Saturday, July 5, 2014

Local Harrisburg Bankruptcy Attorney Provides Important Legal Assistance

By Kurt Lavecchia


When you are having problems with debts it can make life miserable for you and your family. Debt collectors may be hounding you and you might even be hesitant to answer your own phone. This can create an enormous amount of tension and stress. Thankfully your Harrisburg bankruptcy attorney is there to help.

If you would like to talk to an experienced legal professional you only have to pick up the phone and call the office. Your initial consultation is free and you can discuss your problem with a lawyer. Together you and your lawyer will look at your current financial situation and determine the best course of action.

Chapter 7 bankruptcies allow you to remove all debts from your record, but you must liquidate all of your assets. However, you can get rid of all the harassing phone calls and mail, as creditors and collectors must leave you alone. In fact, they are forbidden by law to contact you after you inform them of your legal action.

After you apply for legal protection, you cannot be sued by creditors. They must abide by the final decision of the court and trustee. If your home is in danger of foreclosure, this will stop the legal process temporarily and may give you time to do what it takes to save your property.

If you need legal protection you will need to qualify. For example, you must meet certain income guidelines and accept credit counseling. Many people will have the option of chapter 7 or 13 and an experienced lawyer is there to show you which option is best for your financial situation.

Your bankruptcy lawyer in Harrisburg will help you through the entire legal process. If you have to go to court, your lawyer will be there to represent you. You will not have to worry about debts and can go on with your life, and this will bring closure to your debt problems.




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