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August 2015 Archives

Can I use bankruptcy to get out of child support payments?

For single parents in Pennsylvania, child support can be a lifesaver. The extra income may be the difference between a processed dinner or a fresh one — or even the difference between getting health care or not. But when the paying parent finds themselves unable to fulfill their child support responsibilities, they may try to file bankruptcy and avoid the payments. Unfortunately for them, child support is exempt from bankruptcy debt forgiveness in Pennsylvania.

Thousands of Pennsylvania college students default on loans

It’s a story that is all-too-common in today’s financial climate. Students head off to college with big aspirations, taking on massive student debt they believe they will be able to pay off with the jobs they get with their degrees. Once they graduate, however, they find that they job market is slow at best, forcing them to get jobs that barely cover the cost of living, much less student loans. What’s worse, filing for bankruptcy is rarely an option for student debt relief. As such, more than 25,000 Pennsylvania graduates have defaulted on their student loans.

Massive NFL salaries not necessarily immune from bankruptcy

If you live in Pittsburgh, there’s a good chance you are a Steelers fan. Some fans even idolize the larger-than-life figures that have had a “Terrible Towel” waved their way. But with the larger-than-life talent come larger-than-normal salaries. Which lead to larger-than-normal lifestyles. Which may lead to larger-than-normal debts. Which may lead to bankruptcy court.

Skip-tracing errors on unpaid bills can rise to ridiculous levels

Maybe it’s happened to you: you get a phone call trying to collect a debt you know you don’t owe. If you try to convince the collector that you don’t owe the debt or even that you aren’t the person they are trying to reach, it is usually to no avail. Even though there are laws against this type of harassment, people on the wrong end of creditors’ calls don’t often enforce them, either because they aren’t aware of them or they think it is too much trouble.

Skip-tracing errors on unpaid bills can rise to ridiculous levels

Maybe it’s happened to you: you get a phone call trying to collect a debt you know you don’t owe. If you try to convince the collector that you don’t owe the debt or even that you aren’t the person they are trying to reach, it is usually to no avail. Even though there are laws against this type of harassment, people on the wrong end of creditors’ calls don’t often enforce them, either because they aren’t aware of them or they think it is too much trouble.

Pennsylvania court tightens restrictions on creditor harassment

When financial challenges occur, the collection floodgate opens. Letters, phone calls, emails and just about any other form of communication imaginable are used to try to collect the debt. But these attempts are subject to legal restrictions. The Fair Debt Collection Practices Act is one law that protects debtors from harassing conduct by collectors as well as other collection practices that could be detrimental to the debtor.

Helping Pittsburgh consumers to achieve a fresh financial start

For the Allegheny County homeowner trying to stop foreclosure or the married couple whose high-interest-rate credit card debt has them looking desperately for a solution to their financial challenges, Chapter 13 bankruptcy might offer a solution. Financial challenges are usually accompanied by creditor harassment which makes the situation even more desperate.

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