Blog & Resources
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RQP Blog – Legal Resources for PA Residents
At RQP Law, our goal is to keep our clients and local community aware of the latest information regarding bankruptcy law, social security law, estate planning, and estate administration. We hope you can find the answers you’re looking for, and if you can’t, please feel free to utilize our 24/7 live chat or schedule a meeting with our team.
What is Chapter 7 Bankruptcy?
Maybe you are reaching out to us because you are overwhelmed and stressed out over your creditors harassing you. Maybe...
What is a Chapter 13 Bankruptcy?
You might be reading this because you are facing a mortgage foreclosure. Or, maybe you have a steady job with a steady...
Economic Realties Of Chester County PA Foreclosures
In Pennsylvania, Chester County ranks first in average household income and first in average home price. By looking at those stats alone, you would assume there were little to no foreclosures in that county. However, a quick look at the January 2015 sheriff sale list tells a different story; approximately 50+ pages of foreclosures. I […]
Landlord – Tenant Law Update | Berks, Montgomery, & Chester County PA.
I Can’t Pay My Rent! The recent housing crisis hit Montgomery, Chester, and Berks counties hard. Many former homeowners in Pottstown, Birdsboro, Phoenixville, and other surrounding towns have become renters. Many of these rental units are not licensed. According to a January 2015 article in the Mercury newspaper, over 50% of the rental units in […]
Economic Realities of Montgomery and Berks County Foreclosures
Areas like Pottstown and Reading, Pa. have hit hard times economically, and it has a direct effect on the number of foreclosures listed in those areas. In 2011, Reading had the largest percentage of residents living in poverty in the United States. Things have not gotten much better for the area struggling to find new […]
Protecting Animals in Bankruptcy
Let’s face it – a lot of people are facing economic difficulties today. Even though the employment rate has gone down significantly since 2009, the wage rate has not increased as rapidly as inflation. This squeeze in discretionary income has forced many people to look towards bankruptcy as a way of absolving their debts. When […]
Protecting Your Vehicle in Bankruptcy
In the suburbs of a large city, such as Philadelphia, most people need a car. Most areas in Chester, Montgomery, and Berks County have subpar public transportation, and losing your means of transportation affects your ability to maintain employment or complete basic everyday activities like grocery shopping, going to doctor’s appointments, and transporting your children. […]
High Incomes in Chester and Montgomery Counties Can Cause Dangerous Tax Debt
Almost everyone has heard about wealthy individuals and celebrities filing for bankruptcy, which is frequently a result of immense tax debt. These tax burdens are not limited to celebrities and multi-millionaires; these problems affect the upper-middle class more than anyone. People who are shackled down by tax debt are often people who make a good […]
Alternative Options to Getting Rid of House in Berks and Montgomery County
How To Eliminate Your Mortgage Burden Using Deed In Lieu Of Chapter 7 Bankruptcy If you conduct a home search on Zillow, you can see all of the houses for sale in any specific area. A quick search of Birdsboro, Douglassville, Gilbertsville, and Boyertown shows a large number of houses for sale in a concentrated […]
Are Taxes Dischargeable In Bankruptcy?
The internet is littered with false information regarding discharging taxes through bankruptcy. It is very important that a qualified bankruptcy attorney properly advises you on the specifics of discharging your taxes. This is a complicated area of the law that requires a very specific analysis of the type of taxes, age of the taxes, date […]
I Have A Second Mortgage That I Can’t Pay.
The real estate bubble in the mid-2000s created a unique situation where many homes were worth less than the combined mortgage balances. Home equity loans were considered mortgages for the purpose of this article. This lack of equity in the home is known as being “underwater”. If you are underwater, you are trapped in your […]
I Cannot Pay My Student Loans!
Student loans are a major problem that continues to worsen. Because of the willingness of lenders to underwrite excessive amounts of student loan debt and the willingness of the federal government to insure these loans, the cost of education continues to increase without limits because the flow of borrowed money to schools continues to increase. […]