West Chester PA Bankruptcy Lawyers
Award-winning bankruptcy attorneys Stanley Luongo and Thomas Bellwoar offer expert affordable legal advice and representation to West Chester PA and surrounding Chester, Delaware, Montgomery, Philadelphia, Lancaster, and Berks County residents. If you are suffering from suffocating credit card debt, home foreclosure, or the inability to pay daily household bills, bankruptcy protection can help.
We provide experienced, affordable legal assistance to help our clients achieve a fresh start and peace of mind.
Bankruptcy Protection Benefits
Bankruptcy protection can provide relief from:
- wage garnishments
- bill collector calls
- foreclosures and sheriff sales
- debt-related lawsuits
- IRS tax problems
- utility shut-offs
- evictions and car repossessions
- credit card debt, bills, and judgments
Types of Bankruptcy
There are different types of bankruptcy, typically referred to by their chapter in the U.S. Bankruptcy Code also known as Title 11 of the United States Code. Individuals and businesses have the option to file Chapter 7 or Chapter 13 bankruptcy, depending on the specifics of their situation.
Chapter 7 Bankruptcy is the simplest and most common form of bankruptcy. In Chapter 7, if the debtor has assets not protected by an exemption, a court-appointed Trustee may sell the assets and distribute the net proceeds to creditors. In exchange, the debtor gets a discharge of their personal liability for most debts. In almost 99% of individual bankruptcy cases, the Trustee closes the case without selling anything that belonged to the debtor.
Chapter 13 Bankruptcy is more flexible than a Chapter 7. It is a reorganization plan for an individual with regular income who can make some payment to creditors. Unless they elect otherwise, debtors keep all of their assets in Chapter 13 and get a discharge of their debts at the end of the case.
- Answers to Common Bankruptcy Questions
- 12 Myths About Bankruptcy
- What Must I Do Before Filing Bankruptcy?
- Filing Bankruptcy in Chester County
- Filing Bankruptcy in Delaware County
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“Not only were Stan and Nicole thorough in completing the legal steps necessary to complete the bankruptcy discharge, they were emotionally supportive and encouraging throughout a very difficult time for us.”
“Excellent communication. The firm kept us constantly informed of the bankruptcy progression.”
“I can’t express how happy I am enough to you for all your help with my bankruptcy. I could not have asked for a better lawyer to represent me.”