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Bankruptcy is an ancient, biblical tool; you have a right to a fresh start as an honest but unfortunate debtor under the U.S. Constitution.
Whether you're looking to get free of bills (chapter 7) or keep a roof over your head (chapter 13), bankruptcy is a powerful choice that can help you wipe the slate clean and reclaim your time, giving you the legal and financial peace of mind you deserve.
According to data from the Consumer Bankruptcy Project, 1981-2007:
66% of debtors reported struggling with financial liabilities for 2+ years prior to filing for bankruptcy
33% of debtors endured 5+ years of financial turmoil before seeking legal counsel
68% of debtors experienced feelings of shame upon filing for bankruptcy
>90% of debtors who filed bankruptcy wished they had done so years beforehand
Get the peace of mind you deserve.
Bankruptcy is a tool that can be used to invoke your constitutional right to a fresh start. Contact the attorneys at Philadelphia Debtors' Rights today to find out how we can help you wipe the slate clean + reclaim your time.
Chapters 7 + 13 of the U.S. Bankruptcy Code provide the ultimate forms of debt relief for the average consumer by helping you get free of bills and restore your financial (mental) health + well-being.
Instantly upon the filing of a bankruptcy petition, the automatic stay is triggered; it pumps the brakes on any/all creditor collection activity against you, including sheriff's sales, repossessions, garnishments, lawsuits and harassment.
"liquidation"
complete credit counseling coursework + gather financial paperwork [e.g., bank statements, paystubs, tax returns] for review by a court-appointed trustee at the meeting of creditors
keep virtually all of your personal property, which is entitled to exemption under federal law
obtain a discharge of qualifying, unsecured debts [e.g., credit cards, medical bills, personal loans, utility bills, lawsuit judgments, etc.]
mortgage foreclosure defense
loan servicing
loan modification
loan forbearance
loss mitigation
arbitration, unfair trade practices, UTPCPL
credit reporting, FCRA
debt collection abuse, FDCPA
disclosure violations, TRID, TILA, RESPA
foreclosure rescue scams
predatory lending
insurance claim denials/declaratory judgment action
home contractor fraud, HICPA
landlord-tenant/housing issues
credit defaults
excessive debt
debt buyers
default judgments
municipal claims
tax debt/offers-in-compromise
student loans and student loan lawsuits
covid-19 consumer protection
"wage earner's plan"
immediately freeze any pending foreclosure action or sheriff's sale + remain in your home
submit a plan, funded by your future income, that cures past due balance(s) over a span of 3-5 years
reinstate your mortgage by making regular, monthly payments directly to your loan servicer + plan payments to the chapter 13 trustee
Sued by your lender and already in court? Let’s get you the legal team you deserve.
mortgage mediation/conciliation conferences
federal/state/local moratoriums
Act 6 + Act 91 notice defects
standing requirements
service issues
PHFA financing
sheriff's sales
chapter 13 bankruptcy
short sale/deed-in-lieu of foreclosure
Struggling with mortgage payments? Let us turn over every stone to find the best way to get you back on track.
loan forbearances
loan modifications
loan servicing
loss mitigation
CFPB regulatory compliance
TRID, TILA, RESPA disclosure violations
predatory lending investigations
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