debt lawyer and bankruptcy law Johnstown, PA

Both a Chapter 7 and Chapter 13 Bankruptcy can erase credit card debt. There is no minimum or limit you need to file. If you have high interest and only make the minimum payment, it will take you over 60 years to pay off the balance which is a lifetime. Take that burden off of your back and get a fresh start, erase your debts with The Debt Erasers. Bankruptcy law in Johnstown bankruptcy attorney.

Bankruptcy can erase home foreclosure in Johnstown. A Chapter 13 Bankruptcy can erase a foreclosure of your home or real estate. You are allowed to pay the arrears (missed payments, late fees, etc.) through a Chapter 13 Plan at 0% interest with no late fees or charges.

A Chapter 13 Bankruptcy can stop a repossession of a vehicle. You are allowed to change the terms of a vehicle and cure the arrears in a Chapter 13 Plan. You can lower the monthly payment and interest on your vehicle in a Chapter 13 Plan. For example: If you owe $10,000.00 on a vehicle, the new car payment in a Chapter 13 Plan would be approximately $180.00 per month.

A Judgment in Pennsylvania is good for five years and can be renewed. A judgment automatically attaches to real estate in the county where the judgment is docketed. Judgments can levy on personal property including bank accounts. A bankruptcy can make a judgment null and void or stop the attachment/garnishment process.

A bankruptcy can stop a utility shutoff in Johnstown and/or get the utility turned back on through the bankruptcy process. The past due balance of a utility bill can be included in a bankruptcy filing.

A Chapter 13 Bankruptcy can stop student loan collections by deferring the payments for three to five years. If your bank account has been attached or your tax return seized, the bankruptcy can also stop those attachments.