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Financial struggles can happen to anyone. You may have experienced an illness, job loss, divorce, or other life change that made it impossible to keep up with your bills. Filing for bankruptcy may be the wisest approach to regaining your financial footing.  With the help of a skilled bankruptcy attorney, you can get a fresh financial start or develop a manageable plan for resolving your debt.

The Bucks, Lehigh and Montgomery County bankruptcy attorneys at Ashby Law Offices, LLC, have experience handling both Chapter 7 and Chapter 13 bankruptcy matters. We understand how difficult it is to need to file for bankruptcy, and we are committed to providing the information, guidance, and support you need to make it through the bankruptcy process and move on to a more successful financial future.

Understanding Chapter 7 and Chapter 13 Bankruptcy

Ashby Law Offices, LLC represents individuals and couples in Chapter 7 and Chapter 13 bankruptcies. Once a bankruptcy case is filed, you are under the protection of the federal bankruptcy court, and an “automatic stay” immediately prevents creditors from calling or taking collection actions against you.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is also sometimes referred to as “fresh start” bankruptcy because if your household’s monthly expenses are greater than your income, you can wipe out most of your debt and start over. Chapter 7 eliminates medical and credit card debt, personal loans (but not student loans), collection agency accounts, most civil court judgments, and more.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is sometimes called “wage earner’s” or “reorganization” bankruptcy. Unlike Chapter 7, which concludes in a matter of months, Chapter 13 takes 3-5 years, during which time you pay back a percentage of your debt using your income. A benefit of Chapter 13 is that it can allow you to stop foreclosure and keep vehicles from being repossessed.

The bankruptcy attorneys of Ashby Law Offices, LLC will help you determine which type of bankruptcy you qualify for and which is best for you. Then we will guide you through every step of the process.

Contact Our Law Firm

Offices in Quakertown, Allentown and Doylestown

If you have questions regarding Chapter 7 bankruptcy or Chapter 13 bankruptcy, we invite you contact Ashby Law Offices, LLC at 215-536-7606 or through our convenient online contact form. We offer a free telephone consultation.


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