Eliminating Debt With Chapter 7
Schimizzi Law, LLC, can help you eliminate your consumer debt. We are a family law office that offers local representation. From offices in Greensburg, we provide bankruptcy and debt relief services for individuals and families in Westmoreland County and communities throughout southwestern Pennsylvania. Call at 724-838-9722, or contact us by email to arrange an initial consultation with an experienced Greensburg Chapter 7 bankruptcy attorney today.
How Can Chapter 7 Bankruptcy Help?
Chapter 7 offers the type of debt relief most people think of when they consider filing for bankruptcy. Under Chapter 7 of the U.S. Bankruptcy Code, a debtor may petition the court to eliminate many types of consumer debts, including credit card debt, personal loans, medical bills and tax arrears. One of the most important benefits of filing for Chapter 7 is that most people are allowed to keep the house and car, by agreeing to pay their mortgage and car payments on time.
Not everyone qualifies for Chapter 7. There is a means test that will apply to your income and debt ratio. We can also show you the benefits of Chapter 13 bankruptcy to restructure your debt into an affordable payment plan.
Think Of Chapter 7 As An Investment In Your Family’s Financial Future
It is understandable that credit card companies and banks want people to feel bad about walking away from their debts. The truth is, when you use a credit card or take out a loan, the deck is heavily stacked in favor of the creditor making a substantial amount of money from high interest rates, late fees and penalties. Did you know that making minimum payments on just $1,000 credit card balance will take nearly 20 years to pay off? Even if you never used the card again.
Learn more at our Bankruptcy FAQ page
End Creditor Harassment — NOW!
If you have been deep in debt for the past several months or more, you know how terrible it feels to hear a debt collector on the telephone or to find a threatening collections letter in your mailbox. When you file Chapter 7 bankruptcy, the courts put an automatic stay (stop) on any collections or legal actions your creditors may have in process. Credit card companies and loan officers will be required to make all further contacts directly with your attorney. How long has it been since you felt good about your financial future.
The day you file Chapter 7 bankruptcy:
- You can tell the bill collectors to call your lawyer.
- All wage garnishment actions against you will stop.
- All liens against your personal property will be put on hold.
- Any legal actions your creditor may be taking against you will stop.
- You can start saving for your children’s future or your retirement.
Contact Our Experienced Latrobe Credit Card Debt Attorneys
Let us help you feel more comfortable with solving your legal problem. You will find our staff friendly and our attorneys approachable and responsive. Our offices are located just one block from the courthouse in downtown Greensburg. Call us at 724-838-9722, or use the email form on our contact page to inform us of your legal needs.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.