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Harrisburg Legal Blog

Common mistakes to avoid when filing for bankruptcy

If you find yourself on the verge of filing for bankruptcy, you are not alone. Many people in Harrisburg turn to bankruptcy every day because they can no longer afford to their pay bills. Whether your situation is because of a recent divorce, serious illness, job loss or some other unfortunate event, bankruptcy can help make your financial situation more manageable and less stressful. 

You should understand that once you declare bankruptcy, you need to modify your lifestyle and spending habits to ensure that there are no complications with your case. Here are a couple mistakes you should avoid when filing for bankruptcy

3 things to look for when choosing the executor of your estate

Many people do not like to think about when they die. But sometimes it is necessary to do so to ensure that their estate and loved ones remain financially protected. Estate planning is an excellent tool for you to use to plan for your family's well-being after your death. To prepare, you need to do more than write down a list of instructions for everyone to follow and label it your last will and testament. You need to choose the right person to act as your executor. To avoid complications that can lead to disputes and a lengthy probate process, you should take the following factors into consideration when choosing an executor.

1. Can remain neutral

What you need to know about alimony and taxes

Many people in Harrisburg cannot wait for the ink to dry on their divorce papers. They may feel so frustrated with their situation that they rush and agree to things before thinking about how the consequences may affect their tax situations once they are single.

It is not uncommon to feel anxious and ready for your separation to be made legal so you can close the door on this chapter of your life. But if you rush through your divorce and make hasty decisions regarding property division, alimony and child support, you could end up with a hefty tax bill or other complications that could adversely impact your financial situation. Before you agree to anything and sign off on your divorce decree, take some time to learn how to avoid tax issues when determining who is to receive and pay alimony.

Is bankruptcy right for you?

If you are falling behind in your bills and struggling to pay off delinquent debts, then bankruptcy may be an option for you to consider. Many people in Pennsylvania file for bankruptcy every day. The opportunity to have certain debts discharged or erased to gain a new financial start is tempting, but there are rules and stipulations in place that may or may not work well with your situation. Before you start filling out any paperwork, you should take a moment to learn if it is the best choice for your circumstances.

Common bankruptcy myths

The decision to file bankruptcy is a stressful one. Although the number of bankruptcies in the United States is on the decline, it's estimated that more than one million people will file a Chapter 7 or Chapter 13 this year. A bankruptcy can help you get past a financial setback, but there are many things you need to consider. Most importantly, you need the truth about the law and your situation. Here are a few of the myths associated with bankruptcy: 

Learn to identify these debt collection harassment techniques

Being in debt is never an easy thing, but one of the most important things to remember about it is that your debt is never an excuse for you to be treated badly. This is true even when you are having trouble making payments on time. Stories about debt collector harassment abound on the internet and in print, but the Consumer Financial Protection Bureau makes it clear what debt collectors can and cannot do when trying to get a payment on an overdue account.

Debt relief or bankruptcy: Which is right for you?

When you find yourself in escalating debt with little way forward, understanding the best options available to you can be difficult. That's especially true when every option will still be difficult, as is often the case for those whose debt has become unmanageable. At that point, debt relief and bankruptcy are the two tools available, but many people do not understand the differences between them and the choices involved.

5 ways to emotionally deal with divorce

Divorce can be taxing on every area of your life. It can affect your relationship with your children, your productivity at your job and even your ability to get out of bed in the morning. While you may have pictured "until death do you part," that isn't always the reality. In 2015 in Pennsylvania alone, while 72,774 marriages were performed, there were also 33,600 annulments and divorces. This statistic echoes across the nation, as close to 50 percent of all marriages end in divorce.

Is debt consolidation a good deal?

To many people, debt consolidation sounds like a solution to debt problems. By consolidating credit card debt into one loan, debtors can reduce their monthly payments and pay a lower interest rate.

Unfortunately, the promises of debt consolidation often do not pan out.

Contact The Law Office Of Cunningham, Chernicoff & Warshawsky, P.C.

Contact our office online, or call us at 717-260-3527 or toll free at 866-534-4404 to set up a meeting with our experienced Harrisburg bankruptcy lawyers. We offer free initial consultations in matters involving bankruptcy or personal injury.

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Cunningham, Chernicoff & Warshawsky, P.C.
2320 North 2nd Street
Harrisburg, PA 17110

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