David P Calvert PA Bankruptcy Lawyer
Are you struggling through difficult financial times and can’t keep up with monthly payments or facing foreclosure on your home? The key to finding an effective solution to your debt problems lies in getting the best legal advice as soon as possible. Get the straight facts about bankruptcy and benefit from every legal option available. Experienced bankruptcy lawyer, David P Calvert PA, will inform you whether you are eligible to file for Chapter 7 bankruptcy or Chapter 13 debt restructuring payment plan that will help to protect your assets and ultimately get you back on the right financial track.
Protect Your Assets and Stop Creditor Harassment
Making serious decisions on your own when you are under financial stress is unwise. David P Calvert PA attorney at law specializes in applying the specifics of bankruptcy law and will prepare all the required court documents to receive a mandatory stay that stops the harassing phone calls from creditors, avoids foreclosure of your home and repossession of your assets.
Find Debt Relief Now
Dedicated to helping individuals and families rebuild their lives, David P Calvert PA attorney at law works closely with clients to get them out from under a pile of debt with legal expertise in Chapter 7 and Chapter 13 Bankruptcies.
A Chapter 7 bankruptcy eliminates most unsecured debt including medical bills, a range of loan types, credit card debt and more. If you do not have a large amount of equity in your home, or extensive valuable assets, or if your driving privileges have been revoked due to motor vehicle surcharges, a Chapter 7 bankruptcy can provide instant debt relief.
Alternatively, you may be able to consolidate your debt with a Chapter 13 filing that protects your home, car and other valuable assets that you do not wish to liquidate as well as enabling a modification of loan payments and possibly eliminate taxes or avoid further penalties.
Debunking the Myths About Bankruptcy - True or False?
Bankruptcy Means Losing Your Property
False - While laws may slightly vary from region to region, David P Calvert PA lawyer successfully negotiated exemptions for most clients that allowed them to keep their house, car, household goods and even retirement funds when filing for bankruptcy.
Filing for Bankruptcy May Actually Help Rebuild Your Credit
True – Most clients are in a better position to pay their bills once their major debts have been discharged. In addition, many people start receiving credit offers in the mail very soon after filing for bankruptcy offering them a fresh opportunity to rebuild credit.
Only Irresponsible People File for Bankruptcy
Absolutely False – Bankruptcy can happen to some of the most conscientious individuals for a range of reasons. Sickness or injury that results in overwhelming medical bills, sudden job loss, the cost of running two households following a divorce settlement and other unexpected life events can result in financial hardship that requires an average hard-working person to declare bankruptcy.
Get the Best Legal Advice
Consult with David P Calvert PA bankruptcy lawyer to get informed about every option including alternatives to bankruptcy that include debt settlement, debt workout, debt negotiation or loan modification that offer a way out of debt problems and a chance to rebuild your credit.