contact us online. We welcome you to become part of the Willis & Associates Family.
YOUR BANKRUPTCY OPTIONS
CHAPTER 13 BANKRUPTCY
For years, the experienced bankruptcy attorneys at Willis & Associates have been providing the communities of Western Pennsylvania with bankruptcy services including Chapter 13. They can help you explore the requirements of bankruptcy to determine if Chapter 13 is right for you.
Chapter 13 Debt Consolidation is a reorganization of debt that can help you keep your valuable assets while gaining control of your debts. Chapter 13 provides a pathway to debt repayment for individuals who have regular income but are unable to repay all of their debts. Chapter 13 Debt Consolidation gives you the opportunity to repay your debt either partially or in full over an approximately three-to-five-year period.
Your financial situation will be analyzed, and a feasible repayment plan will be established. In most cases, debtors only repay cents on the dollar of their unsecured debt. In some cases, debtors may not have to repay any of their unsecured debt. Chapter 13 Debt Consolidation generally allows you to keep your home and vehicle. Once a Chapter 13 Bankruptcy petition is filed, an automatic stay provision comes into effect. The automatic stay will immediately stop lawsuits, garnishments, foreclosures and repossessions, even if these processes have already begun.
Once your Chapter 13 Debt Consolidation has been filed with your jurisdiction’s Bankruptcy Court, it will then be assigned to a Bankruptcy Trustee for administration. Approximately 30 days after your case is filed, you will be required to attend what is called a “341 Meeting of the Creditors”. Before the meeting, your bankruptcy attorney will help you prepare for the questions the Trustee may ask. The “341 Meeting of the Creditors” generally only takes five to fifteen minutes.
After completing the Chapter 13 Debt Consolidation, your case will end with a discharge of all debts that you are entitled to discharge. Once the debt is discharged, creditors are forever banned from any collection actions against you for that debt.
We can help you throughout the entire debt consolidation process. Regain your financial freedom. Contact us for your free consultation.
CHAPTER 13 BANKRUPTCY: IS IT RIGHT FOR YOU?
Chapter 13 bankruptcy could be right for you. The bankruptcy attorneys at Willis & Associates can help guide you through Chapter 13. You may be a good candidate for Chapter 13 if you are able to say yes to one or more of the qualifications listed below.
- If you are behind on your mortgage.
- If you are behind on your car payment.
- If your home is in foreclosure or in jeopardy of foreclosure.
- If your vehicle is in jeopardy of repossession.
- If you are being sued.
- If your wages are being garnished.
- If you are being harassed by creditors.
- If you are unable to pay all of your debts but you want the opportunity to pay a portion of them back.
- If you are able to pay your debts but would like to make one monthly payment through the Chapter 13 repayment plan to organize your debt and become debt free within a reasonable amount of time.
- If you are having difficulty paying bills.