Bankruptcy Lawyer in Philadelphia

Trusted Legal Counsel for Financial Relief

Law Offices Of Blitshtein & Weiss, P.C. is a leading bankruptcy lawyer in the Philadelphia area. Since opening our doors, we've established ourselves as a trusted specialist committed to seeing our clients succeed. We help you protect your assets, secure your finances, and start on the right foot for the future.

Everyone experiences financial hardship at some point in their lives. Make sure the process of filing for bankruptcy is as smooth as it can be. To schedule a no-obligation consultation, give us a call at (215) 364-4900 today.

Get the Guidance You Need

At Law Offices Of Blitshtein & Weiss, P.C., we believe no one should have to go without competent legal counsel when considering bankruptcy. Our doors are open to everyone in need of our services, regardless of personal or financial situation. No matter your circumstances, you can count on us to aid you in your time of need. We'll help you figure out your next steps, narrowing down your options until we find the best course of action for you.

As a client of ours, you can expect:

• Personalized solutions
• Sound legal strategies
• Clear, responsive communication
• Skillful representation
• Expert debt-management options

There is more than one route to financial freedom. Whether Chapter 7, Chapter 13, or another form of debt relief can help you depends entirely on your situation. Contact us today to find out which path is best for you.

Get Started with a No-Obligation Consultation

In order to give you the help you need, we need to understand your situation. During your no-obligation consultation, we will learn everything we need to know. We will ask you questions regarding your financial history, your desired outcomes, and much more. Before long, we will have all the information needed to give you the comprehensive service you require.

Our initial consultations come with no obligation to hire us. You'll have a chance to ask as many questions as you like, learn about our services, and discover how you stand to gain by choosing us to represent you. At the end of it, you can make your own decision on whether to hire us.

We believe the quality of our work speaks for itself, and we don't feel the need to pressure you into anything you're not yet ready for. We're confident that you stand to gain from our expertise, and we're sure you'll see that for yourself.

Experienced Attorneys at Your Service

Our firm, established in 1995, was founded with one goal in mind: to help the working-class citizens of Philadelphia. With over forty years of combined legal experience, we have succeeded in relieving countless Americans of their debt. No matter what your situation, we will be able to help you.

Debt Relief for All

We believe that Americans are entitled to a fresh start — not just the wealthy, but working-class families too. We work with single-income family members, seasoned business owners, young entrepreneurs, and everyone in between. No matter the client, we offer the same thorough, code-compliant service.

Whether you wish to file for Chapter 7 liquidation or Chapter 13 bankruptcy, we can help you. Every person is entitled to new beginnings. With bankruptcy as an option, that fresh start can be yours.

Full Suite of Bankruptcy Services

Whether you are looking to file for Chapter 7 or Chapter 13 bankruptcy, we can help you. We can also represent you in any ongoing disputes with aggressive bill collectors. Under the Fair Debt Collection Practices Act, bill collectors are required to treat you with sufficient respect. If you are dealing with unruly collectors, let us know — we will make sure they conduct themselves accordingly while you sort out your financial situation.

We can also help you correct any credit report errors that have damaged your credit score. Sometimes a paid balance does not show up in the system, and other times a clerical error can dramatically impact your rating. If your credit score does not accurately portray your financial status, we can help you correct any issues.

An Affordable Bankruptcy Lawyer for You

We understand the financial stress our clients face. That is why we go to great lengths to make sure our services are as affordable as possible. In some instances, you may not even be required to pay out-of-pocket fees and costs. When we take action against Credit Reporting Agencies, for example, they are responsible for the attorney's fees.

A Record of Success

Clients near and far come to us because they know us as a trustworthy firm offering a client-focused experience. We are renowned for our ability to secure the best-case outcome for our clients. Through hard work, skillful negotiation tactics, and a meticulous application of the law, we ensure our clients remain protected against creditors. We've managed to save our clients time, money, and stress — and we're confident we can do the same for you.

From filing paperwork to representing you in the courtroom, we'll be there every step of the way. From start to finish, we will fight on your behalf and see to it that you remain protected by the law.

About Lead Bankruptcy Counsel

Attorney Tova Weiss is lead bankruptcy counsel and believes that most people have undergone financial hardship at some point in their lives. Bankruptcy protection affords people the opportunity to get on their feet again, to get a fresh start, and to rebuild financial health. There is no shame in filing for bankruptcy protection — it is a legal tool provided to help individuals in financial crises gain control of their personal finances.

Attorney Weiss can provide you with legal representation for either Chapter 7 or Chapter 13 Bankruptcy. By filing Chapter 7 or Chapter 13 Bankruptcy, you qualify for a "stay," or no-action period, which is a preventive tool against creditors such as credit card and mortgage companies. We are a debt relief agency — we help people file for Chapter 7 and Chapter 13 Bankruptcy.

Chapter 7 Bankruptcy

A Chapter 7 bankruptcy is a liquidation bankruptcy. Under the Bankruptcy Code, you can prevent your assets from being sold by a trustee as long as the assets are legally exempt, while still discharging your dischargeable debts.

The debts that you do not repay are discharged. Some debts cannot be discharged — known as "non-dischargeable" debts — and you must continue to pay them on an agreed timeframe and schedule. These include taxes, child support, alimony, restitution, and others.

To begin your bankruptcy case, you file a Bankruptcy Petition with the U.S. Bankruptcy Court Clerk's office. Call our office today for a free phone consultation.

Chapter 13 Bankruptcy

A Chapter 13 Bankruptcy is for an individual with regular income. In order to file a Chapter 13 Bankruptcy case, you must have regular income (which may come from different sources) and not owe more than $383,175 in unsecured debt or $1,149,525 in secured debt.

A Chapter 13 Bankruptcy plan is typically a three- to five-year payment plan for the unsecured and secured debt you owe. The plan cannot exceed five years.

A Chapter 13 Bankruptcy provides debtors with an opportunity to put all mortgage arrears into a payment plan paid to the Bankruptcy Trustee, while still keeping their home.

To determine which bankruptcy case is best for you, contact an attorney at Law Offices Of Blitshtein & Weiss, P.C. by calling (215) 364-4900 or by sending us an email from our contact us page. A personal interview and document review will be conducted at your first appointment.

Should You File for Bankruptcy?

At Law Offices Of Blitshtein & Weiss, P.C., we meet with many Philadelphians who are at a crossroads and want to know whether filing for bankruptcy is a good idea. Ultimately, filing for bankruptcy is a personal decision and everyone's circumstances are different. It can be very difficult to think rationally and plan for the future when you are burdened by outstanding debts. This is why Law Offices Of Blitshtein & Weiss, P.C. is such an important resource for Philadelphians in financial distress. Our bankruptcy lawyers have been able to provide important financial advice for over 20 years.

Call (215) 364-4900 and tell us about your financial situation, and we can provide you with the guidance you are looking for. We will assess your particular situation to see if declaring bankruptcy is your best option or if there are alternative solutions worth exploring. If we determine that bankruptcy is your best option, we will guide you through the process of filing either Chapter 7 or Chapter 13 bankruptcy.

One thing we must stress is that when it comes to declaring bankruptcy, timing is everything. If you put off filing, you can lose your home to foreclosure, have your vehicle repossessed, or have your wages garnished. If you act too quickly and file prematurely, there is a real risk of losing the opportunity to get better terms. Thanks to two decades of experience helping families and businesses in the Philadelphia area, Law Offices Of Blitshtein & Weiss, P.C. has mastered the timing of filing.

Do You Need an Attorney to File for Bankruptcy?

An individual filing for bankruptcy is not required to use the services of a bankruptcy lawyer. However, filing for bankruptcy is a legal procedure, and it can be very complicated without proper training. Mistakes when filing for bankruptcy can cause serious harm down the line. Hiring one of our licensed experts as your bankruptcy lawyer ensures there are no errors in your filing and that you are properly protected throughout the process from day one.

Document Checklist

Please gather the following documents for your appointment:

• Last two (2) years of tax returns
• Last six (6) months of paystubs
• Mortgage statement & home equity lines of credit statements
• Automobile lease/payment statements
• Bank account and brokerage statements for the last 90 days
• Retirement account statements (401K/IRA)
• Credit card statements
• Medical bills
• Tax bills
• Lawsuits/judgments
• Any other persons or entities to whom you owe money