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Bankruptcy is a way to give a person and their family a “fresh start” - a new beginning. It's a way to put an end to harassing creditor and debt collector phone calls, collection letters and law suits. It's a way to obtain financial freedom.

The Truth About Bankruptcy


  • Credit Card Debt
  • Personal Loans
  • Payday Loans
  • Some Tax Debt
  • Medical Bills
  • Late Utility Bills
  • Judgments
  • Repossession Debt
  • Bad Mortgage Debt


  • Harassing Bill Collectors
  • Collection Letters
  • Lawsuits
  • Wage Garnishments
  • Bank Account Levies
  • Sheriff Sales
  • Foreclosures
  • Reposessions
  • Utility Shutoffs
  • IRS Seizures


  • Your Home
  • Your Vehicle
  • Your Furniture
  • Your Jewelry
  • Your Savings
  • Your Income
  • Your Tax Refunds
  • Your Retirement Funds
  • Your Personal Property

Chapter 7 & Chapter 13 Bankruptcy

Bankruptcy is a legal process that can help you manage your debts when they become overwhelming. You may be able to completely eliminate (Chapter 7) or restructure your debt (Chapter 13) so that it is easier to pay. Filing bankruptcy can also stop legal procedures such as repossession of your car or foreclosure on your house. Creditor harassment will also be stopped through the bankruptcy process. A skilled bankruptcy lawyer can help you understand your legal options, to help you decide between a Chapter 7 or a Chapter 13, and to guide you through the process. Attorney Jason P. Provinzano has helped countless clients achieve financial freedom and financial security by filing bankruptcy. Call us today, 570-822-JPP1, for a free and confidential consultation.


Chapter 7 bankruptcy eliminates most of your debt very quickly and efficiently.  From the time your case is filed to the time you receive a discharge, it usually takes around five months.  Unsecured debts, such as credit cards, loans, and medical bills, may be discharged completely. Secured debt, such as car loans and mortgages, can be retained so you can keep your belongings.

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Chapter 13 bankruptcy allows you to develop a manageable repayment plan over a period of either thirty-six month or sixty months.  Generally, only a very small portion of unsecured debts, such as credit cards, loans, and medical bills, get repaid.  Chapter 13 bankruptcy is commonly used as a tool to save homes that are in foreclosure, or homes that are soon to be in foreclosure.

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Portrait of John Fisher

John Fisher

Relationship: Fellow lawyer in community
"Jason is an excellent attorney committed to providing the highest quality representation to clients. I endorse this attorney without reservation."

Portrait of Adam Weaver

Adam Weaver

Relationship: Fellow lawyer in community
"I highly recommend Attorney Provinzano. Excellent attorney in Wilkes-Barre area and works hard for his clients."


Our Promise

There are many myths, misconceptions, and misleading information out there about bankruptcy and the bankruptcy process. Attorney Provinzano will listen to your concerns; he will answer your questions, and he will immediately help put your mind at ease. You will quickly understand that you are not trapped and that there absolutely is a way out from underneath the debt. We will discuss options; we will come up with a game plan, and we will work toward fixing your financial situation. You will feel much better after speaking with Attorney Provinzano!

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