Attorney Tova Weiss is lead Bankruptcy counsel and believes that most people have undergone financial hardship at some point in their lives. Bankruptcy protection affords people the opportunity to get on their feet again, to get a "fresh start," and to rebuild financial health. There is no shame in filing for Bankruptcy protection, it is a legal tool provided to help individuals in financial crises gain control of their personal finances.
Attorney Weiss can provide you with legal representation for either Chapter 7 or Chapter 13 Bankruptcy. By filing Chapter 7 or 13 Bankruptcy, you qualify for a "stay", or no-action period, which is a preventive tool against creditors (for example, credit card and mortgage companies). We will help you in the complex process in order to protect and maximize your rights under the law. We are a debt relief agency, we help people file for Chapter 7 and 13 Bankruptcy.
A Chapter 7 bankruptcy is liquidation. Under the Bankruptcy Code you can prevent your assets from being sold by trustee as long as the assets are legally exempt, while still discharging your dischargeable debts.
The debts that you do not repay are discharged. Some debts can not be discharged ("non-dischargeable") and you must continue to pay them at an agreed time frame and schedule such as taxes, child support, alimony restitution, and others.
To begin your Bankruptcy case you file a Bankruptcy Petition with the U.S. Bankruptcy Court Clerk's office. Call our office today for a Free phone consultation.
A Chapter 13 Bankruptcy is for an individual with Regular Income. In order to file a Chapter 13 Bankruptcy case you must have regular income (may be from different sources) and not owe more than $383,175 in unsecured debt or $1,149,525 in secured debt.
Usually, a Chapter 13 Bankruptcy plan is a three to five year payment plan for the unsecured and secured debt you owe. The plan cannot exceed five years.
A Chapter 13 Bankruptcy provides debtors, especially in today's economic climate, with an opportunity to put all mortgage arrears in a payment plan (paid to the Bankruptcy Trustee), while still keeping their house.
In order to determine which Bankruptcy case is best for you, contact an attorney at the Law Offices of Blitshtein & Weiss by calling toll-free at 1-888-435-4111 or 215-364-4900 or by sending us an e-mail from the link on our "contact us" page. A personal interview and document review will be conducted at your first appointment. Please gather the following documents for your first appointment (if possible)
If you are facing overwhelming financial difficulties, bankruptcy protection offers a chance to sort through a complex financial process and make a brand new start. The Law Offices of Blitshtein & Weiss, P.C. provide personalized legal representation that includes a complete assessment of every option available to help you regain control of your finances. Our legal team of qualified experts apply an objective and non-judgmental approach that helps individuals to clarify and protect their rights when faced with major financial challenges.
Two Signs You Need a Bankruptcy Lawyer
At Law Offices Of Blitshtein & Weiss, P.C., we are acutely aware of how stressful the very prospect of bankruptcy can be. However, the fact of the matter is that there is a light at the end of the tunnel and when you enlist the services of our professional team, you can rest assured that you will be in the safest hands possible from a legal perspective. Having catered to the needs of homeowners in all types of financial hardship since we first opened our doors, it is no exaggeration to say that we at Law Offices Of Blitshtein & Weiss, P.C. know whether or not your financial situation is bad enough so that you should file for bankruptcy. If you are unsure whether or not you should file for bankruptcy, then let us give you one solid piece of advice: seek a consultation with one of our experienced bankruptcy lawyers today.
Despite the best of intentions, the simple fact of the matter is that advice from friends, family members and loved ones can end up costing you more than it helps. This is because even though they think are doing the best for you, they are actually exposing you to months of unnecessary creditor harassment because of their flawed advice. If you want to make sure that you are getting the most relevant bankruptcy law information, then you really need the expertise and experience of a professional legal team you can trust today.
So, with that in mind, if you are unsure if you need to file for bankruptcy or not, then checking to see if one or more of the following two situations apply to you is a great place to start:
- You are carrying a high credit card balance: There is no doubt that credit cards can be a very useful way of financing your lifestyle in the short term. However, as the old saying goes ‘nothing comes for free’ and it is important to remember that credit card bills need to be paid off every month. Once your credit card balance surpasses a certain threshold, a figure that should be a percentage of your monthly income, then you need to think about where you are going wrong. If you are carrying a high credit card balance and cannot afford to pay it off, then you really need to speak to one of our bankruptcy lawyers at the Law Offices Of Blitshtein & Weiss, P.C. today!
- Overwhelming Unsecured Debt: The unfortunate fact of the matter is that the number one culprit of overwhelming unsecured debt is medical treatment, and this is an unfortunate and often unforeseen result of unsecured debt. However, regardless of the reason, the reality is that when you have large amounts of unsecured debt, you really need to re-evaluate your bankruptcy options. In situations like this, it may make sense to enact a Chapter 7 bankruptcy as this can eliminate your unsecured debt and give you a fresh start right away.
What Are My Options for Filing For Bankruptcy?
Bankruptcy Case - Chapter 7
Benefit from a free phone consultation in Bucks County, Pennsylvania when filing for Chapter 7 bankruptcy liquidation with the U.S Bankruptcy Court Clerk’s office. The Law Offices of Blitshtein & Weiss, P.C. will legally protect your assets from being sold and provide representation in the discharge of debts from which you are legally exempt. As a debt relief agency, we offer counsel and assistance in setting up viable payment schedules for those debts that are categorized as non-dischargeable and include tax payments and child support and alimony, among others.
Free Phone Consultation with a Bucks County Lawyer
Filing for Chapter 13
Under certain conditions, an individual may be eligible to file for a Chapter 13 Bankruptcy while earning a regular income. The legal experts at the Offices of Blitshtein & Weiss, P.C. will inform you of options that may allow you to combine mortgage arrears within a structured payment plan to retain your home.
Understanding Your Rights Is the First Step
At the Law Offices of Blitshtein & Weiss, we are committed to helping our Bucks County clients determine which Bankruptcy case offers the best protection according to their particular situation. Receive immediate assistance by calling toll free at 1 888 435-4111 or 215 364-4900, or by email sent to the link listed on the contact page of this site.
First Appointment and Document Review
Following your free phone consultation, please gather the following documents prior to your fist visit with us
- Last two (2) years Tax Returns
- Last six (6) months of paystubs
- Mortgage Statement & Home Equity Lines of Credit Statements
- Automobile Lease/Payment Statements
- Bank Account Statement/Brokerage Statements for the last 90 days
- Retirement Account Statements, 401K/IRA
- Credit Card Statements
- Medical Bills
- Tax Bills
- Any other persons/entities to whom you owe money.
Call for a free phone consultation today