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A Fresh Start For Your Finances

Debt Relief & Bankruptcy Representation in Southwestern Pennsylvania

Debt Relief & Bankruptcy
Experienced Bankruptcy & Debt Relief Law Firm

Alleviating Your Financial Burdens in Westmoreland County and Southwestern PA

Excessive debt can wreak havoc on your finances and peace of mind. If you need relief from your debt, the legal experts at Bumbaugh George can pave the way for your fresh start. Our experienced attorneys will review your financial situation, outline your get-out-of-debt options, and strive to settle your debts as affordably as possible.

  • Assertive Advocacy
  • Expert Representation
  • Empathetic Guidance
  • Client-Centered Service

Debt Relief Cases

Is excessive debt suffocating your finances? Allow our debt relief and bankruptcy attorneys to lighten your load.

  • Appeals
  • Individuals
  • Small Businesses
  • Chapter 11
  • Chapter 7
  • Chapter 13
  • Foreclosure Defense
  • Lien Stripping
  • Wage Garnishment
Debt Relief & Bankruptcy - Appeals

If you’re unsatisfied with a recent court ruling, you can file an appeal to have it modified or overturned. Our legal team can help you navigate the complex appeals process from start to finish.

  • Proven Track Record
  • Clear Communication
  • Proactive Advocacy
  • Competent Counsel
  • Expert Legal Advice
  • Caring Support
Debt Relief & Bankruptcy - Bankruptcy for Individuals

When you’re drowning in debt, bankruptcy can offer invaluable relief. Our bankruptcy law firm in Westmoreland County can help you determine what type of bankruptcy is right for you, evaluate your eligibility, and navigate the legal nuances. With the support of our experienced team, you can start rebuilding your financial future.

  • Bankruptcy Petition
  • Schedules A-J
  • Statement of Financial Affairs
  • Means Test Calculation
  • Credit Counseling Certificate
  • Proof of Claim Forms
  • Reaffirmation Agreement
Debt Relief & Bankruptcy - Bankruptcy for Small Businesses

Running a small business already comes with a lot of responsibilities. If you’re dealing with undue debt, our bankruptcy law firm can handle the bankruptcy proceedings on your behalf. Throughout the process, we’ll clarify your options, protect your assets, and protectively pursue your best interests.

  • Bankruptcy Petition
  • Schedules A-J
  • Statement of Financial Affairs
  • Corp Resolution/Authorization
  • Proof of Claim Forms
  • Ch. 11 Plan of Reorganization
  • Disclosure Statement
Debt Relief & Bankruptcy - Chapter 11

A Chapter 11 bankruptcy allows your small business to stay operational as you reorganize your debts. If you want to pursue a Chapter 11 bankruptcy, our legal experts can facilitate the process. We’ll handle all of the legal intricacies, from negotiating contracts with your creditors to crafting a debt repayment plan that supports your company’s long-term success. undue debt, our bankruptcy law firm can handle the bankruptcy proceedings on your behalf. Throughout the process, we’ll clarify your options, protect your assets, and protectively pursue your best interests.

  • Petition for Ch. 11 Bankruptcy
  • Schedules of Assets/Liabilities
  • Statement of Financial Affairs
  • Disclosure Statement
  • Ch. 11 Plan of Reorganization
  • Motion for Cash Collateral Use
Debt Relief & Bankruptcy - Chapter 7

A Chapter 7 bankruptcy lets you liquidate your assets to repay your creditors as much as possible. After that, it discharges you of your remaining debt. At Bumbaugh George, our seasoned Chapter 7 attorneys can oversee your bankruptcy proceedings, negotiate with your creditors, and protect your rights every step of the way.

  • Petition for Ch. 7 Bankruptcy
  • Schedules of Assets/Liabilities
  • Statement of Financial Affairs
  • Means Test Calculation
  • Credit Counseling Certificate
  • Notice of Chapter 7 Case
  • Notice of Appt. of Trustee
  • Notice of Meeting of Creditors
  • Report of No Distribution
Debt Relief & Bankruptcy - Chapter 13

A Chapter 13 bankruptcy enables you to repay all or a portion of your debt over a multi-year period while retaining ownership of your property and assets. Thanks to our in-depth expertise in Chapter 13 bankruptcy laws, we can assess your eligibility, negotiate a realistic repayment plan with your creditors, and safeguard your assets at every stage.

  • Petition for Ch. 13 Bankruptcy
  • Schedules of Assets/Liabilities
  • Statement of Financial Affairs
  • Chapter 13 Plan
  • Proof of Claim Forms
  • Notice of Chapter 13 Case
  • Notice of Meeting of Creditors
  • Confirmation Hearing Notice
  • Order Confirming Plan
  • Trustee's Report of Distribution
Debt Relief & Bankruptcy - Foreclosure

Facing foreclosure is a distressing experience. To achieve the best possible outcome, you need reliable legal support. At Bumbaugh George, our strategic attorneys can help you negotiate alternative solutions with your lenders, such as loan term modifications or a short sale. Most importantly, we’ll make sure your rights are honored every step of the way. 

  • Notice of Default
  • Complaint
  • Answer
  • Discovery Requests
  • Motions
  • Affidavits and Declarations
  • Settlement Agreement
  • Notice of Sale
  • Response to Sale
  • Post-Foreclosure Proceedings
Debt Relief & Bankruptcy - Lien Stripping

During a Chapter 13 bankruptcy, lien stripping removes junior liens from your property, such as second mortgages or home equity lines of credit. This process can vary across jurisdictions and often involves detailed paperwork. Before you initiate it, make sure to search “bankruptcy law near me” and select a competent bankruptcy law firm to oversee this process, like Bumbaugh George.

  • Chapter 13 Bankruptcy Petition
  • Motion to Avoid Lien
  • Notice of Motion
  • Response from Lienholder
  • Order Avoiding Lien
  • Chapter 13 Plan Amendment
  • Entry of Order Avoiding Lien
  • Recording of Order
  • Follow-Up Proceedings
Debt Relief & Bankruptcy - Wage Garnishment

If you have a judgment against you, the court may grant your creditors the right to garnish your wages. Wage garnishment laws vary by jurisdiction, so it’s crucial to consult with a legal expert. Our Westmoreland County bankruptcy law firm can advocate for your rights and minimize the impact of wage garnishment on your income.

  • Writ of Garnishment
  • Notice of Wage Garnishment
  • Claim of Exemption
  • Response to Claim of Exemption
  • Hearing Request
  • Court Orders
  • Financial Disclosure
  • Negotiated Settlements
  • Appeals
Find Stability in Financial Crisis

Debt Relief and Bankruptcy Support For Small Businesses

If your small business is grappling with unmanageable debt, you need empathetic support and effective solutions. At Bumbaugh George, our skilled legal team can provide you with just that. Whether you want to settle with your creditors or pursue bankruptcy, we’re committed to securing the best outcomes for your small business in Southwestern Pennsylvania.

  • Assertive Advocacy
  • Expert Representation
  • Empathetic Guidance
  • Client-Centered Service
Debt Relief & Bankruptcy - Small Business
Notarization Icon
One-Stop-Shop for Debt Relief & Bankruptcy

Convenient Notary Services Customized To Your Needs

Depending on the jurisdiction, some of your debt relief and bankruptcy documents may need to be notarized. For your convenience, we offer secure in-house and remote notary services at Bumbaugh George. 

Ready to Break Free From Burdensome Debt?

Book a Debt Relief and Bankruptcy Legal Consultation to learn more about your debt relief options in Southwestern Pennsylvania. Simply call 724-864-6840 or fill out our Case Evaluation form.

Ready to Break Free From Burdensome Debt?

Book a Debt Relief and Bankruptcy Legal Consultation to learn more about your debt relief options in Southwestern Pennsylvania. Simply call 724-864-6840 or fill out our Case Evaluation form.

Frequently Asked Questions (FAQs)

What are my debt relief options?

Debt relief can be achieved through debt consolidation, debt settlement, creditor negotiation, or bankruptcy. The right type of debt relief will depend on the amount of debt you owe, along with your income, assets, and goals. An experienced debt relief law firm can help you determine the best way to ease your debt and facilitate the process.

Can I negotiate with creditors myself?

While you can negotiate with creditors yourself, you’ll get better results by having a law firm do so on your behalf. Debt relief attorneys have extensive experience dealing with creditors and negotiating debt settlements. Better yet, they’re up to date on relevant consumer protection laws and regulations. With their consumer law group debt relief support, you can show creditors you’re serious.

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What are the risks of debt settlement companies?

Like debt relief law firms, debt settlement companies can negotiate with creditors on your behalf. Unfortunately, these companies come with many risks, including costly fees, tax complications, and long-term damage to your credit score. They may also fail to achieve the outcome you desire. Due to these risks, it’s safer to work with a reputable debt relief law firm that will reliably advocate for your best interests every step of the way.

Should I file for bankruptcy?

Bankruptcy can provide much-needed relief from crushing debt, but it also has serious consequences for your credit. Before you file for bankruptcy, you should consult with a bankruptcy attorney to determine if it's the best debt relief option based on your debt balances, income, assets, and goals.

What are the consequences of filing for bankruptcy?

Filing for bankruptcy can discharge some or all of your debt obligations. However, bankruptcy can also cause a substantial drop in your credit score for several years. Depending on the type of bankruptcy, you may be required to sell some of your assets or property. A debt relief law firm can outline the specific consequences for your unique financial situation.

What can't I discharge in bankruptcy?

While bankruptcy can put many of your debts behind you, not all debts are eligible for discharge. Some notable exceptions include child support, alimony, tax liens, and student loans (unless you meet certain criteria). The list of non-eligible debts can vary from one form of bankruptcy to the next, so you should speak with a bankruptcy law firm before choosing this debt relief strategy.

What are the tax implications of debt forgiveness?

When you settle a debt for less than the amount owed, the forgiven balance may be classified as taxable income. A debt relief attorney can explain the intricacies of these tax implications and let you know if you qualify for any tax exemptions. 

What are the different types of bankruptcy?

The three most common types of bankruptcy are Chapter 7, Chapter 13, and Chapter 11. Chapter 7 and Chapter 13 bankruptcies are used by individuals, while Chapter 11 bankruptcies are reserved for businesses. Depending on the type of bankruptcy you file, you may have to liquidate your assets or negotiate a repayment plan with your creditors. Since each type of bankruptcy has different eligibility requirements, debt exemptions, and credit implications, it’s important to consult with a bankruptcy law firm before initiating the process. 

Contact Us Today About Your Debt Relief & Bankruptcy Representation

    Contact Us Today About Your Debt Relief & Bankruptcy Representation