Are you about to pull your hair out because you are so far in debt? Are you losing sleep at night because your bills are piling up on end? Have you been getting threatening letters about garnishment, car or furniture repossessions or mortgage foreclosures? If that is the case, you may wish to consider filing with a chapter 13 attorney in Lebanon, Pennsylvania. The Law Offices of John M. Hyams are equipped to handle such cases. They want to tell you some things to consider as you are thinking about bankruptcy.
Under federal law you have the right to file for bankruptcy in order gain relief from your creditors. Bankruptcies can afford you the opportunity to have a fresh financial start. While bankruptcy can be a useful alleviation from debt, it is not the once-for-all problem solver. You must consider what got you into the situation to begin with. Be very selective as to when you will file a bankruptcy as you can only do so every six years. Bankruptcy can do things like stop repossession of your vehicle or other property, even to the point of making the creditor return the repossessed property; it can stop foreclosure on your home and allow you time to catch up on payments, and provide other options. Only an attorney can tell you for sure. There are two basic types of bankruptcies, chapter 7 and chapter 13, and one used by businesses, chapter 11.
The Law Offices of John M. Hyams can help you with filing your bankruptcy claims, giving you the best options for your case. The attorneys there have a strong reputation and a vast range of experience in bankruptcy law. They will help you file a chapter 7 which gives you a complete fresh start with your finances. They can help you file a chapter 13 which gives the opportunity to reorganize your debts and keep your non-exempt assets, and they will help businesses with chapter 11 bankruptcies. The law offices of john m. Hyams serve both individual and business customers and practice in the Mechanicsburg, York, Lebanon, Harrisburg, Pennsylvania areas from their two convenient establishments.
