Substantial debt may need to be addressed through bankruptcy

Though it is no one’s idea of a favorable situation, it is common for people to face debt issues at some point in their lives. Some Pennsylvania residents may have the ability to handle those liabilities themselves and get back on track, but others may face substantial debt that requires significant steps to address. As a result, bankruptcy could be the choice that best helps them.

Because everyone’s financial details are different, the type of bankruptcy that could help an individual depends on those details. Chapter 7 bankruptcy is the most commonly filed type, and it works by eliminating qualifying debts and liquidating nonexempt assets to pay back those that are not immediately discharged. However, to qualify, consumers need to pass a means test and meet other requirements. Though Chapter 7 can help create a fresh start, not all types of debts are forgiven in this process.

If individuals have a steady income and could more readily repay their debts, they may qualify for Chapter 13 bankruptcy. This process involves using a repayment plan, which must first be approved by the bankruptcy court, in order to pay a portion of certain debts. Not all debts must be repaid during this process, depending on the plan, and some remaining balances could be discharged.

Meeting the qualifications for bankruptcy is only one step in the process of handling substantial debt. Because it can be long and complicated no matter which process one goes through, it is important that Pennsylvania residents understand what they will face. Discussing this debt relief option with knowledgeable legal professionals may help concerns parties determine whether it is right for them.


The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

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