If you are struggling to meet your financial obligations, and are considering bankruptcy as a way to get a fresh financial start, you want to speak to an experienced attorney, so that you know your options and understand the benefits of the different filings. The bankruptcy laws changed in 2005, making it more difficult to file under Chapter 7. You want a knowledgeable lawyer to help you throughout the process, so that you make the right decisions to protect your future.
Our Bankruptcy Reorganization Lawyers Are Here to Help
At the law office of Cunningham & Chernicoff, P.C., we have provided sound counsel to individuals throughout central Pennsylvania since 1978. Together, our attorneys have more than 130 years of legal experience. We strive at all times to resolve your problems without resorting to litigation, using negotiation, mediation and arbitration to minimize expense and lost time. We offer large firm results with a small firm attitude, always seeking to provide exceptional value to our clients.
Our Chapter 13 Bankruptcy Law Practice
If you fail to qualify to permanently discharge debts under Chapter 7, or if you want to keep all your property, we will help you seek debtor's reorganization under Chapter 13. We will carefully review the details of your financial situation, and we will gather all documents or information to prepare and file your application for Chapter 13 protection. We will also be your advocate in all hearings or meetings with creditors, the bankruptcy trustee or the court.
In a Chapter 13 bankruptcy proceeding, you have the opportunity to work out new payment arrangements with your creditors, agreeing to repay debts over a three- to five-year period. We will help you put together a plan of reorganization to submit to your creditors and will work directly with your creditors to negotiate repayment plans that meet your needs.
Contact Cunningham & Chernicoff, P.C., to Discuss Your Situation
We provide a free initial consultation to all bankruptcy clients. To schedule an appointment with one of our experienced Harrisburg Chapter 13 bankruptcy lawyers, contact us by e-mail or call our office at 717-260-3527 or toll free at 866-534-4404. We take Visa and MasterCard.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.