Chapter 13 Bankruptcy

Pennsylvania Chapter 13 Bankruptcy Attorneys

A Chapter 13 bankruptcy may be the right solution for you, or you and your spouse, if you are a wage earner with income over a certain level, have missed mortgage payments and want to keep your house and car in a bankruptcy. Contact Quinn, Buseck, Leemhuis, Toohey & Kroto, Inc. to schedule a consultation with an experienced and dedicated bankruptcy lawyer.

Discuss the means testing that will help determine whether Chapter 7 or Chapter 13 bankruptcy is appropriate for your circumstances.

Stop Foreclosure. Stop the Sheriff's Sale of Your House. Prevent the Repossession of Your Car.

Chapter 13 bankruptcy has enabled many individuals and families before you to get out from under the weight of crushing debt. Most of our bankruptcy clients find themselves considering Chapter 7 or Chapter 13 bankruptcy for one or more of the following reasons:

  • Overextended consumer credit (credit cards, auto purchase, other signature loans)
  • Catastrophic injuries
  • Medical expenses that are not covered by insurance
  • Job loss (layoffs, downsizing, firing) or salary reduction
  • Mortgage loan issues (such as adjustable rate mortgages — ARM — with inflated payments due)
  • Natural or man-made disasters (such as tornadoes, floods, earthquakes and fires)
  • Divorce
  • Other unexpected twists and turns of life, such as military service overseas and its accompanying financial complications

We have helped many clients before you keep their homes through Chapter 13 bankruptcy, also called a "wage earner's plan." You may be allowed five years to repay missed mortgage payments. While you may question whether bankruptcy may eliminate student loan debts, you may be able to consolidate and refinance them as part of your bankruptcy debt restructuring.

Learn about the process of Chapter 13 bankruptcy, an interest-free debt repayment plan that may allow you to consolidate your debts and repay your debts over a three- to five-year period. Contact Quinn, Buseck, Leemhuis, Toohey & Kroto, Inc. to schedule a free initial consultation and Chapter 13 debt reorganization case analysis.