With the help of an experienced Pittsburgh bankruptcy lawyer you can catch up on back taxes.
A qualified Pittsburgh bankruptcy lawyer can help you if your mortgage is in arrears or if you are behind in paying your taxes. A Pittsburgh bankruptcy lawyer of Total Bankruptcy can work with you to discharge debts not dischargeable under a Chapter 7 filing and allow you to keep some nonexempt assets.
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Under Chapter 13, a Pittsburgh bankruptcy lawyer can help you to reduce some of your secured debts, including reducing your car loan to the current value of the car rather than the amount you still owe. The court, with the aid of a Pittsburgh bankruptcy lawyer, will determine how much of your pre-filing debts must be repaid by assessing your disposable income and determining how much money you and your family need to live reasonably. Your repayment plan is then set up -- usually for three years. The borrower can request a longer plan but it cannot exceed five years.
If you think you qualify for Chapter 13, get help now from Total Bankruptcy
Congress has passed a new law restructuring the current U.S. Bankruptcy Code, which is bad news for borrowers and their families. The entire direction of the Code has changed. Borrowers are presumed to be at fault and must jump through a variety of punitive hoops just to get help.
Call a sponsoring bankruptcy lawyer of Total Bankruptcy to file your case now. We understand how difficult this decision is to make and will make sure that you have one less thing to worry about. For a free initial consultation with one of our sponsoring attorneys, call or fill out our case evaluation form.
It's not about referrals
Total Bankruptcy is not an attorney referral service. We provide information on all aspects of Chapter 7 and Chapter 13 procedures and an in-depth analysis of the new anti-debtor legislation and its consequences. Use our Debt Calculator to figure out how long it will take you to pay off your existing credit card bills. Set up an appointment with one of our sponsoring attorneys and start planning for your future.
What the new law means to Chapter 13 filers.
The new law imposes a "Means Test" to determine whether borrowers qualify to file for Chapter 7 or Chapter 13. If borrowers have an income above Pennsylvania's median income level they would not be permitted to file under Chapter 7. In applying the means test, the average income over the past six months is used, regardless of your present actual income. For Chapter 13 debtors, their disposable income is calculated using the IRS collection standards rather than allowing the judge flexibility as before. Reduction in car loans will be limited to cars purchased over two and a half years before filing. If borrowers' income is over the state median, they will be required to remain in Chapter 13 for five years.
Call 1 (877) 349-1309 or click on the free online case evaluation form to get started
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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.