Experienced Bankruptcy Attorney Handles Your Debt Relief Needs in Delaware and Chester Counties
Addressing your questions about Pennsylvania bankruptcy law
Backed with more than 30 years, David R. Black’s Bankruptcy Legal Group, a division of Black & Associates, P.C. in Media, Pennsylvania has represented individuals and small business owners in bankruptcy and non-bankruptcy matters in both the state and federal courts. If your phone is constantly ringing with calls from creditors and you are burdened with significant financial obligations, bankruptcy may be the best option for regaining your financial freedom.
Our team compassionately guides you through your financial hardship
At David R. Black’s Bankruptcy Legal Group, each client’s financial situation is unique. We carefully analyze your situation, and together we determine the most appropriate course of action. Our focus is on relieving your debt and stopping creditor threats, wage and bank account garnishments, repossessions, sheriff sales, and home foreclosures. Our areas of concentration include:
Chapter 7 — Chapter 7 bankruptcy provides a fresh start for individuals or businesses burdened by debt. Chapter 7 is the most common form of bankruptcy and requires an analysis of median income levels to qualify. Most clients who file for Chapter 7 will be able to retain all of their property, including their home, retirement accounts, vehicles, and other assets.
Chapter 11 — Chapter 11 is most often a form of business bankruptcy that allows a company to maintain its day-to-day business operations and restructure debt into manageable payments, but is also available for certain individuals who may not otherwise qualify for another form of bankruptcy.
Chapter 13 — Chapter 13 personal bankruptcy enables individuals with a regular income to develop a manageable payment plan they must follow faithfully for a three-to-five year period. At the end of the plan period, the court discharges the remaining debt. Chapter 13 is often an effective method for preventing home foreclosure since it allows mortgage arrears or tax debts to be paid over a period of years.
Creditor harassment — Creditors want to be paid and often overstep the law in their attempts to collect. We stop creditor harassment by filing a Chapter 7 or Chapter 13 bankruptcy, which creates an automatic stay, putting the collection agencies on notice that any future contact or correspondence with you must be directed to us, the courts, or a bankruptcy trustee. We also enforce your rights under the Fair Debt Collection Practices Act (FDCPA), so if creditors continue to harass you, you may have a legal claim against them.
Mortgage foreclosure defense — When a Pennsylvania homeowner defaults on mortgage payment, the lender can foreclose based on terms of the mortgage security agreement. We’ll help you analyze your options in dealing with a foreclosure lawsuit.
Vehicle repossessions — If you have fallen behind on your car payments, you can protect your vehicle from being repossessed by filing for bankruptcy. Contrary to popular misconceptions, filing does not speed up the repossession process.
Credit card lawsuit defense — Debt collectors can secure a judgment against you in court to ensure that they receive the money you owe. Our office will prepare an aggressive credit card lawsuit defense to protect your interests.
Loan modification — If you have been served with a foreclosure lawsuit or sued for a commercial loan default, our office guides you through the loan modification process to help you keep your home or property.
Preference action defense — The bankruptcy code permits a trustee (or a debtor in possession) to recover from creditor payments made within 90 days prior to filing for bankruptcy where the payments gave the creditor more than others in similar situations. Our bankruptcy attorneys thoroughly research and prepare a preference action defense on behalf of the vendors.
Debt relief is only a phone call away
Don’t stand for another collection phone call — contact David R. Black’s Bankruptcy Legal Group, a division of Black & Associates, P.C., at 610-566-8500 or online for a free consultation. We are available Monday through Friday, 9:00 a.m. to 5:00 p.m., and also by phone on weekends and after business hours. We serve clients throughout Chester County and Delaware County.