Our Practice Areas
Bankruptcy Help for Credit Card Debt, Foreclosures, Repossessions & More
Serving Johnstown, Clearfield, Punxsutawney & Somerset, PA
Are you overwhelmed with debt and unsure where to turn? You’re not alone—and you do have options. At our Johnstown-based law office, we help individuals and families across Clearfield, Somerset, Punxsutawney, and surrounding communities get the bankruptcy help they need to take back control of their lives.
As an experienced bankruptcy lawyer, our goal is to offer honest guidance and practical solutions for some of the most stressful financial problems people face—like credit card debt, foreclosure, repossession, judgments, utility shutoffs, and even student loan issues. We understand how difficult it is to ask for help, but speaking with a trusted bankruptcy attorney could be the first step toward peace of mind.
Credit Card Debt
Struggling with credit card debt? We help clients eliminate high-interest credit card balances through Chapter 7 or Chapter 13 bankruptcy. Whether you owe a little or a lot, there’s no minimum debt required to file. Bankruptcy can stop the cycle of minimum payments and give you a fresh financial start.
Foreclosures
Facing foreclosure? At The Debt Erasers, we help homeowners stop foreclosure and keep their homes through Chapter 13 bankruptcy, which allows you to catch up on missed mortgage payments over time—without late fees or interest. Filing bankruptcy triggers an automatic stay that halts foreclosure, even if a sheriff sale is scheduled.
Repossessions
Worried about losing your vehicle to repossession? At The Debt Erasers, we help clients stop repossession and keep their cars through Chapter 13 bankruptcy. This legal process allows you to catch up on missed payments, lower your monthly car payment, and reduce your interest rate—all while protecting your vehicle from being taken. Even if your car has already been repossessed, you may still be able to get it back if you act quickly.
Judgments
If you’re facing a court judgment, wage garnishment, or bank account levy, The Debt Erasers can help. A judgment in Pennsylvania can last for years and attach to your property, but filing Chapter 7 or Chapter 13 bankruptcy can stop collection efforts and, in many cases, eliminate the judgment entirely. Bankruptcy halts garnishments, removes liens, and protects your assets—giving you a fresh financial start.
Utility Shutoff
If you’re facing a utility shutoff, or have already lost services like electricity, gas, or water, bankruptcy can help stop the disconnection and even restore service. By filing Chapter 7 or Chapter 13 bankruptcy, you can erase past-due utility bills and protect yourself from future shutoffs.
Student Loans
If you’re overwhelmed by student loan collections, filing Chapter 13 bankruptcy can pause your payments for 3 to 5 years and stop wage garnishments, bank levies, and tax refund seizures. While bankruptcy doesn’t typically erase student loan debt, it gives you critical breathing room and legal protection from aggressive collectors.
Help Is Closer Than You Think
Johnstown Office
319 Washington Street, Suite 238
Johnstown, PA 15901
814-536-7470
Clearfield Office
301 E. Pine Street
Clearfield, PA 16830
814-765-2699
Somerset Office
118 South Kimberly Street, Suite 30
Somerset, PA 15501
814-536-7470
Punxsutawney Office
103 North Gilpin Street, Suite 307
Punxsutawney, PA 15767
814-765-2699