BANKRUPTCY ATTORNEYS – CHAPTER 7 AND CHAPTER 13

Chapter 7 Bankruptcy is often referred to as a “straight,” “complete,” or “full” bankruptcy. It is typically the best option for individuals who are unable to repay their debts and are seeking a clean financial slate.

When a Chapter 7 case is filed, the person filing is usually granted a bankruptcy discharge, which eliminates most or all unsecured debts — such as credit cards, medical bills, payday loans, and more.

A Discharge is a formal Court Order that prohibits creditors from taking any further action to collect on the discharged debt. This means:

• ❌ No more collection calls
   
• ❌ No more lawsuits
   
• ❌ No more wage garnishments
   
• ✅ Peace of mind and a chance to rebuild
   

Some debts, such as student loans, recent taxes, and child support, are non-dischargeable, and some debts may be voluntarily reaffirmed (like car loans you want to keep paying).

Chapter 7 may be the right solution if:

• You have little or no disposable income
   
• You’re being sued or garnished
   
• You want to stop creditors immediately
   
• You’re ready to wipe out debt and start fresh
   

📞 Call us at 412-235-1721 or visit WesternPABankruptcy.com for a free consultation and find out if Chapter 7 is your best option.

Chapter 13 Bankruptcy — often called “Debt Consolidation” or “Reorganization” — allows you to restructure your debt and make affordable monthly payments to your creditors over a period of 3 to 5 years.

It’s designed for individuals who have steady income but have fallen behind on mortgages, car loans, taxes, or other debts they can’t pay all at once.

Chapter 13 lets you:

• Consolidate debt into one manageable monthly payment
   
• Stop foreclosure and catch up on missed mortgage payments
   
• Prevent vehicle repossession
   
• Keep valuable property that might otherwise be lost
   
• Pay back taxes or nondischargeable debt over time
   
• Protect co-signers from collection in many cases
   

Unlike Chapter 7, Chapter 13 can allow you to keep your home, your car, and other secured assets — even if you’re behind. You’ll repay part or all of your debt through a court-approved repayment plan based on your income, expenses, and what you can reasonably afford.

If you're behind on your mortgage, facing repossession, or dealing with IRS or court judgments, Chapter 13 may be your best path forward.

📲 Call 412‑235‑1721
🌐 Visit WesternPABankruptcy.com
📅 Schedule Your Free Consultation Today