A Philadelphia bankruptcy attorney can give you real options and advise.
In your time of need you deserve a Philadelphia bankruptcy attorney experienced in both Chapter 7 and Chapter 13 filings. You should have a sponsoring Philadelphia bankruptcy attorney of Total Bankruptcy to help get your finances back on track.
As a cooperative effort sponsored by experienced consumer debt consolidation and liquidation law firms, Total Bankruptcy is a valuable resource for consumers in debt. A sponsoring Philadelphia bankruptcy attorney of Total Bankruptcy may be able to help you evaluate your financial situation.
Total Bankruptcy's association of legal counsels has worked hard to help provide you with the resources you need to become educated about your legal alternatives. To take back control of your financial life you may need the experience and knowledge of a sponsoring Philadelphia bankruptcy attorney of Total Bankruptcy.
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Join millions of other Americans who are exercising their legal rights!
A sponsoring bankruptcy attorney of Total Bankruptcy can help you gain the legal protection from your creditors that you are entitled to under the U.S. Bankruptcy Code. The debt consolidation and liquidation laws were created by Congress to provide relief to those who have been victimized by divorce, job loss, identity theft, staggering medical bills or disability. In fact, 90% of all debt liquidation or debt consolidation cases are a result of job loss, uninsured medical bills or divorce. Sometimes seemingly manageable credit card debt can become overwhelming when combined with a job loss, sudden illness or divorce. Don't blame yourself - take control!
While talking with a Philadelphia bankruptcy attorney, you will soon realize that the stigma related to bankruptcy is not what it was 30 years ago. Just ask the millions of Americans who have taken this step to rebuild their futures. A clean slate is the ultimate tool of empowerment. Bankruptcy may not be the right decision for you, but you owe it to yourself to become educated about all of your options so that you can make an informed decision.
Bankruptcy law has a number of provisions that dramatically limit the right of many individuals to file for Chapter 7. The most significant anti-debtor provisions include:
A strict financial means test that prohibits many debtors from filing under Chapter 7.
A requirement that all debtors must receive a briefing from an approved credit counseling agency at least six months before they can file their case.
A requirement that debtors take an approved class on debt management techniques before they receive their discharge.
A provision that makes it easy for the court to dismiss a case outright or to convert a Chapter 7 case to a Chapter 13 case.
A provision permitting the court to impose sanctions on attorneys, or even on debtors, for filing a Chapter 7 case that is dismissed or converted to a Chapter 13 case.
Call us at 1 (877) 349-1309. Or, use our free online case evaluation form for a free, no obligation consultation.
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The purpose of this web site is to help you learn everything you need to know about bankruptcy, the process, your bankruptcy attorney and your legal rights. The best place to start is with the U.S. Bankruptcy Code. It delivers protection to people in financial jeopardy who are suffering under mountains of debt. Bankruptcy is your legal right.