Get on the path to results today.
Harrisburg Bankruptcy Attorney
Secure Your Future: Trust Harshberger Law for Compassionate and Skilled Bankruptcy Assistance
Enduring the stress of mounting debt day in and day out is a heavy burden. If you find yourself grappling with financial difficulties due to economic downturns or personal setbacks, know that you're not alone in feeling that your finances are spiraling beyond your control.
For a significant number of people, filing for personal or business bankruptcy can be a beacon of hope, providing a chance to reset or a pathway to steer things back on a positive course. While it's not the sole option, bankruptcy often emerges as the most secure and practical choice. To explore the avenues open to you, we invite you to engage in a compassionate, financially informed discussion with our attorneys. Contact us for a complimentary, no-obligation consultation with our skilled bankruptcy lawyers in Harrisburg, Pennsylvania.
Common types of bankruptcy
Chapter 7
Chapter 11
Chapter 11
This swift form of bankruptcy is suitable for those with limited income, aiming to discharge unsecured debts such as credit card dues and medical expenses. Typically, filers under Chapter 7 are able to retain their assets, including homes and vehicles, depending on their individual circumstances.
Chapter 11
Chapter 11
Chapter 11
Often associated with business restructuring, Chapter 11 can also be a viable route for individuals with higher incomes or significant debts. It allows for reorganization while maintaining the operation of business or personal assets.
Chapter 13
Chapter 11
Chapter 13
Ideal for those with a steady income, this option facilitates a repayment plan over a period of three to five years. It's designed for debt reorganization, allowing individuals to manage their debts more feasibly.
Composed, Comprehensive Approach to Hurdles
Our firm is dedicated to assisting those in need of debt relief, leveraging our expertise to tackle
- Preventing home foreclosure or the repossession of assets like vehicles
- Halting creditor harassment that can overwhelm your daily life
- Ceasing wage garnishment
- Evaluating if unpaid taxes can be resolved through bankruptcy
- Candidly discussing bankruptcy's impact on your credit score and future credit rebuilding opportunities
Navigating Through Financial Challenges: Exploring Debt Relief Options in Harrisburg, PA
Often perceived as a measure of last resort, bankruptcy can actually be a lifeline for those submerged in debt. It provides an opportunity to reset your financial landscape, offering respite from creditors and a route to rebuild your credit standing. In Harrisburg, PA, attorneys specializing in bankruptcy offer expertise in various chapters, each tailored to specific financial needs.
Understanding the Bankruptcy Procedure
Initiating Bankruptcy: Preliminary Steps
Embarking on a path to financial liberation via bankruptcy starts with grasping its intricacies. For Harrisburg, PA inhabitants, this often begins with a meeting with a bankruptcy lawyer. In this session, you'll delve into your financial status comprehensively. The lawyer will assess your liabilities, assets, earnings, and outgoings to identify the most fitting bankruptcy type or other debt resolution strategies.
Restoring Your Credit Score
Remaining on your credit report for as long as a decade, the effects of bankruptcy diminish with time. You can begin to repair your credit right after your debts are discharged. Effective strategies include: