LUONGO BELLWOAR Bankruptcy Attorneys
LUONGO BELLWOAR offers expert legal advice for Oxford residents thinking about bankruptcy. If you would like to meet in person, we have offices in West Chester PA.
While many fear the consequences of filing bankruptcy, it actually is an opportunity to freshen your finances and start new. Plus, it stops unwanted collection calls and the lingering threats of eviction or wage garnishment. Depending on your individual situation, you may be eligible to declare Chapter 7 Bankruptcy or Chapter 13 Bankruptcy.
Chapter 13, also known as reorganization, establishes a payment plan and usually helps to get debt paid off within 3 to 5 years. Chapter 7, or straight bankruptcy, is where a person is allowed to keep certain property that is deemed exempt from the bankruptcy.
Filing for Bankruptcy in Oxford
Before filing bankruptcy, you must first receive budget and credit counseling from an approved credit counseling agency within 180 days before your bankruptcy case is filed. There is an approved agency in West Chester and many others in the Philadelphia area.
Consumer Credit Counseling Service of Delaware Valley
770 E. Market Street
West Chester, PA 19382
If you are considering filing for bankruptcy or want a free consultation to explore your options, fill out our Contact Us form or call 610-430-6600. Our expert, friendly attorneys and staff will be more than happy to help you.