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Harrisburg Legal Blog

You should not believe everything you hear about bankruptcy

People who have had no experience with bankruptcy are often poorly informed about what this type of debt relief can and cannot accomplish.

If you are pondering whether to file for bankruptcy protection, here are five common myths to help you separate fact from fiction.

3 different options of debt relief and which to choose

What can you do when you are over your head in debt? There may seem like no way out.

While the journey is by no means simple or easy, you have different avenues to choose from to help you get back on track to financial security. Consider if one of these solutions may be the answer.

Preparing for the property division phase of your divorce

If you are facing divorce, you are probably dreading the property division process, especially if you accumulated significant assets during your marriage.

Here are five tips to help you prepare for property division and make this phase of your divorce less stressful.

An estate plan can cover all the bases in your life

The estate plan you prepare will be unique. If you are giving thought to the process, you may only want a will at this time. On the other hand, you may be ready for a living trust or some other estate planning tool.

Estate planning can be as basic as you wish or as comprehensive as your circumstances require. Your goal is a plan that covers all the bases in your life and leaves you feeling you just hit a home run.

How to know if you have waited too long to file for bankruptcy

Bankruptcy can impact any entity, including municipalities. A township in Pennsylvania has struggled ever since a judge ordered the community to pay an oil and gas company over $100,000 in legal fees after losing a lawsuit. Local officials have argued such an action could bankruptcy the town. 

Bankruptcies are tough on businesses and city governments, but they are even harder on individuals. Citizens of Pennsylvania need to know when debt has become too much. Waiting too long can negatively impact the process overall, so it is vital to recognize the signs that you should have already filed for bankruptcy

Financially adjusting to the divorcee life

There is an adjustment period after divorce that not many people talk about. Though it may look different for everyone, people need to address a few key aspects.

One of the most important aspects to consider after a divorce is finances. Adjusting to one income rather than two can be difficult for some; however, parties can do a few things to make it easier.

Helping your child adjust to the divorce dynamic

When parents decide to separate, it has a strong impact on their children. However, children can still grow and thrive with proper support.

Along with parents' needs, it is essential to consider and address the needs of the children during and after a divorce. Parents can take a few key steps to provide the support children need.

What can you expect at the meeting of creditors?

When individuals file for bankruptcy, they may not necessarily have to meet with a judge. In the state of Pennsylvania, these people will need to go through a 341 meeting, where the debtor appears and answers questions from a group of trustees. 

A lot of people think they have a good idea of the bankruptcy process. However, they tend to overlook the actual court date meant to relieve you of certain debts. Here is what you can expect during the 341 meeting. 

Can you discharge student loan debt in bankruptcy?

The amount of student loan debt in the United States has become a genuine crisis. In 2018, the total amount of student loan debt reached $1.5 trillion. Numerous people in Pennsylvania have to contend with this, and sadly, many are unable to ever completely eliminate the debt. 

As a result of succumbing to too many debts, many in the state have no choice but to resort to bankruptcy. While it tends to be a dirty word, it has helped many people across the country take control of their finances. However, it will not help you in every endeavor. As a result, many people wonder if filing for bankruptcy will eliminate student loan debt once and for all. 

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

Toll Free: 866-534-4404
Phone: 717-260-3527
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Toll Free: 866-534-4404
Phone: 717-260-3527