Pennsylvania residents who are faced with overwhelming consumer or medical debt may sometimes consider filing for bankruptcy as a method of obtaining some relief from these obligations. The ultimate goal is to obtain a discharge from the bankruptcy court, as the effect of a discharge releases the filer from personal liability from some of these debts. The affected creditors are also prohibited from further communications with the debtor and from instituting or continuing any form of collection activity with respect to those obligations.
Credit card debt may feel like the Ghost of Christmas Past. The purchases made on one’s credit card during the latest holiday season and at other times of the year might continue to haunt the individual for a long time. People in Pennsylvania might not know how to obtain debt relief, but they may find hope in the legal avenue of bankruptcy protection.