Learning the finer points of filing for a chapter 13 bankruptcy in PA isn’t an easy task to take on by yourself. If you want less stress and misery, hiring legal help close to you is a must.

Paperwork. A lot of it.

You’re going to need to deal with a lot of paperwork. Don’t rush through those documents, though. Mistakes and incomplete forms are going to delay the process and could hurt your chances of getting approved. The Law offices of David M. Offen can help you deal with the paperwork to make sure everything’s complete and ready to go.

Discharge hearing

Once you’re done paying all the debt you owe under the chapter 13 bankruptcy you filed in PA, you will need to go to a bankruptcy court for a discharge hearing. You can send your lawyer to the hearing in your stead, though. Your case will be up for review and if there are no objections from your creditors, you can expect your case to be discharged, The Nest says.

Credit reports

A chapter 13 payment plan typically lasts for about 3 to 5 years while the bankruptcy stays like a black mark on your credit report for about 7 to 10 years. That means you’re going to end up with poor credit ratings for the next few years. Search for a lawyer ‘nearby or around me’ online for the legal assistance you need.

Seized refunds

Your state as well as federal tax refunds might be seized. The money will go towards paying for your debts. Once your bankruptcy case has been terminated, you can count on your refunds to come back. For more information on how these tax refunds work, ask a lawyer.

Keep in mind that chapter 13 isn’t the only choice on the table. We recommend our no obligation free consultation with The Law Offices of David M. Offen – he is an experienced  Chapter 7 bankruptcy lawyer as well as a Chapter 13 bankruptcy attorney.  The consultation is easy and you will receive advice as to what your best option is – often bankruptcy isn’t the best choice! Call now for your free consultation.

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