Bankruptcy Lawyer in Mountain Top, PA

Most of us struggle with our finances now and then, and sometimes this struggle feels constant. While we all try to manage our finances as best as we can, there’s often only so much we can do. Because of this, many Americans end up in debt that takes them years to pay off. Many of us live paycheck to paycheck, or we might need to use credit cards to pay for necessities, which causes you to end up in debt that you can’t avoid. Debt can also come when you least expect it when something out of the blue occurs, like expensive medical bills. 

Debt is very rarely easy to get out of, but sometimes it can be impossible. When this happens, you might feel hopeless thinking you’ll have to give up your possessions or consciously have collections agencies contacting you. However, bankruptcy can help you get your life back on track and get you out of debt. With the help of Attorney Jason P. Provinzano, a bankruptcy lawyer in Mountain Top, PA, JPPLaw can give you the chance to get out of debt through either Chapter 7 or Chapter 13 bankruptcy.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is the most common chapter, and many people will already be somewhat familiar with how it works. If your income makes it impossible to be able to pay off your debt, Chapter 7 bankruptcy could give you the chance to discharge some, or all, of your unsecured debt. This could have you wondering about bankruptcy eligibility for Chapter 7. To determine if you’re eligible, you’ll have to pass a means test, which we can help you with at JPPLaw. Many people worry that they’ll have to give up everything they own when they file for Chapter 7, but this often isn’t something to worry about, as many are “no asset” cases, which means you keep your assets after.

Chapter 13 Bankruptcy

For some who end up in debt, you might be able to pay it off eventually, but the way it’s currently structured makes doing so difficult. If you have the financial means to pay off your debt over time or you aren’t able to qualify for Chapter 7 bankruptcy, you should look into Chapter 13 bankruptcy. Rather than have your debts discharged like with Chapter 7, Chapter 13 allows you to pay off your debt. Sometimes called “reorganization bankruptcy,” Chapter 13 bankruptcy makes paying off your debt possible by giving you a three to five-year-long repayment plan.

Experienced  Bankruptcy Lawyer in Mountain Top

If you’ve been struggling with debt, you might not know what to do next. Going through the bankruptcy process can be difficult, which is why finding a reputable bankruptcy attorney is so important. Fortunately, JPPLaw can give residents in Mountain Top the legal assistance they need to file for bankruptcy. Attorney Jason P. Provinzano has helped hundreds of people discharge their debt, and he can help you too. With the help of JPPLaw, you can quickly be on your way to living debt-free. 

Contact JPPLaw today to schedule a free consultation.

Get Your Life Back!

When you need an attorney in Mountain Top, 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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