Personal Bankruptcy

Hazleton, Pennsylvania Bankruptcy Lawyer

Debt Relief Through Chapter 7 or Chapter 13

If you are buried in debt or in danger of losing your home, filing for bankruptcy may provide the relief you need. Our attorney will sit down with you and explain everything you need to know to get a fresh start and get creditors off your back.

Free Initial Consultation • 570-497-5816 or Toll-Free 1-866-916-4024

Based in Hazleton, Pennsylvania, the law firm of Gillespie, Miscavige, Ferdinand & Baranko, LLC represents clients in Luzerne, Schuylkill, Carbon, and surrounding counties. Attorney Joe Baranko has practiced since 1983, helping hundreds of individuals file for Chapter 7 or Chapter 13 bankruptcy, including many Social Security recipients.

Can I Still File for Bankruptcy?

Yes. The law changed in 2005 to prevent people from abusing bankruptcy laws. For the average citizen, it remains the best way to clear debts or pay debts over time. Mr. Baranko will explain your options and whether you meet the income-based means test.

Chapter 7 Bankruptcy — A Fresh Start

Under Chapter 7, credit card balances, medical bills, and other unsecured debt are forgiven and do not have to be paid back. Most assets are protected, including your home, cars, and retirement savings—subject to the limits of state or federal exemptions. It's a chance to start over when there is no hope of paying off debts, and a chance to re-establish solid credit over time. Lawyer Joe Baranko will examine all your assets and debts to determine if you qualify for Chapter 7 bankruptcy.

Chapter 13 Bankruptcy — A Chance to Catch Up

Chapter 13 is often used by people behind on their mortgage or car payments, or by those whose income exceeds the Chapter 7 limitations. In Chapter 13, you will repay a portion of your debts over a 3 to 5 year period, based on your ability to pay. The rest of the debt is forgiven if you meet the scheduled monthly payments.

As soon as you file for Chapter 13 or Chapter 7, creditors must stop calling you and your family, and banks must stop foreclosure or repossession actions. If you are still harassed by creditors, we can intervene to stop them.

Is It Time to File Bankruptcy? Call 570-497-5816 or 1-866-916-4024

Contact us today in a free initial consultation to discuss your debt relief options. Time may be critical if creditors have initiated legal proceedings.

We are a federally designated Debt Relief Agency under the United States Bankruptcy Laws. We assist people with finding solutions to their debt problems, including, where appropriate, assistance in filing petitions for relief under the United States Bankruptcy Code.