Chapter 7 Bankruptcy Could Be Right For You

A Chapter 7 bankruptcy can be a powerful option for individuals and families who are facing overwhelming amounts of debt and are having trouble making payments on houses, cars, credit card bills and other expenses. Chapter 7 bankruptcy allows a debtor to discharge unsecured debts and get an immediate fresh start and renewed prospects for a healthy financial future.

Experienced In Solving Financial And Family Law Problems

I'm Joshua Z. Goldblum, Attorney at Law. From my office in Feasterville, Pennsylvania, I have represented individuals throughout the Philadelphia metropolitan area as well as the surrounding counties in Chapter 7 bankruptcy for more than 30 years. When you discuss your financial difficulties with me, I will give you an honest assessment of your options and the most appropriate solutions to help you get out of debt.

Call me to schedule a free initial consultation at 215-322-2745.

A Chapter 7 bankruptcy may remain on your credit report for up to 10 years from filing, but you can begin rebuilding your credit right away. Learn more about life after bankruptcy.

How Does Chapter 7 Bankruptcy Work?

The process of bankruptcy can be complicated. I can help you fully understand your rights under the law and help you avoid falling victim to common bankruptcy misconceptions.

Do I qualify for Chapter 7 bankruptcy? Beginning in 2005, anyone who wishes to file for Chapter 7 bankruptcy must qualify through a "means test." Under this test, a person's income and expenses are examined in detail and compared to the standard set for the area in which you live. If you do not qualify under the means test, Chapter 13 bankruptcy may still be a helpful option.

After I file, can my creditors still contact me? As soon as a person files for bankruptcy, an "automatic stay" is put in place that will prevent creditors from trying to collect on any debts. If a creditor fails to obey this law, it may be possible to pursue monetary damages through litigation.

Can I discharge student loans, taxes and child support? A Chapter 7 bankruptcy cannot discharge all kinds of debt. Credit card debt, medical bills and other types of unsecured debt may be discharged, but other types of debt such as alimony, most back taxes, and child support payments, may not be discharged. Some of these debts may be paid back in a Chapter 13 bankruptcy.

Do I need to hire a bankruptcy attorney? If you are contemplating bankruptcy, have questions about your rights under bankruptcy law, or are concerned about keeping your house or other property, you should contact me as soon as possible. While it is possible to file for bankruptcy without help from a lawyer, doing so will likely increase the potential for errors that could prevent the bankruptcy from being successful.

You may also visit my frequently asked questions section for answers to common bankruptcy questions.

Get Your Free Initial Consultation

As a Bucks County, Pennsylvania, Chapter 7 attorney, I offer free initial consultations, so you can learn more about your rights through Chapter 7 bankruptcy protection. As a bankruptcy lawyer, I also represent people in Chapter 13 bankruptcy. Call to make an appointment at 215-322-2745. You can also reach out to me online with questions or to schedule your appointment.

My firm is a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.