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Harrisburg Legal Blog

How to escape payday loans

If you have fallen so far behind in your mortgage and car note payments in Harrisburg that you resort to using payday and cash advance loans, know that you are not alone. Many people just like you use them to help keep them afloat while they are in between paychecks. On the surface, payday loans may seem like an appropriate solution for you to use to catch up on your bills and financial obligations. But they often come with high-interest fees, which could end up putting your further in debt. Some people end up having to file for bankruptcy to help them with this type of debt. 

If you become unable to repay the amount you borrowed, you will incur penalties on top of the interest and entire amount of loan due. Before you find yourself trapped in a payday loan nightmare that you cannot escape from, consider the following actions to take. 

Estate planning and second marriages: What you should know

It is not uncommon for some people to get married a second, third or even fourth time in Harrisburg. But when it comes to estate planning and second marriages, it can add another layer of complexity to an already confusing situation. You want to provide for your family members, but there are many financial and estate planning issues you should consider first. 

In first marriages, many people chose to leave things behind to their surviving spouses. However, with second and subsequent relationships, the goals are different. You may have children from a previous relationship, your spouse may have kids from a prior marriage and you may even have biological children together. To prevent issues that could leave your current spouse and biological and step-children at a disadvantage, consider the following advice about estate planning and second marriages

Division of property during divorce in Pennsylvania

A large part of the divorce process is separating assets between the two parties. It may be helpful to become familiar with the property division process.

Certain states distribute assets differently than others. In the state of Pennsylvania, a few aspects contribute to the division of property. 

Key considerations for a valid prenuptial agreement

You hope for a lasting marriage, but that may not be an option. When some individuals think of a prenuptial agreement, they think they are planning the end before it begins. However, this is not the case.

A well-crafted prenup helps to protect both parties and to encourage an amicable separation during divorce proceedings. When constructing this agreement, there are a few things to consider.

Understanding Pennsylvania's inheritance tax

You want to make sure your loved ones are taken care of even after you are gone. A proper estate plan is a great way to ensure the individuals you designate receive set portions of your estate. 

In the state of Pennsylvania, your survivors will face an inheritance tax. Knowing how these taxes work may help you in your planning decisions.

Can you keep your home if you file for bankruptcy?

Bankruptcy is an effective solution to insurmountable debt for many people, but it is a common misconception that filing means you will lose everything you have to your name. On the contrary, filing for bankruptcy can help you retain some assets and get your debt under control. Understandably, you may be most concerned with whether or not you can keep your home when you file for bankruptcy.

Various factors determine the answer to this question. According to the Huffington Post, there are a number of benefits that bankruptcy may provide, and keeping your home may be one of them. Read on to learn whether or not you will be able to keep your home if you file.

Different ways to divorce in Pennsylvania

You know you want a divorce, but do you know how you want to get the divorce? There is more than one way to do it in Pennsylvania, and understanding each type can help you know which approach is best for your situation.

Remember that regardless of the route you choose, you should have a family law attorney guide you through the process to save time and money and to reduce conflict.

Do you need to change custody arrangements for your child?

Circumstances change in life, and even if you feel your divorce agreement covered all the bases, you may need to modify it. Child custody is one of the issues that most often comes up.

The requested change could be due to a matter that involves either you or your ex, or the need for modification might involve your child directly.

Myth: Estate planning is only for older people

When you picture a couple going into a lawyer’s office to discuss estate planning, what image springs to mind? Perhaps the couple is silver-haired, retired or close to retirement. That makes sense, as estate planning is extremely important for that demographic.

However, estate planning is also important for people at other points in their lives, even single people and married couples in their 20s.

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

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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Harrisburg, PA 17106