TIME FOR A FINANCIAL FRESH START!

Your debt can be fully erased by our bankruptcy lawyers in Johnstown. In most cases, Chapter 7 bankruptcy allows you to preserve your home, car, retirement savings, and other assets. Have our knowledgeable team of Johnstown bankruptcy lawyers examine your assets to make sure your possessions are secure.

Bankruptcy filing stops:

The bullying by creditors
Foreclosure
Legal action and debt collection
Repossession
IRS levies and wage garnishments
Judgments from credit cards

It is time to contact our Johnstown debt relief team if you have experienced any of the above events. Options for debt reduction can never be received too soon. We are bankruptcy lawyers in Johnstown who offer no-cost consultations and flexible payment plans.

What Takes Place in Chapter 7?

You can manage the Chapter 7 bankruptcy process with the aid of Johnstown bankruptcy attorneys. Every one of our clients gets a free, individual debt consultation. The consultation can be conducted at our Johnstown office, over the phone, over text message, or via email.

Following the initial appointment, your Johnstown bankruptcy attorney will create the necessary bankruptcy paperwork and compile the required paperwork. As our staff prepares your case, we will evaluate your supporting documentation.

There will be a 341 Meeting of Creditors following the filing of your case. These hearings are conducted in Johnstown or over the phone. At your hearing, a Trustee will be present, your Johnstown bankruptcy lawyer will be by your side. The average hearing lasts five minutes. We fully prepare you for your hearing by reviewing all of the questions you will be asked at the hearing with you.

If you meet the requirements, you’ll get your discharge in roughly 60 days. In Johnstown, we assist clients with chapter 7 bankruptcy filings. For each and every one of our bankruptcy services, we offer payment plans. Payment options enable you to start over sooner and at a lower cost that you can afford.

Your Financial New Beginning Is Closer Than You Might Imagine!

Our Johnstown bankruptcy attorneys are aware of the stress that mounting debt can cause.

The road map for your financial new beginning will be provided by our staff. We recognize how crucial it is for you to start over and to make the most of that fresh start going forward. We support and assist our customers all the way through the chapter 7 bankruptcy procedure. We even provide recommendations after bankruptcy on how to help build your credit fast.

You will have our team on your side from the first time we meet with a client until your case is concluded. Since 1985, we have been a part of this community as Johnstown bankruptcy attorneys. As a result, we are able to maintain excellent connections with our clients and continue to offer them legal counsel long after their cases are resolved.

We always give you a full analysis of your financial concerns. Our Johnstown bankruptcy attorneys will assist you in getting a fresh start! People from all throughout Johnstown and Cambria County have trusted us to assist them in filing for Chapter 7 bankruptcy.

If filing for Chapter 7 bankruptcy is your best option for debt relief, you want our knowledgeable team to help you navigate the bankruptcy process. Our experience in filing Chapter 7 bankruptcies enables us to offer bankruptcy advice and services that are prompt, dependable, truthful, and accurate.

Are You In Too Much Debt?

Before speaking with one of our Johnstown debt relief attorneys, many of our clients express this sentiment. A fresh start from the worry that you are losing control of your debt can be provided by bankruptcy.

If you qualify, Chapter 7 bankruptcy may be the best option for you to start fresh from your debt. Our knowledgeable debt relief lawyers can assist you in making the decision that is best for your financial position.

What Debts Can Be Forgiven?

Brief response from our Johnstown bankruptcy attorney: nearly all debts!

Only a few situations are exempt from the discharge in a Chapter 7 bankruptcy. These debts include ones for taxes, restitution for crimes, and child support, among others. (Some taxes may be forgiven!) You can find out if your debts are dischargeable with the assistance of our Johnstown bankruptcy attorneys.

The Means Test: What Is It?

You can use a computation called the means test to see if you qualify to file for chapter 7 bankruptcy. As a skilled Johnstown bankruptcy lawyer, we can assist you in determining whether you meet the requirements for Chapter 7. Many people think this is the only choice they have.

However, you can also file a Chapter 13 bankruptcy if you don’t meet the requirements for Chapter 7.

Each chapter may offer benefits. Because of this, our reputable team of bankruptcy attorneys in Johnstown will explain the alternatives to you. Your bankruptcy alternatives may alter as your financial position does. Therefore, even if you have already spoken with an attorney, you should still do so in order for our staff to assess your current case.

Do I Need a Bankruptcy Attorney in Johnstown?

A nearby bankruptcy lawyer can offer specialized debt relief. Our firm has an office in Johnstown to provide local services.

Every day, we offer debt relief services to local clients. Our Johnstown location is open Monday through Friday from 8 am to 5 pm. We also provide appointments on weekends and in the evenings. You will get the chance to get to know the members of our team who help with your case.

We are Johnstown bankruptcy attorneys prepared to help you get a new beginning. With offices in the area, we are aware of the local laws and courts needed to handle your case quickly and affordably.

To help our bankruptcy clients in Johnstown obtain a fresh start, we are able to offer payment options.

How Do Credit Card Lawsuits Affect Bankruptcy?

A bankruptcy can stop a credit card lawsuit. Typically clients are sued by debt collectors. The bankruptcy filing can stop these lawsuits as well. Debt Collectors such as LVNV Funding, Midland Funding, or

You can assess your best options with the assistance of our Johnstown bankruptcy attorneys. As soon as a Chapter 7 bankruptcy petition is filed, these lawsuits will end. Our knowledgeable team provides free consultations. Therefore, before making any decisions concerning a debt collector or credit card company during a litigation, always get in touch with our office first.

These creditors want you to decide right away without seeking the advice of a Johnstown bankruptcy attorney. Our staff can defend our clients’ interests in court and negotiate debts in addition to filing bankruptcy to avert these litigation.

To ensure you are receiving the greatest legal counsel, make sure you always speak with a lawyer who offers all debt relief choices.

How Does Chapter 7 Bankruptcy Affect My Car?

Generally speaking, you are free to keep it and reduce your payments. By negotiating a reaffirmation agreement or reclaiming your car, you might be able to reduce the payments.

A Johnstown bankruptcy attorney can guide you through this process. This can help you make the most of your fresh start following bankruptcy. You may reduce your car payments and get out of debt.

Relief from Debt vs. Bankruptcy

An example of debt relief is bankruptcy. All of the options for resolving your debt problems are collectively referred to as debt relief.

The legal and speedy option to be debt-free is through Chapter 7 bankruptcy, which is filed by our neighborhood Johnstown bankruptcy attorneys. Other alternatives to filing for bankruptcy to resolve debt include debt relief, which can take the form of debt negotiation, debt settlement, or even the defense of a credit card lawsuit. When handled by our skilled debt relief lawyers, these are effective debt relief solutions.

However, each client will have a unique financial position that our attorneys should assess in order to determine the best course of action for their fresh start. Making the decision between bankruptcy and debt relief in Johnstown can be challenging and frustrating. This decision can be made simple by our Johnstown bankruptcy and debt relief attorneys. We take pride in making certain that our customers understand all of their alternatives before deciding how to move forward and obtain a fresh start with their debt.

Repaying debt will be necessary for debt reduction measures including negotiating a lower payment or sum. This frequently allows our clients to save money over the course of their ongoing monthly payments. However, chapter 7 bankruptcy may be able to relieve you of your debt without requiring you to pay a sizable lump sum or make regular payments. Our team of bankruptcy lawyers can assist you with exactly this kind of decision. Therefore, after a free consultation with our Johnstown bankruptcy and debt relief team, you will have all the information and the best guidance when deciding between bankruptcy and debt relief.

Put An End To Utility Shutoffs and Eliminate Arrears!

We can assist if Penelec served you with a 10-day shut-off notice. It is possible to prevent the electricity from being turned off or to force Penelec or West Penn Power to turn it back on by filing a Chapter 7 bankruptcy with our Johnstown bankruptcy attorneys. Additionally, a chapter 7 bankruptcy may allow you to start over with your power payment. It will enable you to stop paying for whatever previous balance you may have due and start only paying for your current usage.

You can start over without having to pay the power company any debt with the assistance of our Johnstown bankruptcy lawyer. Can West Penn Power or Penelec cut off your electricity if you file for bankruptcy? No. They are prevented from taking these steps by filing for bankruptcy. When dealing with your creditors and utility companies, your knowledgeable bankruptcy lawyer in Johnstown can help you understand all of your alternatives.

When receiving shut-off warnings from other utilities like Penelec, our bankruptcy attorneys can also assist. With payment plans we can help prevent a water shut off, our Johnstown legal team has helped local customers.

How Long Does Bankruptcy Remain On A Person's Credit Report?

Your credit report will show a Chapter 7 bankruptcy for ten years. This does not imply that you won’t have credit for ten years, though. After the bankruptcy has been discharged, you can start rebuilding your credit right away.

You can get assistance from our Johnstown bankruptcy attorneys as you restore your credit. All of our clients receive our advice and recommendations for quickly restoring their credit. When our client’s file for bankruptcy, their credit score frequently rises. The bankruptcy is eliminating any negative history that might have accrued on your credit record, which is why your credit score has increased.

Our Johnstown bankruptcy attorneys frequently interact with clients and past clients who are shocked at how quickly their financial lives have been able to recover after filing for bankruptcy. If you work with our team, you can be sure that you’ll have a local, reputable group of lawyers and accountants at your side to help you make the most of your fresh start.

Looking for Credit Counseling for Bankruptcy in Johnstown?

You must complete a credit counseling course before you may file a chapter 7 bankruptcy. You can get this information from your bankruptcy lawyer in Johnstown. This course can be finished over the phone or online.

There are no additional fees while working with Bononi & Company as your bankruptcy attorneys. Any fees listed include all fees, which are expressly stated, disclosed to you up front. For our Johnstown reasonable payment plans, contact our experts right away.

Speak With a Reputable Lawyer

We are prepared to assist you in exploring your choices and obtaining the debt relief you need. We are conveniently located in downtown Johnstown at 319 Washington Street, Johnstown, Pennsylvania.

For a free consultation, call 724-832-2499 , chat with a representative, or send an email to Bononi & Company, P.C. In matters involving bankruptcy and debt relief, we provide free consultations.

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