Why choose the Law Offices of Jason P. Provinzano, LLC to help?

  • Nearly a decade of experience
  • More than 150 Five Star Reviews
  • We've been the recipient of many prestigious awards
  • We've handled hundreds of bankruptcy cases
  • We'll treat you like a friend
  • Always available 24/7 via phone, text, and email

Understanding Chapter 7 Bankruptcy


Chapter 7 bankruptcy is a quick and easy process that allows a person to discharge most, if not all, of his or her unsecured debt. There is a lot of false information out there about bankruptcy. Please know that Chapter 7 bankruptcy is not scary; it is not adversarial - meaning there is no fight; it does not result in your name being published in the newspaper, and it does not destroy your credit. Please contact JPPLAW to learn the truth about Chapter 7 bankruptcy.

Examples of unsecured debt that we can wipe out include, but are not limited to:

  • Credit Card Debt
  • Personal Loans
  • Unpaid Utility Bills
  • Medical Expenses
  • Some Back Taxes
  • Wage Garnishments
  • Auto Repossession
  • Foreclosure Deficiency Balances

What are the Benefits of Chapter 7 Bankruptcy?

From start to finish, the Chapter 7 bankruptcy process generally is completed in few short months. During this time, non-exempt assets will be liquidated and the proceeds from the liquidation will be used to repay your creditors. However, it is extremely important to know that almost all Chapter 7 bankruptcy cases are “no asset” cases, which means that we list your assets; we exempt your assets, and you keep your assets. Nothing is liquidated and your unsecured debt is wiped out! You will then have the chance to move forward with a clean slate.

Other benefits of filing for Chapter 7 bankruptcy include:

  • The automatic stay will protect you from debt collection activity (phone calls, letters, and lawsuits)
  • Most, if not all, of your unsecured debts will be discharged
  • You keep your things
  • There is no limit to the amount of debt you can have
  • You will not be required to follow a debt repayment plan

How to Determine if You Qualify for Chapter 7


A majority of cases are Chapter 7 bankruptcy cases; however, we must determine if you qualify. To qualify for Chapter 7 bankruptcy, we must first look at the “means test.” The means test examines the person’s disposable income and measures his or her income against the median household income in the area we are in. Contact us today to find out if your qualify for Chapter 7 bankruptcy within ten minutes!

Chapter 7 Bankruptcy Timeline

Start to Finish Less Than 5 Months


STEP 1

Contact JPPLAW; speak with Attorney Jason P. Provinzano, and establish a game plan

STEP 2

Complete an at-home credit counseling course, which takes about an hour

STEP 3

Your case is filed and the automatic stay goes into effect – no more creditor harassment

STEP 4

Complete an at-home debtor education course, which takes about two hours

STEP 5

30-45 days after your case is filed, we go to the bankruptcy 341(a) meeting (not scary at all)

STEP 6

Debt will typically be discharged within about three months after the bankruptcy 341(a) meeting

Schedule Your Free Consultation to Get Started Today!


Take the first step and contact us today! Speak with Attorney Jason P. Provinzano and discover whether or not Chapter 7 bankruptcy is right for you!  You will absolutely feel as if a heavy weight as been lifted once you realize that there is a light at the end of the tunnel.

We have already helped hundreds of individuals find relief from their debt. Find out how we can do the same for you by contacting Chapter 7 bankruptcy lawyer Jason P. Provinzano, who is conveniently located right here in Northeastern Pennsylvania, for a free consultation.

Call us today, 570-822-JPP1, or leave us a message below to get started.

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