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Looking For A Greensburg Bankruptcy Attorney?

Our Bankruptcy Attorneys in Greensburg can completely eliminate your debt. Under Chapter 7 bankruptcy, you can keep your house, car, retirement accounts and other assets under most circumstances. Have our skilled team of Greensburg Bankruptcy Attorneys review your assets to ensure your property is safe.

Should I Consider Chapter 7 Bankruptcy?

Filing for bankruptcy stops:

  • Harassment by creditors
  • Foreclosure
  • Debt collection and lawsuits
  • Repossession
  • Utility shutoffs
  • IRS wage garnishment and levies
  • Garnishments
  • Judgments

 

If you have had any of the actions described above happen to you, it is time to talk with our Greensburg Debt Relief Team.  It is never too soon to get debt relief advice.  We are Greensburg Bankruptcy Attorneys that provide free consultations and affordable payment arrangements for our services.

What Is The Chapter 7 Process?

Greensburg Bankruptcy Lawyers will help you navigate the Chapter 7 Bankruptcy Process.  All of our clients receive a free personalized debt consultation.  The consultation can take place at our Greensburg Office, by phone, text, or email. 

After the initial consultation, your Greensburg Bankruptcy Lawyer will prepare the required bankruptcy documents and gather the necessary documentation.  You will review your documentation and our team will file your case. 

After your case is filed a 341 Meeting of Creditors will be held.  Your 341 Meeting will be held in Greensburg.  Your Greensburg Bankruptcy Attorney will be with you at your hearing and this is your chance to meet the Trustee.  Most hearings last about 5 minutes. 

If you qualify you will receive your discharge in about 60 days.  We help clients file for chapter 7 bankruptcy in Greensburg.  We provide payment plans for all of our bankruptcy services.  Payment plans allow you to get your fresh start sooner and at an affordable price. 

Your Fresh Start Is Closer Than You Think!

Our Greensburg Bankruptcy Lawyers understand how stressful excessive debt can be. 

Our team can provide the blueprint for your fresh start.  We understand how important it is for you to get your fresh start and to maximize your fresh start moving forward.  We help guide our clients through the entire chapter 7 bankruptcy process. 

From the first time we meet with our clients until the discharge of your case you will have our team on your side.  As Greensburg Bankruptcy Lawyers we are members of this community and have been since 1985. This allows us to have great continued relationships with our clients providing them legal advice even after their cases are over. 

We always provide you with a thorough review of your financial questions. Our Bankruptcy Attorneys in Greensburg will help you achieve your fresh start! We have been trusted to help people all over Greensburg and Westmoreland County to file for Chapter 7 bankruptcy.

If Chapter 7 bankruptcy is your best debt relief option, you want our local skilled team to guide you through the bankruptcy process. Our experience in filing Chapter 7 bankruptcies allows us to provide quick, trusted, honest and accurate bankruptcy advice and services.

Are You Too Far In Debt?

Many of our clients feel this way before they talk with our Greensburg Debt Relief Attorneys.  Bankruptcy can provide a fresh start from the feeling of losing control of your debt. 

Chapter 7 Bankruptcy can be the solution to start over from your debt, if you qualify.  Having experienced debt relief attorneys we can help you make the best choice for your financial situation. 

What Debts Are Dischargeable?

Short Answer by our Greensburg Bankruptcy Lawyer: Almost all debts. 

There are only a few exceptions to the discharge in a Chapter 7 Bankruptcy.  These exceptions are debts such as child support, criminal restitution, and certain taxes. (some taxes are dischargeable!) Our Greensburg Bankruptcy Lawyers are able to help you determine if your debts are dischargeable.

What Is The Means Test?

The means test is a calculation that is used to determine if you are eligible to file a chapter 7 bankruptcy. As an experienced Greensburg Bankruptcy Attorney we can help you evaluate whether you qualify for Chapter 7.  Many people believe this is their only option. 

However, if you don’t qualify for Chapter 7 you can also file a Chapter 13 Bankruptcy. 

Each chapter can have advantages.  That is why our trusted team of Bankruptcy Lawyers in Greensburg will walk you through your options.  As your financial situation changes your bankruptcy options may change.  So even if you have talked with an attorney before, you will want to talk to our team to review your current situation. 

Do I Need a Greensburg Bankruptcy Lawyer?

A local bankruptcy attorney near you can provide personalized debt relief.  Our team has offices in Greensburg, Pennsylvania. 

We provide local clients debt relief services daily.  Our office in Greensburg is open from 8am until 5pm, Monday through Friday.  We offer evening and weekend appointments as well.  You will be able to meet our team of professionals who assist in your case. 

We are Greensburg Bankruptcy Lawyers available to get you a fresh start.  With offices in this community we are familiar with the local procedures and courts necessary to proceed with your case efficiently and cost effectively. 

We are able to offer payment plans for our Greensburg bankruptcy clients to ensure they are able to get their fresh start.

What Happens To Credit Card Lawsuits in Bankruptcy?

Have you thought about settling with Synchrony, Midland Funding, LVNV, Capital One, Discover Bank, Unifund, or any other credit card companies or debt buyers?  

Our Greensburg Bankruptcy Lawyers can help you evaluate your best options.  Chapter 7 bankruptcy will stop these lawsuits immediately upon filing.   Our experienced team offers free consults.  So always call our office first before making any decision involving a debt collector or credit card company during a lawsuit. 

These creditors want you to make a quick decision without consulting a Greensburg Bankruptcy Lawyer.  Our team not only files bankruptcies to stop these lawsuits, but we can also defend and settle the debts if that is best for our clients. 

Make sure you are always talking with an attorney who offers all debt relief options so you can be sure you are getting the best legal advice. 

What Happens to My Car in Chapter 7 Bankruptcy?

You generally can keep it and you may be able to lower the payments.  You may be able to lower the payments by negotiating a reaffirmation agreement or redeeming your car. 

You will want a Greensburg Bankruptcy Attorney to help you navigate this process.  This can be a great tool to maximizing your fresh start from bankruptcy.  You can get out of debt and lower your car payments.

Debt Relief vs. Bankruptcy

Bankruptcy is a type of debt relief.  The term debt relief generally describes all of the solutions available to your debt issues. 

Chapter 7 bankruptcy, filed by our local Greensburg Bankruptcy Lawyers, is the legal and quick way to be debt free.  Debt Relief, which can be debt settlement, debt negotiation, or even defending a credit card lawsuit are other options to resolving debt that do not involve bankruptcy.  These are viable debt relief options when handled by our experienced debt relief attorneys. 

However, each client is going to have a financial situation that should be evaluated by our attorneys to make the best decision for their fresh start.  Debt Relief vs. Bankruptcy in Greensburg can be a difficult and stressful choice to make.  Our Greensburg Bankruptcy and Debt Relief Attorneys can make this choice easy.  We take pride in making sure our clients have all of their options explained to them before making a choice on how to proceed to get their debt fresh start.

Debt relief, such as negotiating a lower payment or a lower balance, will involve the repayment of debt. Often times this can save our clients’ money over the months that they continue to make payments.  But chapter 7 bankruptcy can provide you relief from the debt without the necessity of making monthly payments or a large lump sum.  This type of decision is the exact issue that our team of bankruptcy attorneys can help you with.  So when you are choosing between Bankruptcy and Debt Relief you will have all of the information and the best advice after a free consultation with our Greensburg Bankruptcy and Debt Relief Team.

Stop Utility Shut Offs and Wipe Out the Arrears!

If you were served with a 10 day shut off notice from Penelec or West Penn Power, we can help.  Filing a Chapter 7 Bankruptcy with our Greensburg Bankruptcy Lawyers can stop the shut off or require Penelec or West Penn Power to turn the electricity back on.  A chapter 7 bankruptcy can also get you a fresh start on your electric bill.  It will allow you to begin to only pay for your current usage and not be required to pay for the old balance you may have owed. 

Our Greensburg Bankruptcy Attorney can help you start fresh without a balance owed to the electric company.  Can Penelec or West Penn Power shut off your electricity for filing bankruptcy? No.  Filing the bankruptcy stops them from taking these actions.  Your experienced bankruptcy attorney in Greensburg can help you know all of your options when dealing with your creditors and utility companies.

Our Bankruptcy Lawyers can also help with shut off notices from other utilities, such as Peoples Gas or Columbia Gas.  Our Greensburg Legal Team has assisted local clients with payment plans with the Westmoreland County Municipal Authority or to stop a water shut off. 

How Long Does Bankruptcy Stay on Your Credit Report?

Chapter 7 Bankruptcy will remain on your credit report for 10 years.  However, this does not mean that you will not have credit for 10 years.  You will immediately begin building your credit after the bankruptcy has been discharged. 

Our Greensburg Bankruptcy Attorneys can walk you through the process of rebuilding your credit.  Our team provides all of our clients the best tips and suggestions for rebuilding your credit fast. Often times our clients see their credit score increase from filing bankruptcy.  The increase in credit score is because the bankruptcy is removing the negative history that may have built up on your credit report. 

Our Bankruptcy Lawyers in Greensburg often speak with clients and former clients that are astonished at how fast they have been able to rebuild their financial life after the bankruptcy.  You know if you hire our team that you have a local and trusted team of attorneys and accountants to rely on to help you get the most of your fresh start. 

Looking For Bankruptcy Credit Counseling in Greensburg?

You will be required to take a credit counseling course prior to filing your chapter 7 bankruptcy.  Your Bankruptcy Attorney in Greensburg can provide you with this information.  You will be able to complete this course online or over the phone. 

With Bononi & Company as your Bankruptcy Attorneys there are no hidden costs.  All fees are clearly stated and given to you upfront and included in any fees quoted.   Call our team today for our affordable payment plans in Greensburg. 

Speak With An Experienced Attorney

Located across the street from the Greensburg Courthouse, we are ready to help you explore your options and get the debt relief you deserve. Contact Bononi & Company, P.C. toll-free today at 724-832-2499, chat or email, for an initial consultation. We offer free consultations in bankruptcy and debt relief cases.

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.