Bankruptcy Lawyer in Clarks Summit, PA

Millions of Americans have to deal with debt, the total consumer debt being in the trillions. At this point, many people just treat debt, even extreme amounts of it, as an everyday occurrence. One of the reasons debt is so prevalent is that it’s almost impossible not to run into it at some point. Credit cards, medical bills, and other debts are easy to get into, and they can happen to anyone, even those who have never had financial issues before. As anyone who has been in debt before knows, once it starts, it’s extremely difficult to stop. This isn’t just an issue for individuals, but businesses as well. 

Once you find yourself in this position, you might spend all your time wondering how you’ll be able to get yourself out. What millions of people have turned to when they’re struggling with debt is bankruptcy. While everyone at some point has heard of bankruptcy, most aren’t aware of what it really is and how it can help. At JPPLaw, we can help you understand the ins and outs of Chapter 7 and Chapter 13 bankruptcy and how bankruptcy can help you. If you need a bankruptcy lawyer in Clarks Summit, PA, Attorney Jason P. Provinzano is here to help.

Chapter 7 Bankruptcy

When you have debt that’s impossible to pay off with the income you have, you may be interested in Chapter 7 bankruptcy. If you’ve looked into bankruptcy at all in the past, you were likely looking at Chapter 7 bankruptcy, as it’s the most common chapter. By filing for Chapter 7 bankruptcy, you could have some, or even all, of your unsecured debts cleared. To qualify for Chapter 7 bankruptcy, you’ll have to pass a means test, which we can quickly do at JPPLaw. Many assume that as a part of Chapter 7 bankruptcy, they’ll have to give up much of what they own. While non-exempt assets are sometimes liquidated. 

Chapter 13 Bankruptcy

Chapter 13 bankruptcy differs from Chapter 7 in that you do have to pay off your debts. This chapter is intended for people who are able to pay off the debts they have but need some help in doing so. Because of this, there is no means test for Chapter 13, although you will have to show you have the means to pay everything off. Through Chapter 13 bankruptcy, you could have your debts rearranged into a repayment plan that can last from three to five years. Because of this, you may have heard it referred to as “reorganization bankruptcy.” Another benefit of paying off your debt with Chapter 13 bankruptcy is that you won’t have to deal with collections agencies while you pay it off. 

Why Choose JPPLaw? 

Going through debt and bankruptcy is difficult for anyone. During a time like this, it’s important to have people you can trust and rely on. At JPPLaw, this is exactly what Attorney Jason P. Provinzano aims to do. Bankruptcy should be looked at as the opportunity to start over fresh. It may seem difficult, but with the right legal help, it can be a quick, simple process. We’ve helped hundreds get out of debt and have won numerous awards for our services to residents in Clarks Summit and surrounding areas. 

If you’re considering filing for bankruptcy, don’t wait any longer to get help. Contact us today to set up a free consultation.

Get Your Life Back!

When you need an attorney in Clarks Summit, call JPPLaw. We’re here to explain the unknown and to expose the myths and misconceptions about bankruptcy. We care and we always have your back. Call us now to land back on your feet!


Law Offices of Jason P. Provinzano, LLC
16 W. Northampton Street
Wilkes-Barre, PA 18701

Free Consultation

Call us today to get started, 570-822-JPP1, or leave us a message below.

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