Chapter 13 Hardship Discharge

Filing for Chapter 13 bankruptcy requires committing to a repayment plan over the course of several years. However, life can be unpredictable, and some debtors may face circumstances that prevent them from completing or continuing with their repayment plan on time. In...

Can I File for Bankruptcy and Keep My House?

Financial situations can often lead to concerns about the protection of property. When you are struggling with debt, there are options to protect both your assets and your home. The strategy you choose to help relieve the burden of debt will depend on your financial...

Debt Consolidation in Pennsylvania: What It Is & How It Works

Debt is a financial burden that can put stress on anyone. It can also become overwhelming for those who accumulate too much. Debt consolidation offers a way to simplify and manage multiple obligations. Understanding how debt consolidation works in Pennsylvania, as...

A Guide to the Foreclosure Process in PA

Facing foreclosure can be an overwhelming experience. Having a greater understanding of how the foreclosure process works in Pennsylvania allows you to navigate it more effectively. The foreclosure process involves numerous legal steps designed to protect both...

Can I File Bankruptcy After a Civil Lawsuit Is Filed?

Pennsylvania allows individuals to file for bankruptcy even if a lawsuit is already filed against them. These lawsuits can be anything from defaulting on a loan to contract disputes. Civil lawsuits occur when someone (the plaintiff) files non-criminal legal action...

6 Reasons Bankruptcies Are Denied

Filing for bankruptcy is not an easy decision to make. When struggling financially, it may be the best option. But, the filing of a bankruptcy case does not always lead to approval. There are several factors that could put your petition at risk of a denial. In the...

What Is a Sheriff Sale?

A sheriff’s sale is a public auction in which repossessed property is sold to pay creditors on a delinquent loan.  Sheriff sales are court ordered and managed by local law enforcement. In many situations, the item being sold is real estate.  The property auctioned off...

Car Repossession Laws in Pennsylvania

Repossession Laws in Pennsylvania  Falling behind on car payments is stressful. In Pennsylvania, a lender can repossess your car if you default on a car loan. Repossession also occurs for breaching other terms of the loan, including failing to maintain car insurance,...

The Rapid Rise of Gambling Debt

For many years, Pennsylvania residents had few options to gamble without leaving the state. Sports gamblers could always seek out a neighborhood bookie and call in wagers. In more recent times, there were a few online casinos based outside of the United States that...

Social Security Disability Wait Time

Increases in Wait Times In the last eight years, the wait time for a Social Security Disability claim decision more than doubled.  According to data from Social Security’s Office of Research, Statistics and Policy, average wait time of a disability claim from...