> Personal Injury & Bankruptcy Lawyer in Lackawanna County, PA

Personal Injury & Bankruptcy Lawyer in Lackawanna County, PA

Did you know that the average American household has over $8,000 in credit card debt? On top of that, many also have mortgage payments and multiple other personal debts. Debt affects people of all incomes and lifestyles, and once it starts, it can be difficult to get out of. For many, severe debt happens quickly, after saddled with a large amount all at once, such as a medical bill. Bankruptcy can sometimes get a bad rap, but it’s a blessing for those who have no way of getting out of debt. Filing for bankruptcy is how thousands each year are able to either cancel their debt or find a way to pay it off.

Deciding whether or not you should file for bankruptcy is a difficult decision to make yourself. If you’re struggling to get your debt paid off, you need to speak with a bankruptcy attorney to find out what the best route for you is. Attorney Jason P. Provinzano can help those suffering from debt in Lackawanna get control of their finances again through either Chapter 7 or Chapter 13 bankruptcy.

Chapter 7 Bankruptcy

For those with no way to pay off their debt, Chapter 7 bankruptcy might be what you need. Chapter 7 bankruptcy is the most commonly used chapter and is an option for both individuals and businesses to get out of debt. When you file for Chapter 7 bankruptcy, you have the potential to have some of your unsecured debts eliminated, and in some cases, all of your unsecured debts can be taken care of. Individuals and businesses can file for Chapter 7 bankruptcy, although not everyone will qualify for it. To see if you qualify for Chapter 7 bankruptcy, you have to first take a means test. Our law office can help determine in only a few minutes if you’re qualified for this chapter.

Chapter 13 Bankruptcy

If you earn enough money to be able to pay off debt over time, you might be able to file for Chapter 13 bankruptcy. This chapter of bankruptcy doesn’t cancel out your debts, but it gives you a repayment plan so that you can pay them off. Repayment plans can last for three or five years and allow you to restructure your debt. This can allow you to arrange debt in a way that makes it possible for you to pay them. Chapter 13 gives people the chance to be able to keep their assets and stop their homes from being foreclosed. It also prevents you from being contacted by debt collectors while you’re paying off your debt.

Dependable Bankruptcy Lawyer in Lackawanna County

Debt shouldn’t control your life. Bankruptcy can help give you a second chance to recover from an overwhelming amount of debt. Bankruptcy is not as scary or intimidating as it might seem. With the help of Attorney Jason P. Provinzano, the bankruptcy process can be much simpler than you might think. JPPLaw has worked with hundreds of people in Lackawanna County and surrounding areas and is ready to help you get out of debt.

If you’re wondering if you should file for bankruptcy, or want to know the next steps to take, contact us today for a free consultation.

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