a
Bankruptcy Lawyer, Scranton PA

Live Life Debt-Free

Talk to a bankruptcy lawyer in Scranton, PA about your situation

Are you being hounded by creditor calls and past-due notices? You have options. The Law Office of Anne Marie Howells in Scranton, PA can provide the legal guidance you need to file for bankruptcy and get out of debt.

There are many myths and uncertainties surrounding bankruptcy law. For example, many people believe that if they're unemployed, they won't qualify. However, under Pennsylvania law, you could qualify for Chapter 7 bankruptcy if you've lost your job.

Another mistake many people make is emptying all of their accounts and liquidating their investments. You don't have to give up your 401(k) or any of your other assets to stop creditor harassment. You should always consult a bankruptcy lawyer before you make any big decisions about your financial future.

Schedule your free consultation with attorney Anne Marie Howells by calling 570-344-1088 now.

Understanding your bankruptcy options

When you're facing insurmountable debt, bankruptcy is a way out. However, filing for bankruptcy doesn't look the same for everyone. A bankruptcy lawyer can help you navigate the different types of bankruptcy and decide which one best fits your situation.

Meet with attorney Anne Marie Howells to learn more about:

  • Chapter 7 bankruptcy - by filing for Chapter 7 bankruptcy, you could liquidate some or all of your debt.
  • Chapter 13 bankruptcy - through Chapter 13 bankruptcy, you'll work with your creditors to design a feasible repayment plan to satisfy your debts.
  • Chapter 11 bankruptcy - if you qualify for Chapter 11 bankruptcy as a business owner, you can reorganize your business debts and assets.

Attorney Howells can also help you find out if you qualify for one of these less common forms of bankruptcy:
  • Chapter 9 bankruptcy - for financially distressed municipalities
  • Chapter 12 bankruptcy - for family farmers or fishers
  • Chapter 15 bankruptcy - for bankruptcy cases involving more than one country

Debt doesn't have to feel like a dead end. Explore your bankruptcy options with help from a trusted bankruptcy law attorney. Get in touch with the Law Office of Anne Marie Howells right away.

Possible exemptions when filing chapter 7 bankruptcy

When settling debt through chapter 7 bankruptcy, you surrender most of your assets for liquidation in order to pay back a portion of your debt. While the forfeiture of some assets is non-negotiable, you may be entitled to keep most of your assets.

Call to speak with a Scranton, PA, bankruptcy attorney about the possible exemptions when filing chapter 7 bankruptcy in Pennsylvania, which may include:

  • A portion of your home's equity
  • Personal property such as clothes and school books
  • Pensions and private retirement benefits
  • Insurance annuities up to $100 a month
  • Worker's compensation and unemployment compensation
  • Veteran's benefits

Bankruptcy does not discharge all debts

Though chapter 7 bankruptcy is an effective means of achieving much needed debt relief, it will not discharge all types of debt. Call today to learn more about the non-dischargeable debts of chapter 7 bankruptcy in Pennsylvania.

Non-dischargeable debts may include:

  • Back child support and alimony
  • Restitution for injury/death caused by DUI accidents
  • Student loans
  • Recent income tax debts
  • Fines and fees incurred for violating the law
  • Debts incurred through fraud
  • Credit purchases of luxury goods within 60 days of filing
  • Debts owed under a divorce decree

Bankruptcy isn't something to be avoided at all costs

Bankruptcy isn't something to be avoided at all costs

Bankruptcy and family law in Scranton, PA

Many people try to avoid bankruptcy at all costs, even if those costs involve family. Don't let the financial stresses of debt strain your marriage to the point of divorce. You and your spouse can get financial relief from seemingly insurmountable debt. Call The Law Office of Anne Marie Howells today to speak with an attorney who is experienced with bankruptcy law and understands the effect it can have on families.

Still have questions?

Request a Free Consultation

  • The Law Office of Anne Marie Howells

    307 W Market St. Suite 1
    Scranton, Pennslyvania 18508

    GET DIRECTIONS


    Call Us
    Phone: 570-344-1088

    Hours
    Mon: 9:00AM-4:30PM
    Tue: 9:00AM-4:30PM
    Wed: 9:00AM-4:30PM
    Thu: 9:00AM-4:30PM
    Fri: 9:00AM-4:30PM
    Sat: By Appointment
    Sun: By Appointment