Bryan P. Keenan & Associates, P.C.
Free, Fresh-Start Consultation 412-923-4941

Providing The Advice And Options You Need To Overcome Financial Problems And Move Forward

A bankruptcy attorney who cares about you and your future. Don't let debt problems disrupt and define your life.

Bryan P. Keenan

Bankruptcy and debt relief options

When you are overwhelmed by debt in Pennsylvania, you may be searching for an option for debt relief. Many people find themselves in positions in which they need a fresh financial start. You might be behind on your mortgage payments, have ballooning credit card and medical debt or may owe the IRS taxes. Regardless, there are ways you can address the problems and take care of your financial problems.

Bankruptcy is appropriate for some people. For individual filers, the options include Chapter 7 or Chapter 13. If you meet eligibility requirements, filing a petition under Chapter 7 may be appropriate. With a Chapter 7 bankruptcy, you will first need to meet the means test, which is a guideline used to determine whether your income falls within allowable limits under the chapter. If you choose Chapter 7, your unsecured debts will be discharged at the close of your bankruptcy case. Certain types of debts, however, may not be discharged, and some of your property may be liquidated to pay some of your creditors.

If you are behind on your mortgage and tax payments, Chapter 13 bankruptcy may be a good option for you. Under the chapter, you will be required to establish a repayment plan lasting between three and five years. The additional time can allow you to catch up on your delinquent mortgage and tax payments while also paying towards your other debts. Remaining unsecured debts will be discharged upon plan completion.

Our firm understands that many people are financially overwhelmed. We help our clients solve their financial problems and have gathered information regarding the different options on our Bankruptcy 101 page. If you have questions about your options, you may be able to find some answers there.

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Bryan P. Keenan & Associates, P.C.

993 Greentree Road
Suite 101
Pittsburgh, PA 15220

Phone: 412-923-4941
Fax: 412-444-0158
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