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Harrisburg Legal Blog

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. 

Before you start your estate plan: Understanding probate

People refer to probate like it is a bad thing that you should avoid. However, probate is simply a legal process, and it is not inherently good or bad.

Whether you should take steps to avoid it and how you may do so depends largely on the estate you will leave behind.

Finding debt relief by filing for Chapter 13 bankruptcy

Having a decent income does not guarantee the ability to pay all the monthly bills and expenses. If your earnings each month are not enough to keep you afloat, you may want to consider whether filing bankruptcy is an option for you.

If you do not pass the means test, meaning that you make too much money to qualify for a Chapter 7 bankruptcy, you may still be able to find relief through Chapter 13.

Key factors of Pennsylvania spousal support

If your marriage is ending, there are several financial issues that you and your spouse must figure out. In some cases, the court grants a spousal support award to one of the parties.

Whether you are looking to receive or may have to pay spousal support after your divorce, there are a few key issues to keep in mind.

How to handle the emotional impact of bankruptcy

No entity, no matter how big or small, is immune from bankruptcy. Recently, Sears has made headlines for having to file for bankruptcy, which has necessitated the closing of many of its Pennsylvania locations. The stores in Pleasant Hills, Allentown and other cities around the state will have to close soon. 

Filing for bankruptcy is a significant decision to make. In addition to the toll it will take on your credit score and future finances, it can also bring about an emotional toll. It is normal to feel angry, depressed or frustrated, but it is vital to manage your feelings so that you can get through this time in a healthy way. 

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
Fax: 717-238-4809
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Toll Free: 866-534-4404
Phone: 717-260-3527