> Personal Injury & Bankruptcy Lawyer in Pittston, PA

Personal Injury & Bankruptcy Lawyer in Pittston, PA

From time to time, almost everyone runs into some type of financial trouble. In today’s society, it’s almost impossible not to fall into debt at some point. This is especially true when many people rely on credit cards to afford their everyday needs or can get an expensive medical bill at any time. Being in a large amount of debt can make it seem like you have no control over your finances, but there are options available that can help. For thousands of people each year, bankruptcy is the best solution.

Deciding whether or not to file for bankruptcy can feel overwhelming, and many people aren’t aware of what this actually entails, which is why you need the help of a bankruptcy lawyer. For Chapter 7 and 13 bankruptcies, Attorney Jason P. Provinzano is a qualified bankruptcy lawyer in Pittston who can help guide you through the process.

Chapter 7

Much of what you know about bankruptcy is likely Chapter 7 bankruptcy. This makes up the majority of bankruptcy cases each year and is a viable option for some individuals and businesses to file for. This chapter of bankruptcy is recommended for those who aren’t able to pay off their debt based on their income. Through Chapter 7 bankruptcy, you could have some, and possibly even all, of your unsecured debts eliminated. One requirement to file for Chapter 7 bankruptcy is to pass the means test. This is a quick test we can provide at JPPLaw to determine whether or not you’re eligible for this chapter. Many people associate Chapter 7 bankruptcy with having to give up their possessions. Fortunately, this is often not the case, as many Chapter 7 bankruptcies are “no asset” cases, meaning you can hold onto all your assets.

Chapter 13

You might be in a position where you’re struggling to pay off your debt, but you do have the financial means to do it eventually. Your debt might be arranged in a way that makes it difficult to pay off or requires you to pay it off faster than you’re able to. If this sounds like what you’re currently going through, Chapter 13 bankruptcy will likely be your best option. Chapter 13 bankruptcy is sometimes referred to as “reorganization bankruptcy,” and unlike Chapter 7, this chapter requires you to pay off the debt you owe. The benefit of Chapter 13 bankruptcy is that it allows your debts to be restructured into a repayment plan lasting either three to five years. By doing this, you can have the opportunity to get out of debt over time by paying it off on your own.

Get Help With Bankruptcy in Pittston

Struggling to get out a debt can be one of the biggest sources of stress in a person’s life. In times like this, you need someone you can rely on to help you through it. Attorney Jason P. Provinzano is experienced with bankruptcy cases and is determined to help reach the best solution for you. At JPPLaw, we’ve helped hundreds of people in the area get out of debt through bankruptcy and are ready to help you as well.

If you’re considering bankruptcy and want to know more about how it can help and what your options are, contact us today for a bankruptcy lawyer in Pittston.

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