Credit Card Debt Relief in Pennsylvania

No. There's no minimum debt threshold, though most clients filing for credit-card debt alone have at least $7,500–$10,000 to make the costs worthwhile.

No. Federal law requires every debt to be listed. You can voluntarily continue paying any creditor after discharge if you choose to maintain that relationship.

Most Pennsylvania filers keep their home and vehicle. We can elect federal bankruptcy exemptions, which protect a significant amount of home equity plus a vehicle, household goods, retirement accounts, and a wildcard for anything else. We walk through your assets before filing so there are no surprises.

We charge a flat attorney fee that is fully disclosed and agreed to before you engage the firm. Court filing fees and the two required credit-counseling courses are separate. Many clients pay the attorney fee in installments before filing.

Chapter 7 stays on your credit report for up to 10 years; Chapter 13 for up to 7 years. In practice most clients see their FICO score improve within 12–24 months because their debt-to-income ratio drops dramatically and they can demonstrate on-time payments on new credit.