> Personal Injury & Bankruptcy Lawyer in Lehighton, PA

Personal Injury & Bankruptcy Lawyer in Lehighton, PA

At JPP Law, one of our core tenets is that declaring bankruptcy isn’t something to fear. Many people see bankruptcy as a disciplinary process; one meant to scold you for racking up debts you could not pay and putting you through a humiliating process of structured repayment.

This could not be further from reality. Declaring bankruptcy is a way forward for people who have no other avenues. It happens sometimes; before you know it, you have more debts than you can repay based on your income. This is not a personal failing. It can happen to anyone, at any point in life. Declaring bankruptcy is a proactive request for help, and you must never feel too proud to ask for help.

Still, we understand some of you will always have some misgivings about declaring bankruptcy, and that is why we want to document and address some of those fears here. Our responses to your concerns should make you feel better about hiring a bankruptcy lawyer in Lehighton, PA.

3 Main Bankruptcy Fears

JPP Law has heard our clients’ worries and is ready to talk about them. Here are the top three bankruptcy fears we have heard.


“Bankruptcy Kills Your Credit.”

Many clients come to us to discuss declaring bankruptcy and wonder why they would do such a thing when it can devastate your credit score. This is not the entire story, however. Declaring bankruptcy will damage your credit score only in the short term. Once you get on a fixed repayment schedule, and you are meeting all the decided-upon expectations, your credit score will begin recovering nicely. This is the case even though your bankruptcy will likely remain on your credit report for 7 to 10 years. The main takeaway, however, is that you will eventually have a decent credit score after declaring bankruptcy. You will once again be able to take out a mortgage or car loan.


“Bankruptcy Takes Away All My Property.”

We often hear this concern as though it were an absolute rule. Many people assume that declaring bankruptcy means only that all their property will be confiscated and sold. This is not necessarily true. Depending on your circumstances and the type of bankruptcy for which you are filing, you can exempt certain parts of your property, such as your home. Ask an attorney whether you can use federal bankruptcy exemptions to claim amounts for particular possessions you own, such as a vehicle. These exemptions are used to protect your property during bankruptcy. Other possessions may be considered nonexempt and can be used to repay your debts in bankruptcy. These may include artwork, jewelry, or newer cars.


“Declaring Bankruptcy Is Embarrassing.”

The last item on our list here is a common client concern: that bankruptcy is inherently embarrassing and will damage the person’s reputation. Perhaps this issue comes down to differences in philosophies, but we do not see declaring bankruptcy as humiliating at all. Instead, it is a structured legal process meant to help an individual become free of crushing debt and harassing creditors. If anything, your family, friends, and coworkers should respect the fact that you have chosen this responsible path forward rather than continuing to suffer in debt.

Hire a Lehighton, PA Bankruptcy Lawyer Today

We hope the above items have helped to alleviate some of your fears about declaring bankruptcy. At JPP Law, we have seen enough bankruptcy cases to know this is a stressful time for our clients, no matter what. That’s why we work hard to handle all the minute details of filing your bankruptcy in court. You can trust Jason Provinzano for assistance and advice as you go. Our goal is to make this as easy as possible for you.

Contact JPP Law today if you need a bankruptcy lawyer near Lehighton, PA. We will consult with you and then get on your case. The result will be a future free of creditor phone calls and endless bills you can’t pay. It will truly be a new beginning.

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Call us today to get started, 570-822-5771, or leave us a message below.

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