Our Philadelphia FCRA attorneys explain how to use the Fair Credit Reporting Act (FCRA) to correct and receive compensation for credit reporting errors.
Although there is no general restriction on how many times you can file for bankruptcy, statutory waiting periods apply if you received a discharge in a prior case. These waiting periods depend on the Chapters filed, and there are some exceptions. However, if the prior case was dismissed without a discharge, the statutory waiting periods do not apply, although you may have to wait for a while under some circumstances.
Our Philadelphia FCRA attorneys explain how to use the Fair Credit Reporting Act (FCRA) to correct and receive compensation for credit reporting errors.
Our Philadelphia FCRA attorneys explain how to use the Fair Credit Reporting Act (FCRA) to correct and receive compensation for credit reporting errors.
Although there is no general restriction on how many times you can file for bankruptcy, statutory waiting periods apply if you received a discharge in a prior case. These waiting periods depend on the Chapters filed, and there are some exceptions. However, if the prior case was dismissed without a discharge, the statutory waiting periods do not apply, although you may have to wait for a while under some circumstances.
Although there is no general restriction on how many times you can file for bankruptcy, statutory waiting periods apply if you received a discharge in a prior case. These waiting periods depend on the Chapters filed, and there are some exceptions. However, if the prior case was dismissed without a discharge, the statutory waiting periods do not apply, although you may have to wait for a while under some circumstances.
In recent years, we have seen a dramatic rise in scams involving bankruptcy and debt collection. With more personal information available online, many of these scammers can be quite convincing. Worse, it is not unusual for scammers to impersonate lawyers, courts, attorneys, and government officials. Here are some of the more common scams and ways to protect yourself from them.
In recent years, we have seen a dramatic rise in scams involving bankruptcy and debt collection. With more personal information available online, many of these scammers can be quite convincing. Worse, it is not unusual for scammers to impersonate lawyers, courts, attorneys, and government officials. Here are some of the more common scams and ways to protect yourself from them.
A Philadelphia bankruptcy attorney explains how you can discharge federal, state, and local income taxes in Chapter 7 and Chapter 13 bankruptcy in Pennsylvania. Bankruptcy can eliminate some back income taxes or restructure others.
A Philadelphia bankruptcy attorney explains how you can discharge federal, state, and local income taxes in Chapter 7 and Chapter 13 bankruptcy in Pennsylvania. Bankruptcy can eliminate some back income taxes or restructure others.
The four-year Pennsylvania Statute of Limitations on debt is an often overlooked but powerful defense for consumers facing aggressive creditors. Debt collectors do not want you to know this, but sometimes a debt is just too old to collect.
The four-year Pennsylvania Statute of Limitations on debt is an often overlooked but powerful defense for consumers facing aggressive creditors. Debt collectors do not want you to know this, but sometimes a debt is just too old to collect.
Knowing what to expect at the bankruptcy meeting of creditors will make things go smoother and help to ease any anxiety you may be feeling. Your bankruptcy attorney will attend the meeting with you and prepare you beforehand.
Knowing what to expect at the bankruptcy meeting of creditors will make things go smoother and help to ease any anxiety you may be feeling. Your bankruptcy attorney will attend the meeting with you and prepare you beforehand.
What you need to know to prepare for your bankruptcy hearing by our Philadlephia bankruptcy attorneys.
What you need to know to prepare for your bankruptcy hearing by our Philadlephia bankruptcy attorneys.
Our Pennsylvania debt attorneys discuss time limits for reporting negative information on a credit report under the FCRA. Most negative information must be removed after 7 years, but there are exceptions for bankruptcy and certain other debts.
Our Pennsylvania debt attorneys discuss time limits for reporting negative information on a credit report under the FCRA. Most negative information must be removed after 7 years, but there are exceptions for bankruptcy and certain other debts.
The Pennsylvania median income increased again for most families as of May 15, 2023, meaning more debtors will qualify for Chapter 7 Bankruptcy in 2023. For Chapter 13 debtors, the median income determines whether the debtor may enter a thirty-six or sixty-month Chapter 13 plan and how much they must pay in their Chapter 13 plan.
The Pennsylvania median income increased again for most families as of May 15, 2023, meaning more debtors will qualify for Chapter 7 Bankruptcy in 2023. For Chapter 13 debtors, the median income determines whether the debtor may enter a thirty-six or sixty-month Chapter 13 plan and how much they must pay in their Chapter 13 plan.
By leveraging the benefits of Chapter 13 bankruptcy, Pennsylvania homeowners can halt or prevent foreclosure, catch up on back payments, and keep their homes. For struggling homeowners, Chapter 13 can not only help save their property but also chart a path toward financial stability.
By leveraging the benefits of Chapter 13 bankruptcy, Pennsylvania homeowners can halt or prevent foreclosure, catch up on back payments, and keep their homes. For struggling homeowners, Chapter 13 can not only help save their property but also chart a path toward financial stability.
Important information about your home, cars, credit, taxes, student loans, debt collection, and more after your bankruptcy discharge. See how to make the most of your debt-free status.
Important information about your home, cars, credit, taxes, student loans, debt collection, and more after your bankruptcy discharge. See how to make the most of your debt-free status.
The Pennsylvania Statute of Limitations on debt is a powerful tool for dealing with unfair collection practices. Unfortunately, debtors often make costly mistakes in applying the Statute of Limitations.
The Pennsylvania Statute of Limitations on debt is a powerful tool for dealing with unfair collection practices. Unfortunately, debtors often make costly mistakes in applying the Statute of Limitations.
Our attorneys discuss Pennsylvania foreclosure and eviction options during Covid 19, including eviction and foreclosure moratoriums and mortgage forbearances.
Our attorneys discuss Pennsylvania foreclosure and eviction options during Covid 19, including eviction and foreclosure moratoriums and mortgage forbearances.
The eviction moratorium issued by the Centers for Disease Control and Prevention (CDC) has been terminated. Some local eviction moratoriums and certain foreclosure moratoriums and forbearnaces on government-backed mortgages remain in effect.
The eviction moratorium issued by the Centers for Disease Control and Prevention (CDC) has been terminated. Some local eviction moratoriums and certain foreclosure moratoriums and forbearnaces on government-backed mortgages remain in effect.
Bankruptcy can help Pennsylvania seniors eliminate debt, regain control of their financial lives, and live without constant financial worries. Seniors should discuss both bankruptcy and non-bankruptcy solutions with an experienced bankruptcy attorney.
Bankruptcy can help Pennsylvania seniors eliminate debt, regain control of their financial lives, and live without constant financial worries. Seniors should discuss both bankruptcy and non-bankruptcy solutions with an experienced bankruptcy attorney.
Deficiency judgments in Pennsylvania can follow a mortgage foreclosure, leaving the former homeowners on the hook for thousands of dollars. You can fight a creditor's attempt to obtain a deficiency judgment, and bankruptcy can stop deficiency judgments and discharge debt.
Deficiency judgments in Pennsylvania can follow a mortgage foreclosure, leaving the former homeowners on the hook for thousands of dollars. You can fight a creditor's attempt to obtain a deficiency judgment, and bankruptcy can stop deficiency judgments and discharge debt.
Don't assume that your high income will prevent you from filing for Chapter 7 bankruptcy in Pennsylvania. Income alone does not determine if you should file for Chapter 7 or Chapter 13 bankruptcy or pursue a non-bankruptcy option.
Don't assume that your high income will prevent you from filing for Chapter 7 bankruptcy in Pennsylvania. Income alone does not determine if you should file for Chapter 7 or Chapter 13 bankruptcy or pursue a non-bankruptcy option.
Our Philadelphia bankruptcy attorneys answer common questions about bankruptcy, debt settlement, and debtor defense, during the COVID-19 (Coronavirus) crisis.
Our Philadelphia bankruptcy attorneys answer common questions about bankruptcy, debt settlement, and debtor defense, during the COVID-19 (Coronavirus) crisis.
What is the bankruptcy means test? How does it work, and why does it matter in Pennsylvania bankruptcy? A Philadelphia bankruptcy lawyer explains how the means test can enable more debtors to file for Chapter 7 bankruptcy.
What is the bankruptcy means test? How does it work, and why does it matter in Pennsylvania bankruptcy? A Philadelphia bankruptcy lawyer explains how the means test can enable more debtors to file for Chapter 7 bankruptcy.
Mortgage foreclosure defense in Pennsylvania can buy you time to bring your loan current, sell your home, or make other plans. In many cases, foreclosure defense can lead to a mortgage modification, settlement, or both. You can sometimes modify a mortgage while in bankruptcy.
Mortgage foreclosure defense in Pennsylvania can buy you time to bring your loan current, sell your home, or make other plans. In many cases, foreclosure defense can lead to a mortgage modification, settlement, or both. You can sometimes modify a mortgage while in bankruptcy.
Debt collectors often use intimidation, lies, and harassment to collect debts. (Witness the debt collectors in Pennsylvania that set up a fake court.) Fortunately, you can protect yourself from these unscrupulous creditors and collectors.
Debt collectors often use intimidation, lies, and harassment to collect debts. (Witness the debt collectors in Pennsylvania that set up a fake court.) Fortunately, you can protect yourself from these unscrupulous creditors and collectors.
Bankruptcy's automatic stay protects debtors from collections, lawsuits, harassment, repossession, foreclosure, and other efforts to collect debts. Creditors who try to collect after a Pennsylvania debtor has filed for bankruptcy face severe sanctions.
Bankruptcy's automatic stay protects debtors from collections, lawsuits, harassment, repossession, foreclosure, and other efforts to collect debts. Creditors who try to collect after a Pennsylvania debtor has filed for bankruptcy face severe sanctions.
A mortgage modification in Pennsylvania may involve a reduction to your interest rate, rolling any back payments into the loan principal (capitalization of the arrearage), or extending the term of your loan.
A mortgage modification in Pennsylvania may involve a reduction to your interest rate, rolling any back payments into the loan principal (capitalization of the arrearage), or extending the term of your loan.
The initial bankruptcy consultation is an opportunity to get a professional evaluation of your finances and see if the bankruptcy attorney is a good fit. Your bankruptcy attorney should review your financial situation and discuss all possible solutions, not just bankruptcy.
The initial bankruptcy consultation is an opportunity to get a professional evaluation of your finances and see if the bankruptcy attorney is a good fit. Your bankruptcy attorney should review your financial situation and discuss all possible solutions, not just bankruptcy.
Refusing to discuss bankruptcy might feel like the right choice, but it can cost you your home, personal property, retirement, and peace of mind. Consulting with an experienced bankruptcy lawyer can often prevent loss of assets and other long-term financial damage.
Refusing to discuss bankruptcy might feel like the right choice, but it can cost you your home, personal property, retirement, and peace of mind. Consulting with an experienced bankruptcy lawyer can often prevent loss of assets and other long-term financial damage.
If your car is worth less than you owe, or your interest rate is high, a Chapter 13 bankruptcy "cramdown" can lower your balance, cut your interest rate, and slash your payment. Find out what you need to know about the cramdown of auto loans in Pennsylvania Bankruptcy and alternatives.
If your car is worth less than you owe, or your interest rate is high, a Chapter 13 bankruptcy "cramdown" can lower your balance, cut your interest rate, and slash your payment. Find out what you need to know about the cramdown of auto loans in Pennsylvania Bankruptcy and alternatives.
Personal injury claims are exempt in Pennsylvania Chapter 7 and Chapter 13 bankruptcy up to a point. However, you must know how to protect your claim both before and after you file your bankruptcy case.
Personal injury claims are exempt in Pennsylvania Chapter 7 and Chapter 13 bankruptcy up to a point. However, you must know how to protect your claim both before and after you file your bankruptcy case.
If you have to take the bankruptcy means test, keep in mind that there is a high likelihood of passing. Moreover, you may have options even if you do not pass the test.
If you have to take the bankruptcy means test, keep in mind that there is a high likelihood of passing. Moreover, you may have options even if you do not pass the test.
The Bankruptcy Code and other federal statutes, such as the Servicemembers Civil Relief Act (SCRA) and the National Guard and Reservists Relief Act, offer specific protections to members of the military struggling with debt and other financial concerns.
The Bankruptcy Code and other federal statutes, such as the Servicemembers Civil Relief Act (SCRA) and the National Guard and Reservists Relief Act, offer specific protections to members of the military struggling with debt and other financial concerns.
If you bank with your creditors, you should change banks before filing your bankruptcy case to avoid losing funds. Learn why and how to protect accounts. By telling your lawyer about all of your accounts upfront, you can avoid such problems down the road.
If you bank with your creditors, you should change banks before filing your bankruptcy case to avoid losing funds. Learn why and how to protect accounts. By telling your lawyer about all of your accounts upfront, you can avoid such problems down the road.
The bankruptcy trustee’s primary job at the Chapter 7 or Chapter 13 meeting of creditors (341 meeting) is to ask questions and confirm that you have provided complete and accurate information in your petition and schedules.
The bankruptcy trustee’s primary job at the Chapter 7 or Chapter 13 meeting of creditors (341 meeting) is to ask questions and confirm that you have provided complete and accurate information in your petition and schedules.
The Fair Debt Collection Practices Act ("FDCPA") and related laws can stop unscrupulous debt collectors who try to collect settled or paid debts in Pennsylvania. Violations of these statutes can result in payment of damages for the debtor, including attorney's fees.
The Fair Debt Collection Practices Act ("FDCPA") and related laws can stop unscrupulous debt collectors who try to collect settled or paid debts in Pennsylvania. Violations of these statutes can result in payment of damages for the debtor, including attorney's fees.
Harborstone Law amounces the opening of its new office in Center City Philadelphia. Harborstone Law represents Pennsylvania consumers struggling with debt throughout greater Philadelphia.
Harborstone Law amounces the opening of its new office in Center City Philadelphia. Harborstone Law represents Pennsylvania consumers struggling with debt throughout greater Philadelphia.
The imprisonment of debt takes a heavy toll on virtually all aspects of a person's life, including work, family, friendships, and even health. There is a way out.
The imprisonment of debt takes a heavy toll on virtually all aspects of a person's life, including work, family, friendships, and even health. There is a way out.
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