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    • JOHNSTOWN BANKRUPTCY
    • OUR FIRM
    • Office Locations
    • Bankruptcy Blog
    • Contact Us
  • Home
  • JOHNSTOWN BANKRUPTCY
  • OUR FIRM
  • Office Locations
  • Bankruptcy Blog
  • Contact Us
Bankruptcy attorney near Johnstown Bankruptcy lawyer near me Johnstown Debt relief in Cambria Coun

Johnstown Bankruptcy Attorney – Start Fresh Today Only $799

Struggling with overwhelming debt?

 At Willis & Associates, we help Johnstown residents erase debt and reclaim peace of mind through affordable Chapter 7 and Chapter 13 bankruptcy solutions.

📞 Call 814-746-4677 now for a free consultation — or book online today.

🏛️ Why Choose Willis & Associates?

  • Flat Fee Chapter 7 Bankruptcy – $799 Attorney Fee*
     
  • 20+ Years of Experience Serving Cambria County
     
  • Free Consultations – In Person or Virtual
     
  • Evening & Weekend Appointments Available
     
  • Stop Foreclosures, Garnishments & Creditor Calls
     

We’ve helped thousands of Western Pennsylvania families eliminate debt and start fresh — let us help you too.


💸 What Bankruptcy Can Do for You

 

 If you’re facing foreclosure, wage garnishment, or crushing credit card debt, bankruptcy might be the best option.

Filing bankruptcy can:

  • ❌ Stop creditor harassment
     
  • ❌ End wage garnishments
     
  • ❌ Halt lawsuits and collections
     
  • ❌ Prevent foreclosure or repossession
     
  • ✅ Eliminate medical bills & credit card debt
     
  • ✅ Help you keep your home and car
     

We service Johnstown, Clearfield, Punxsutawney, & Somerset, Pa.

 

⚖️ Chapter 7 vs Chapter 13 Bankruptcy

Chapter 7 Bankruptcy – Ideal for low-income individuals looking to wipe out unsecured debt (like credit cards or medical bills). Most cases completed in 4–6 months.

Chapter 13 Bankruptcy – A payment plan that helps you catch up on mortgage, car, or tax debt while protecting your property over 3–5 years.

We’ll help you choose the right option based on your income, assets, and financial goals.

Schedule a Consultation

📝 Get Your Free Bankruptcy Evaluation

CHAPTER 13 BANKRUPTCY

 

 

We’ll review your situation, answer all your questions, and help you decide if bankruptcy is the right step.

✅ No pressure. No judgment. Just honest legal guidance.

Call 814-746-4677 or Request a Free Consultation
Office: 319 Washington Street, Johnstown, PA 15901

💰 What’s Included in Our $799 Chapter 7 Package?

  • Legal analysis and consultation
     
  • Full petition preparation and filing
     
  • Representation in court
     
  • Creditor protection upon filing
     

*Court filing fees and credit counseling courses are additional.

💬 Frequently Asked Questions

Can I keep my car and home?
Yes – most clients keep all of their property using exemptions.

Will bankruptcy ruin my credit?
It will appear on your report, but many clients see credit improvements within a year.

Do I have to go to court?
Usually just one short meeting (called a 341 meeting). We go with you.

📞 Contact Us Today

Willis & Associates – Johnstown Bankruptcy Attorneys
📍 319 Washington Street, Johnstown, PA 15901
📞 Call: 814-746-4677
🕘 Hours: Mon–Sat, Evening Appointments Available
💻 Schedule a Free Consultation

CHAPTER 13 BANKRUPTCY: IS IT RIGHT FOR YOU?

 

 

🧠 Is Bankruptcy the Right Choice for You?

Bankruptcy isn’t the end—it’s a fresh beginning. If you’re drowning in debt, behind on bills, or receiving daily calls from collectors, bankruptcy may offer the legal protection and relief you need.

You may benefit from bankruptcy if:

  • You’ve maxed out credit cards with no way to repay
     
  • You’re getting sued by creditors or debt collectors
     
  • You’ve taken out payday loans or title loans to survive
     
  • You’re behind on mortgage or car payments
     
  • You’re borrowing from one credit card to pay another
     

We’ll give you a clear, no-pressure assessment of your options during your free consultation.

Schedule a Consultation

🕒 Emergency Bankruptcy Filings

Expert Johnstown Bankruptcy Attorney Bankruptcy Attorneys


 

If your wages are being garnished or your home is at risk of immediate foreclosure, we can file your case quickly—sometimes the same day.

Don’t wait until it’s too late.

📞 Call now: 814-746-4677
✅ Evening & weekend appointments available

CHAPTER 7 BANKRUPTCY COULD BE RIGHT FOR YOU

 

 

🔐 Understanding the Automatic Stay

As soon as you file bankruptcy, something powerful happens: the automatic stay goes into effect.

This court-ordered protection immediately stops:

  • Foreclosures
     
  • Repossessions
     
  • Wage garnishments
     
  • Utility shutoffs
     
  • Creditor harassment
     
  • Lawsuits and judgments
     

The automatic stay gives you the breathing room to regroup and work with our team on a permanent solution.

📈 Life After Bankruptcy

You can rebuild your financial future after bankruptcy. Most of our clients:

  • Get credit card offers within months of discharge
     
  • Can finance a car within 1–2 years
     
  • Qualify for FHA home loans in as little as 2 years
     
  • See credit scores rise faster than if they struggled with unpaid debt
     

We’ll help you start over stronger with tips and tools to restore your credit after your case is complete.

⚖️ How We Help

At Willis & Associates, we go beyond filing paperwork. We provide full-service, compassionate legal care through every step:

  • Review your income, debts, and property
     
  • Determine eligibility for Chapter 7 or Chapter 13
     
  • Prepare and file your petition
     
  • Communicate with trustees and creditors
     
  • Attend your court hearing
     
  • Help with discharge, repayment plans, or reaffirmation agreements
     
  • Guide you on rebuilding credit and protecting your future

Free Case Evaluation

🕒 Emergency Bankruptcy Filings

Don’t wait until it’s too late. If your wages are being garnished or your home is at risk of immediate foreclosure, we can file your case quickly—sometimes the same day.

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Johnstown Bankruptcy Attorney

319 Washington St, Johnstown, Pennsylvania 15901, United States

814.746.4677

 

Get Relief from Debt in Johnstown, PA

If you live in Cambria County or surrounding areas and are struggling with credit card debt, medical bills, or wage garnishments, you’re not alone. At Willis & Associates, our bankruptcy attorneys in Johnstown, PA, are here to help you stop creditor harassment and take back control of your life. We’ve helped thousands of Pennsylvanians just like you eliminate debt and get a fresh start.

What Can Bankruptcy Do for You?

  • Stop Foreclosure & Repossession
    Bankruptcy can halt foreclosure proceedings and stop car repossessions, giving you time to reorganize your finances.
     
  • Eliminate Credit Card & Medical Debt
    Chapter 7 can discharge unsecured debt and stop collection efforts immediately.
     
  • End Creditor Harassment
    Once your case is filed, creditors must legally stop calling, emailing, or suing you.
     
  • Protect Your Income
    Filing for bankruptcy puts an immediate stop to wage garnishments and bank levies.
     

Types of Bankruptcy We Handle

Chapter 7 Bankruptcy – Straight Bankruptcy or Liquidation

Ideal for individuals with limited income who want to eliminate most or all of their unsecured debts quickly.

Chapter 13 Bankruptcy – Wage Earner’s Plan

Designed for those who have regular income and want to catch up on mortgage or car payments over 3–5 years while protecting assets.

Proudly Serving Johnstown and Western Pennsylvania

We serve clients throughout Cambria County, including:

  • Richland
     
  • Westmont
     
  • Ebensburg
     
  • Geistown
     
  • Northern Somerset and Indiana Counties
     

If you’re searching for “bankruptcy attorney near me” in Johnstown, you’ve come to the right place.

Common Questions About Bankruptcy

Will I lose my house or car?
In most cases, no. Our attorneys will help you use available exemptions to protect your assets.

Will bankruptcy ruin my credit forever?
Bankruptcy may impact your score, but many clients begin rebuilding their credit within months of discharge.

How long does the process take?
Chapter 7 cases are usually resolved within 4–6 months. Chapter 13 plans last 3–5 years but can stop foreclosure and let you catch up.

Why Now is the Time to Act

Every day you wait, interest piles up and creditors get more aggressive. Don’t wait for a wage garnishment or foreclosure notice. Call now and take the first step toward peace of mind.

📞 Call 814-746-4677 now or request a free consultation online.
Evening and weekend appointments are available. Payment plans offered.

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