Bankruptcy
Chapter 13
Chapter 7
Stop Creditor Harassment
Stop Foreclosure
Stop Repossession

WHY PACHTMAN LAW OFFICE SHOULD BE YOUR BANKRUPTCY ATTORNEYS.

Sometimes, you just can’t make ends meet.
Let us help.

Since 1984, Pachtman Law Office has been helping people with debt problems keep their homes, reduce or eliminate their debts, and ease their minds. The truth is, the vast majority of Americans who file for bankruptcy work hard to pay their bills on time, sometimes with 2 or 3 jobs, until a catastrophic event, like a divorce, a serious medical problem or the loss of a job changes everything.  A Harvard study shows that medical bills alone cause over 50% of bankruptcies nationwide.

Sometimes bankruptcy is the answer, sometimes it’s not. But many people think that under the new law you can no longer file for bankruptcy.  Not true!

YOU CAN STILL FILE FOR BANKRUPTCY

Despite what you may have heard, bankruptcy is still the law of the land, and you can  protect your assets by filing!

In 2005, Congress changed the Federal bankruptcy law under pressure from banks and credit card companies. The new bankruptcy law makes filing a lot more complicated, and most attorneys aren’t familiar with the changes.  For example, you now must have certification of credit counseling from an approved agency before you can file.

Pachtman Law Office is a debt relief agency as defined by act of Congress. If appropriate, we will help you file for bankruptcy under the Bankruptcy Code. We will guide you through this difficult time every step of the way… and get the creditors off your back. We can help you file for a Chapter 13 to set up a repayment plan or a Chapter 7 to eliminate your debts in total according to your circumstances.

Even if the sheriff sale is tomorrow, we can help!

CHAPTER 13

Chapter 13 assists honest, hardworking people who have debt problems.  It gives them an opportunity to pay off creditors by spreading their current debts over a period of 3-5 years. Chapter 13 can help you:

1. Save your home from foreclosure
2. Keep your car from being repossessed
3. Reduce your monthly payments
4. Stop creditors from harassing or even contacting you

Any past debt can be included in your plan including medical bills, credit card debt and personal loans, past due taxes, and utility bills. Past due mortgage and car loan payments can be included in the plan as well.

CHAPTER 7

In some instances, Chapter 7 may be more beneficial to resolve financial difficulties and is still available for many debtors.

CALL OR CONTACT MARC PACHTMAN, ESQUIRE TODAY TO SEE HOW THE NEW LAW CAN WORK FOR YOU!

Marc Pachtman, Esquire is a member of the National Association of Consumer Bankruptcy Attorneys

Marc Pachtman, Esq. and Pachtman Law Office serves people who are seeking assistance with debt problems, bankruptcy, chapter 7 bankruptcy, chapter 13 bankruptcy throughout the Delaware Valley, including Delaware County, Chester County, Montgomery County, Bucks County and Philadelphia, Pachtman Law Office has offices convenient to all of the following areas: Aston, Boothwyn, Brookhaven, Chester, Chester Township, Chichester, Collingdale, Crum Lynne, Darby, Eddystone, Essington, Folcroft, Folsom, Havertown, Holmes, Lansdowne, Lenni, Lower Chichester, Media, Milmont Park, Morton, Nether Providence, Parkside Manor, Norwood, Parkside, Propect Park, Ridley Park, Secane, Swarthmore, Springfield, Tinicum, Trainer, Upland, Upper Chichester, Upper Darby, Woodlyn, Philadelphia,  Center City, Old City, Society Hill, Rittenhouse Square, South Philadelphia, North Philadelphia, Northern Liberties, Girard, West Philadelphia and the surrounding suburbs.