Central Pennsylvania Bankruptcy Attorney

The need to file bankruptcy can happen at a moment's notice; to any of us.  Even if you share the belief and desire to pay all of your debts because it is simply the right thing to do, sometimes "life" happens.  There are many different scenarios that can occur, through no fault of your own, that may make it financially impossible to chip away at your debt, let alone pay it off.  Some common examples of why people may find themselves relying on relief provided by the Bankruptcy Code include the following:

  • Sudden loss of employment;
  • Death of a spouse and loss of spouse's income;
  • Divorce;
  • Decrease in hours at work that caused you to fall behind on the mortgage;
  • Opening credit cards to pay off other debts;
  • Medical emergencies leading to massive medical bills;
  • Living off of credit while in school or to supplement unemployment; or
  • Stuck on a fixed income that has not increased proportionately with inflation.

This is by no means a comprehensive list of why one may need to consider bankruptcy.

Once you have determined that bankruptcy is something that you would like to look into further, BE CAREFUL about what you read.  Many sources of information exist that may guide you in the wrong direction, or give you false impressions about what filing bankruptcy can and cannot do for you.  Also, bankruptcy law is a highly technical area of law.  While you are permitted to file bankruptcy without an attorney, it is extremely difficult to successfully navigate the bankruptcy code correctly without the advice and guidance of an experienced bankruptcy attorney.

Czekaj Dusharm LLC is a law firm, or debt relief agency that helps people file bankruptcy under the Bankruptcy Code.  Timothy L. Czekaj will assist you in filing your consumer bankruptcy.

Once you meet with Tim Czekaj during a free initial consultation, it will be determined which chapter of bankruptcy relief is best for your situation.  In most cases, people will either file a Chapter 7 bankruptcy, or a Chapter 13 bankruptcy.  If one qualifies for a Chapter 7 case, unsecured debt may be discharged with no payments on the debt whatsoever.  Strict criteria exist that determine if you are eligible for Chapter 7 relief.  Chapter 13, on the other hand, is a payment plan that may last between three and five years.  While this immediately sounds less appealing to most people, there are circumstances when this repayment period is beneficial to the person filing, also referred to as a "Debtor".

It is extremely important to understand that you may not have the ability to choose which chapter you will file.  It may be determined for you based on your circumstances, what you are trying to achieve, and if you have ever filed bankruptcy before.  For example, if you are behind on mortgage payments, but want to keep your home at all costs, a Chapter 13 bankruptcy may be the best choice.  This is so because while a Chapter 7 may discharge your unsecured debt, you must be current on a secured asset in order to keep it in a Chapter 7.  There are also certain exemptions that are provided under the bankruptcy code, that may allow you to keep assets despite your bankruptcy filing.  These, and other bankruptcy rules will be considered and discussed with you during your initial consultation.

At Czekaj Dusharm LLC, we will work with you and make sure that you understand the implications of filing bankruptcy, and all of your options, before we file.  If after hearing the details, we determine that bankruptcy is not a good fit, we will not pressure you to make any choice in which you are not 100% comfortable.  Client satisfaction is our goal, and we will always do what is in your best interest.

If you would like to discuss your situation or finances, please contact us today to set up a free consultation.

We proudly serve all Middle District of Pennsylvania Counties (check for your County here), including but not limited to Dauphin, Cumberland, Perry, Juniata, Mifflin, Union, Snyder, Northumberland, Franklin, Fulton, Huntingdon, and York.

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We have over 17 years combined experience in criminal defense, family law, civil litigation and general practice law, and we strive to deliver exceptional legal representation.