At ARM Lawyers, helping people get relief from overwhelming debt is one of our passions. If you find yourself without income, facing mounting bills and feeling trapped under the burden, talk to us about filing Chapter 7 bankruptcy in Pennsylvania.
Our Stroudsburg Chapter 7 bankruptcy attorneys have more than 75 years of combined legal experience, and over that time have helped many people eliminate their debt and get a fresh financial start. We encourage you to talk to us about options. You no longer have to run from your debt — we can help you take control.
To schedule a consultation with a lawyer, call 570-424-1117 (Stroudsburg) or 484-765-8140 (Palmerton).
Monroe County Attorneys — Means Test
All bankruptcy filers must take a means test. This will determine if you are eligible for Chapter 7 bankruptcy or must instead file for Chapter 13. The means test involves an analysis of your entire financial situation. Our attorneys will help you prepare a detailed accounting of all debts, income and assets. You must not omit any debts, even personal family debts, or your bankruptcy may be thrown out by the bankruptcy court.
Who Should Consider Chapter 7 Bankruptcy as an Option?
It may be time to consider Chapter 7 as a debt relief tool if:
- You qualify under the mean test.
- You have not received a bankruptcy discharge in the last eight years
- You have very large medical bill debt, credit card debt or are having trouble paying your mortgage
- Your income is such that it is unlikely that you would ever be able to pay back the debts
Some of the immediate benefits of Chapter 7 bankruptcy include stopping creditor harassment via letters and calls, stopping wage garnishments and halting foreclosure proceedings, at least temporarily. Most of these cases are finished in about 90 days, which means most people quickly receive a clean slate and can start moving forward rebuilding their financial lives.
What debts are dischargable in bankruptcy?
Contact a Palmerton Bankruptcy Lawyer | Representation With Strength and Confidence
Chapter 7 bankruptcy is much less stressful for most people than they expect. ARM Lawyers, LLC, can skillfully guide you through the process. Contact our law offices today to learn more about how we can help you get relief from debt. Call 570-257-4509 (Stroudsburg), 484-765-8140 (Palmerton), or 610-849-2788 (Bethlehem) to arrange an attorney consultation.
We are a debt relief agency. We help people file for relief under the U.S. Bankruptcy Code.