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Philadelphia Bankruptcy
Attorneys

Bankruptcy ● Debt Defense ● Debt Settlement
Foreclosure Defense ● Litigation

No Judgment. Just Solutions.

OVERWHELMED BY DEBT?
YOU HAVE
‍LEGAL OPTIONS
Philadelphia Bankruptcy &
Debt Resolution Attorneys

Debt Dispute?
Act Now
Philadelphia Bankruptcy &
Debt Resolution Attorneys

FREE CASE EVALUATION ● PAYMENT PLANS

BankruptcyDebt DefenseDebt SettlementForeclosureCivil LitigationLearn More
No Judgment
Just solutions
Philadelphia Bankruptcy & Debt Relief Attorneys
No Judgment
Just solutions
Philadelphia Bankruptcy & Debt Relief Attorneys
No Judgment
Just solutions
Philadelphia Bankruptcy & Debt Relief Attorneys
No Judgment
Just solutions
Philadelphia Bankruptcy & Debt Relief Attorneys

TRUSTED PHILADLEPHIA BANKRUPTCY ATTORNEYS

Are you struggling to pay your bills? Facing creditor harassment, lawsuits,
foreclosure, or repossession? There is a solution. Call our Philadelphia
bankruptcy attorneys and debt relief lawyers for your legal options. Initial
consultations are free and confidential.

Solving difficult financial problems is what we do. We will listen to you and
help you find the solution that best fits your situation, whether it is Chapter
7 bankruptcy, Chapter 13 bankruptcy, debt settlement, debt defense, mortgage
modification, foreclosure defense, or something else. We will fight for you
inside and outside of a courtroom.

We serve all of Philadelphia and other Pennsylvania counties, including
Montgomery, Delaware, Chester, Bucks, Berks, Lancaster, Lehigh, and Northampton
Counties. Feel free to browse the information on our website, blog, and FAQs and
ask us questions. Or call us at 215-248-0989 to speak to an attorney. We're here
to help.

Are you struggling to pay your bills? Facing creditor harassment, lawsuits,
foreclosure, or repossession? There is a solution, and we can help you find it.
Call our Philadelphia area bankruptcy and debt relief attorneys for your legal
options. Initial consultations are free and confidential.

Feeling overwhelmed? Solving difficult financial problems is what we do. We will
listen to you and help you find the solutions that best fit your situation,
whether it is Chapter 7 bankruptcy, Chapter 13 bankruptcy, debt settlement,
debtor defense, mortgage modification, foreclosure defense, or something else.

We serve all of Philadelphia, Montgomery, Delaware, Chester, Bucks, Berks,
Lancaster, Lehigh, and Northampton Counties in Pennsylvania. Feel free to browse
the information on our website, blog, and FAQs and ask us questions. We're here
to help.

NEED
ANSWERS?
Call
215-248-0989

SCHEDULE YOUR FREE DEBT
CONSULTATION WITH US NOW

NEED
ANSWERS?
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215-248-0989

SCHEDULE YOUR FREE DEBT
CONSULTATION WITH US NOW

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Contact Us

LATEST NEWS AND MESSAGES

Harborstone Law

5/30/2024

Are you struggling to correct false information on your credit report? Under the
Fair Credit Reporting Act (FCRA) you may be entitled to compensation from the
creditor and the credit reporting agency for false credit reporting. For more
information, read our FCRA page and our new blog post: "How to File A Fair
Credit Reporting Act Lawsuit in Pennsylvania."

Harborstone Law

5/21/2024

Life happens, and sometimes an individual may have to file for bankruptcy more
than once. Although the Bankruptcy Code sets out when you can refile, the rules
can be confusing. For more information, please see our new blog post, How Often
Can You File For Bankruptcy?

Dan Mueller, Esq.

5/3/2024

It is a common myth that income taxes are not dischargeable in bankruptcy.
Although it is true that most taxes are not dischargeable, certain federal,
state, an local income taxes are an exception. For more on discharging income
taxes, see the updates to our popular post, "You Can Discharge Income Taxes in
Bankruptcy."

Daniel Mueller, Esq.

11/20/2023

The Department of Veterans Affairs (VA) has asked mortgage servicers to pause
foreclosures on VA-guaranteed loans. The pause will last until until May 31,
2024. In addition, the VA is extending some mortgage assistance programs set to
expire.

Daniel Mueller, Esq.

8/11/2023

BEWARE OF POST-BANKRUPTCY SCAMS

Recently, scammers have attempted to get people who filed for bankruptcy to pay
discharged debts, sometimes impersonating attorneys. If someone calls asking for
additional funds after your discharge, contact your attorney.

https://www.bankruptcylawyerpa.com/posts/common-bankruptcy-and-debt-collections-scams

Daniel Mueller, Esq.

7/24/2023

Facing foreclosure? Don't lose hope! Chapter 13 bankruptcy is a potential
lifeline to save your home. Learn how this legal solution can help you
restructure debts, protect property, and regain control of your financial
future.

https://www.bankruptcylawyerpa.com/posts/chapter-13-bankruptcy-can-save-your-home-from-foreclosure

Daniel Mueller, Esq.

6/24/2023

The Department of Education has agreed to cancel over $6 billion in student
loans for students defrauded by for-profit colleges. The agreement, if approved,
will settle ongoing litigation. Click on the link below to see the schools
involved:

https://int.nyt.com/data/documenttools/borrower-defense-schools-approved-in-sweet-settlement/3206b95c400d3b5c/full.pdf

Daniel Mueller, Esq.

5/2/2022

Check out our answers to bankruptcy, debt, and consumer law questions on AVVO.
Over the years we have answered hundreds of questions ranging from dealing with
collections, lawsuits, and foreclosures to common and complex bankruptcy topics.

https://www.avvo.com/attorneys/19118-pa-daniel-mueller-26481.html

Daniel Mueller, Esq.

4/7/2022

The Department of Education has extended the current pause/moratorium on
government-backed student loan payments, interest, and collections through
August 31, 2022.

https://www.ed.gov/news/press-releases/biden-harris-administration-extends-student-loan-pause-through-august-31

Daniel Mueller, Esq.

1/14/2022

Student loan processor Navient has agreed to cancel $1.7 billion in student loan
debt as settlement of a predatory lending suit. We are reviewing the settlement
to see if and how it offers relief to our clients with Navient loans.

https://www.nytimes.com/2022/01/13/business/navient-student-loans.html

Daniel Mueller, Esq.

12/9/2014

My answer to: What recourse do I have if a debt collection firm is not honoring
my settlement agreement http://rpx.me/1/NHLw

WHAT IS YOUR MAIN FINANCIAL CONCERN?

As Philadlephia bankruptcy and debt lawyers, we help our clients end debt
collector harassment, stop foreclosures or sheriff's sales, eliminate or
restructure consumer debts, discharge or restructure back taxes and penalties,
get rid of business and medical debt, and deal with other financial issues. To
learn more, click any of the buttons below:

DEBT COLLECTOR HARASSMENT

Find out how to deal with creditor harassment, calls, letter, and lawsuits.

CREDIT CARD DEBTS AND LOANS

Learn how to get rid of most or all of your consumer debt.

FORECLOSURE AND REPOSSESSION

See options to save your house or car, and even stop a sheriff's sale.

MEDICAL DEBT

Learn about discharging medical debt in bankruptcy and other options.

TAX DEBT

Find out what it takes to eliminate or restructure your tax debt.

BUSINESS DEBT

See if you can discharge or restructure your business debt.

WHAT OUR CLIENTS SAY ABOUT US

Our bankruptcy attorneys get results by providing our Philadlephia Area clients
with options tailored to their unique situations. Just as important, we are
responsive and dedicated to keeping our clients informed throughout the legal
process. See what our clients have been saying about us for years.

MELISSA

> When I hired Daniel Mueller as my Attorney, I was very nervous and concerned
> about the whole bankruptcy process. Mr. Mueller not only put me at ease, he
> also explained, in detail, what would happen during a Chapter 7 Bankruptcy,
> provided me with lists to follow and check off as I gathered the necessary
> documents, and was always available to answer any of my questions and shepherd
> me through the entire process.
>
> He is an excellent and very knowledgeable lawyer and a very compassionate
> man. Reviewed on AVVO.

MEG

> Dan was an incredibly helpful, supportive, clear and effective attorney. He
> worked closely with me on my behalf and was attentive and responsible in terms
> of communication and in terms of advocacy.
>
> After many years of financial stress, Dan's help made it possible for me to
> move forward. Reviewed on Google

TOM

> My phone call to attorney Dan Mueller may have been the most important phone
> call of my life. I was encountering innumerable debt collectors who had NO
> hesitation in lying to me, and had I acted on their instructions, I would have
> suffered a great deal. Dan met with me and gave me the professional guidance
> that I needed.
>
> He's a good man, but just as importantly, he knows what he is doing and he
> will protect you from ruthless debt vultures! Reviewed on Facebook.

SEAN

> Professional and Patient. Dan Mueller was very understanding about my
> financial situation and extremely patient while explaining the bankruptcy
> process. He took the time to go over every aspect and emailed updates
> throughout the process - I never felt hurried or like I didn’t understand the
> how things were progressing.
>
> His service fee quote was clear, fair, it never changed, and Dan performed all
> the aspects as promised. And probably the most remarkable aspect of working
> with Dan was that I never felt embarrassed or self-conscious because of my
> financial situation – instead, it was a positive experience that was more
> about setting a positive course for the future. Reviewed on AVVO.

VETERAN

> Dan has all the qualities expected of a great attorney, and he is a true
> bankruptcy expert.
>
> Dan helped navigate the Chapter 7 process and explained all my legal options.
> The client/attorney relationship was comfortable from the first consultation
> through the discharge. Dan is a godsend for this Veteran! Reviewed on AVVO.

KRISSI

> Dan Mueller is very professional and prompt. He is courteous and patient. He
> explains the entire process very thoroughly every step of the way.
>
> There is no better attorney to go through stressful financial times with.
> Thanks Dan! Reviewed on Google.

MEG

VETERAN

KRISSI

OUR PRACTICE AREAS

CHAPTER 7 BANKRUPTCY

GET A FRESH START.

Chapter 7 bankruptcy offers a fresh financial start. In Chapter 7 you can:

* Eliminate most debts, including credit cards, personal and payday loans,
medical bills, utility bills, judgments, mortgage deficiencies, some taxes,
and more.
* Keep your property, including cars, household goods, retirement funds,
earnings, and often your home.
* Stop lawsuits, debt collection, repossession, foreclosure, bank levies,
garnishments, and utility shutoffs.

>>More on Chapter 7 bankruptcy.

CHAPTER 13 BANKRUPTCY

SAVE YOUR HOME, CAR, OR BUSINESS.

Chapter 13 bankruptcy restructures debts. In Chapter 13 you can:

* Save your home from foreclosure.
* Save a vehicle or other property from repossession.
* Save money on interest, fees, and penalties.
* Stretch out payments on car loans and other secured debt.
* Discharge some or most of your unsecured debt.
* Discharge or restructure back taxes.
* File for bankruptcy when your income is too high for Chapter 7.

>>More on Chapter 13 bankruptcy.

DEBT SETTLEMENT

MAYBE AVOID BANKRUPTCY.

In debt settlement (or debt negotiation), an attorney negotiates with your
creditors so you can:

* Resolve debts for significantly less than the balance.
* Remove judgments and liens.
* Secure better repayment terms.
* Avoid bankruptcy.

Unlike many "credit counseling" and debt settlement companies, we will help you
determine if a settlement is in your best interest and make sure you understand
the alternatives.

>>More on Debt Settlement.

OTHER NON-BANKRUPTCY DEBT SOLUTIONS

We provide a range of solutions to fit your financial situation, including:

‍Debtor Defense - Fight collection lawsuits by creditors and debt collectors.
Foreclosure Defense - Fight your foreclosure and hold lenders accountable for
their mistakes.
Mortgage Modification - Change the terms of your mortgage to clear arrearages
and modify your payment.
‍Business Debt Defense - Defend against unreasonable creditors harassing you or
your business.

CIVIL LITIGATION
‍

Effective and aggressive representation in civil litigation matters, including:
‍
Financial and Debt Litigation - Personal and business financial disputes.
‍Real Estate Litigation - Residential and commercial real estate disputes.
Insurance Bad Faith - Wrongful claim denials.
‍Personal Injury - Obtain compensation for injuries from vehicle accidents,
premises liability, medical malpractice, products liability, and
other.incidents.

CONSUMER PROTECTION LAW
& OTHER PRACTICE AREAS

Consumer protection laws can help you fight back against financial abuse:

‍Fair Debt Collection Practices Act (FDCPA) - Sue abusive debt collectors.Fair
Credit Reporting Act (FCRA) - Make creditors pay for false credit
reporting.Service Members Relief Act (SMRA) - Protections for those who serve.
Financial and Other Consumer Fraud - Make consumer fraudsters pay.
Criminal Defense - When bad things happen to good people.

COMMON QUESTIONS

WHAT ARE THE SIGNS THAT I SHOULD CONSIDER BANKRUPTCY OR A BANKRUPTCY
ALTERNATIVE?

You may wish to review your financial situation with a bankruptcy attorney if
you are experiencing any of the following:

* Falling behind on home or car payments or paying on “the last day”
* Making minimum credit card payments
* Paying one card with another
* Purchasing necessities, such as food and medicine, with credit cards
* Having little or no savings
* The sudden termination of a credit card or credit line (or a jump in the
interest rate)
* Lack of health insurance or other necessary insurance coverage
* Financial concerns are beginning to affect your health, work, and family
relationships

A good bankruptcy attorney will review all of your options with you, such as
debt settlement, debtor defense, mortgage foreclosure defense, and mortgage
modification, not just bankruptcy. In fact, a visit to an experienced bankruptcy
attorney may help you avoid bankruptcy, if there are viable alternatives. If you
do need to file for bankruptcy, your attorney should thoroughly explain the
chapters of bankruptcy available to you and the pros and cons of each. >>More

‍

CAN CHAPTER 13 HELP ME, IF I AM BEHIND ON MY HOUSE OR CAR PAYMENTS?

If you are behind on your house or car payments, Chapter 13 allows you to pay
back the missed payments over time (typically 36 to 60 months). As long as you
have sufficient income to make your current house or car payments as they come
due and make the Chapter 13 plan payments, Chapter 13 can enable you to keep
your property.

Example 1: Let’s say that John and Marie’s mortgage payment is $1,000 per month,
and they are 8 months behind on their payments. How do they get caught up on the
$8,000 in back payments? If John and Mary file for Chapter 13 bankruptcy, they
can pay the arrearage over time through the Chapter 13 bankruptcy plan over 36
to 60 months. In the meantime, they will begin making their regular mortgage
payment to the bank as if they were current. This will enable them to keep their
house.

Example 2: Let’s say Bob owns a car that is worth $20,000, but he owes $17,000
on his auto loan. Bob is 5 months behind on his auto payments of $300 per month,
leaving him with an arrearage of $1,500. If Bob files for Chapter 13, and begins
making his regular car payment, he can pay back the $1,500 through the Chapter
13 plan.

Quick Note: In Chapter 13 cases in the Eastern District of Pennsylvania, you
continue to make your house payments directly to the lender. However, your car
payments may be made through the plan. You may even be able to reduce the
balance, interest, and payment on your car loan or some other secured loans
through a bankruptcy cramdown. >>More

CAN I KEEP MY HOUSE OR CAR IF I FILE FOR CHAPTER 7 BANKRUPTCY?

In most cases, the answer is yes. In Chapter 7 cases, it depends largely on how
much equity you have in your home or vehicle. (Equity is the difference between
what you owe on an item and what it is worth.) For the most part, if (1) the
equity in your house or auto is not more than the exemption for that type of
property, and (2) you are current on your payments, you can keep it. (If you are
behind on your home or car payments, you may need to consider Chapter 13.)

Example 1: Bob and Mary are married and own a home in Montgomery County worth
$140,000. They owe $100,000 on the mortgage loan. After subtracting the value of
the home ($140,000) from the amount they owe ($100,000), they have $40,000 in
equity in their house. The current federal exemption for equity in a home is
$50,300 for a married couple ($25,150 for an individual). Because the amount of
Bob and Mary’s equity ($40,000) is less than the exemption of $50,300, John and
Mary can exempt all of the equity in their home. Thus, as long as Bob and Mary
are current on the payments at the time of filing and continue to make payments
during and after their bankruptcy, they can keep the home.

Example 2: Jane owns a car that is worth $12,000. She owes $10,000 on an auto
loan, leaving her with $2,000 in equity in the car ($12,000 minus the $10,000
loan). There is an exemption of $4,000 for motor vehicles. Because her equity
($2,000) is less than the available exemption ($3,450), Jane’s equity in the
vehicle is exempt. As long as Jane is current on her auto loan payment and
continues to pay on time, she can keep the car. Some auto lenders require a
“reaffirmation agreement,” which we will discuss elsewhere.

‍

HOW WILL BANKRUPTCY AFFECT MY CREDIT?

For most people considering bankruptcy, their credit is severely damaged
already. If that is the case, bankruptcy may not make much difference in your
credit rating in the short-run. However, in the long-run, bankruptcy can be the
first step to rebuliding a solid credit ratiing and better financial future.

A Chapter 7 bankruptcy remains on your credit for up to ten years, and Chapter
13 reamins for 7 years. The time runs from the date you file your bankruptcy
case. However, that does not mean that you will not be able to reestablish your
credit for ten years.

Because you discharged debts that you could no longer pay, you are in a better
position to rebuild your credit than if you could not meet your payments. From a
lender’s perspective, a customer with a lower debt load is more attractive than
a customer who is maxed out and paying late. For that reason, many debtors have
impoved their credit ratings enough to obtain a mortgage within two to three
years of filing, if they have taken the steps necessary to reestablish their
credit. Auto loans are usually available much sooner.

We make a point of providing our clients with the information they need to
rebuld their credit after bankruptcy. For more on life after bankruptcy, see our
post: Bankruptcy and Beyond. >>More

SHOULD I NEGOTIATE A SETTLEMENT WITH MY CREDITORS?

Debt settlement can be a good option for resolving debts, including judgments.
Many creditors will negotiate lump-sum settlements of debts or, in some cases,
payment arrangements.

However, negotiating with creditors or debt collectors without the asistance of
an attorney can be costly. Often, an attorney can help you reach a much better
settlement than you could reach on your own. However, debt settlement can have
tax and other financial consequences.

It is important to explore all of your options before committing to debt
settlement. At the least, before entering into negotiations with a creditor over
any significant debt, be sure to speak to an with an experienced debt settlement
attorney. >>More

‍

CAN A CREDITOR OR DEBT COLLECTOR HARASS ME TO TRY TO COLLECT A DEBT?

Regardless of whether a creditor has a judgment or not, there are limits to what
it can do to collect a debt. The actions of debt collectors are limited by the
federal Fair Debt Collection Practices Act(“FDCPA”), the Pennsylvania Fair
Credit Extension Uniformity Act (“PFCEUA”), and other consumer laws. Common
acts, such as impersonating an attorney or law enforcement officer, threatening
arrest, calling in the middle of the night, etc., are forbidden.

Likewise, providing false information about a debtor’s accounts to the credit
bureau is a violation of the Fair Credit Reporting Act (“FCRA”). Violations of
any of these acts can result in the debtor paying you damages and your
attorney’s fees.

More Frequently Asked Questions
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BANKRUPTCY & DEBT LAW NEWS

HOW TO FILE A FAIR CREDIT REPORTING ACT (FCRA) LAWSUIT IN PENNSYLVANIA

Our Philadelphia FCRA attorneys explain how to use the Fair Credit Reporting Act
(FCRA) to correct and receive compensation for credit reporting errors.

HOW OFTEN CAN YOU FILE FOR CHAPTER 7 AND CHAPTER 13 BANKRUPTCY?

Although there is no general restriction on how many times you can file for
bankruptcy, statutory waiting periods apply if you received a discharge in a
prior case. These waiting periods depend on the Chapters filed, and there are
some exceptions. However, if the prior case was dismissed without a discharge,
the statutory waiting periods do not apply, although you may have to wait for a
while under some circumstances.

COMMON BANKRUPTCY AND DEBT COLLECTIONS SCAMS

In recent years, we have seen a dramatic rise in scams involving bankruptcy and
debt collection. With more personal information available online, many of these
scammers can be quite convincing. Worse, it is not unusual for scammers to
impersonate lawyers, courts, attorneys, and government officials. Here are some
of the more common scams and ways to protect yourself from them.

CHAPTER 13 BANKRUPTCY CAN SAVE YOUR HOME FROM FORECLOSURE

By leveraging the benefits of Chapter 13 bankruptcy, Pennsylvania homeowners can
halt or prevent foreclosure, catch up on back payments, and keep their homes.
For struggling homeowners, Chapter 13 can not only help save their property but
also chart a path toward financial stability.

HOW LONG CAN NEGATIVE INFORMATION REMAIN ON YOUR CREDIT REPORT?

Our Pennsylvania debt attorneys discuss time limits for reporting negative
information on a credit report under the FCRA. Most negative information must be
removed after 7 years, but there are exceptions for bankruptcy and certain other
debts.

PENNSYLVANIA FORECLOSURE AND EVICTION DURING THE COVID 19 CRISIS

Our attorneys discuss Pennsylvania foreclosure and eviction options during Covid
19, including eviction and foreclosure moratoriums and mortgage forbearances.

HOW TO FILE A FAIR CREDIT REPORTING ACT (FCRA) LAWSUIT IN PENNSYLVANIA

Our Philadelphia FCRA attorneys explain how to use the Fair Credit Reporting Act
(FCRA) to correct and receive compensation for credit reporting errors.

HOW OFTEN CAN YOU FILE FOR CHAPTER 7 AND CHAPTER 13 BANKRUPTCY?

HOW TO FILE A FAIR CREDIT REPORTING ACT (FCRA) LAWSUIT IN PENNSYLVANIA

Our Philadelphia FCRA attorneys explain how to use the Fair Credit Reporting Act
(FCRA) to correct and receive compensation for credit reporting errors.

COMMON BANKRUPTCY AND DEBT COLLECTIONS SCAMS

CHAPTER 13 BANKRUPTCY CAN SAVE YOUR HOME FROM FORECLOSURE

HOW LONG CAN NEGATIVE INFORMATION REMAIN ON YOUR CREDIT REPORT?

PENNSYLVANIA FORECLOSURE AND EVICTION DURING THE COVID 19 CRISIS

Our attorneys discuss Pennsylvania foreclosure and eviction options during Covid
19, including eviction and foreclosure moratoriums and mortgage forbearances.

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