If you’re wondering how to file for bankruptcy or just looking for some basic information on the process, it’s likely that you’re facing significant debt and financial challenges. This article is meant to calm your fears and explain simply how to file for bankruptcy and why doing so might be the best decision you make. Our Bankruptcy Attorney helps people file for bankruptcy in McKean County in the Western District Bankruptcy Court, and we see how it transforms their lives.
You’re already conquering the first step to filing for bankruptcy by learning more about what bankruptcy is and how to use it to your advantage. Most people who file for bankruptcy are in financial dismay, unable to make ends meet with mounting credit card or medical bills. A Chapter 7 bankruptcy enables them to discharge their unsecured debt, protect their assets, and take back control of their lives (to learn more about Chapter 7 and Chapter 13 bankruptcies and the difference between them, click here to our main website). In order to file for a Chapter 7 bankruptcy, you must qualify for one; your monthly income, your monthly expenses, your assets, and your debts are all calculated to determine whether you can file for a Chapter 7 bankruptcy. Our Bankruptcy Attorney can sort through your finances to determine if you are eligible for a Chapter 7 bankruptcy, and our consultations are free!
Anyone filing for bankruptcy in Bradford and McKean County files for bankruptcy in the Pennsylvania Western District Bankruptcy Court. The Western District has three courthouses, one in Pittsburgh, PA, one in Erie, PA, and the other in Johnstown, PA. The Western District website offers helpful information, including addresses, court calendars, local rules, and more.
Filing for bankruptcy in the Western District includes fulfilling several requirements:
- Mandatory pre-filing credit counseling
- Preparing and filing your bankruptcy papers
- Appearing before a Trustee and your creditors
- Mandatory post-filing debt-management counseling
While it is possible to file for bankruptcy without seeking professional legal help, and made more possible with the resources provided above, hiring a professional bankruptcy attorney is a great, safe option to consider. There are many strict guidelines involved in filing for bankruptcy, and you don’t want to have any debt missed or not properly taken care of. Our debt relief consultations are free and a great way to learn more about how filing for bankruptcy might suit your situation. Call us today at (814) 274 – 8612 or (888) 885 – 6848 to schedule an appointment with our McKean County Bankruptcy Attorney. We look forward to hearing from you!
* Federal law requires the following disclosure: We are a debt relief agency helping people file for relief through bankruptcy under the bankruptcy code.
** There are other types of bankruptcies. Chapter 11 is for businesses and chapter 12 applies to farms.
***Legal Disclaimer: The contents of this site are for informational purposes only and do not constitute legal advice. No lawyer-client relationship exists until one of our attorneys meets with you and agrees to accept you as a client.