“Sean helped us with the decision and did everything he promised. We highly recommend Sean.”

   Alison.

717 202-2277

Call Us For A Free Consultation

Sean QuinlanReviewsout of 27 reviews

Bankruptcy

GET THE FACTS YOU NEED FROM AN EXPERIENCED ATTORNEY AND BUILD A PLAN TO TAKE CONTROL OF YOUR FINANCES.

Bankruptcy Services

WE HELP INDIVIDUALS AND BUSINESSES ELIMINATE DEBT WITH BANKRUPTCY

Our goal is to give you a financial fresh start. By eliminating debt, you will have peace of mind and more options for a better financial future. We have helped hundreds of individuals and businesses eliminate debt through bankruptcy.

SERVICES WE PROVIDE

Chapter 7 Bankruptcy – For individuals and businesses, this is a way to eliminate all debt in 3-4 months.

Chapter 13 Bankruptcy – For individuals, this allows you to keep your assets and make a payment plan on your debt that lasts 3-5 years.

Bankruptcy for Small Businesses – If you have a small business, you could file chapter 11;  however, if your business qualifies for chapter 13, it can be less expensive and a quicker option if you need to get operations moving sooner. We are not handling chapter 11 cases right now, but contact us to see if you qualify for chapter 13.  Basic requirements:

  • Your business must be a Sole proprietorship (not a corp, partnership…)
  • You owe less than ~$384k in unsecured debt (credit card, medical…)
  • You owe less than ~$1,150k in secure debt (car loan, mortgage, loans backed by collateral…)

START WITH A FREE BANKRUPTCY EVALUATION

We understand that those who file bankruptcy usually don’t have a lot of money to spend. Our prices vary based on your needs and situation, but we make sure to always keep our prices affordable and competitive. When considering price as a reason to choose a bankruptcy lawyer, remember the following:

  • “Cheap” bankruptcy service often means low quality service, so be careful of attorneys that price too low
  • Some firms charge way too much for filing bankruptcy
  • We strive to aim for mid-level prices that allow us to give you high-quality service and results

CHAPTER 7 vs CHAPTER 13 BANKRUPTCY

Which is best for you?

Attorney Sean Quinlan can help you quickly find the right option for you.

WHICH WORKS BEST FOR ME?

There are two main ways to file bankruptcy and get debt relief, chapter 7 and chapter 13. Each has its benefits and limitations. Which one you choose or “qualify for” depends on:

  • Your Finances
  • Types of debt
  • Your Income

Note: Chapter 11 is similar to Chapter 13 in restructuring debt, but is primarily designed for businesses owned and controlled by more than one person (Example: LLC, partnership, corporation). See more…  

*********

NoteChapter 11 (business bankruptcy) is designed primarily for businesses owned and controlled by more than one person (Example: LLC, partnership, corporation). It is very similar to chapter 13 in restructuring debt. We currently do not handle chapter 11 cases, but if you are a single business owner (sole proprietorship), contact us to see if you qualify for a chapter 13, which is less expensive than filing chapter 11. Call or fill out the form bellow.
*********

 

Chapter 7 Chapter 13
Approach Debt Elimination Debt Restructuring
Summary Certain debts can be completely eliminated in 3-5 months. Quickest method. You still make payments to your lenders, but at a much lower and manageable payment schedule that keeps you or your business operating.
Who files? Individuals & Some businesses Individuals & Sole Proprietor businesses
Creditors
Staying actions
Yes – Immediately put a hold on
most creditors collection activities
Yes – (same)
My Assets Best for those with few assets.
May need to liquidate some assets.
Keep your home, vehicle, etc
My Bills
Dealing with Debt
Eliminate all unsecured debt
(loans not backed by assets, like credit cards, medical bills, utilities, etc.)
Adjusts debts for lower payments. Affordable payment plans with debts gone in 3-5yrs.
Income Needed Best for those with low income Best for those who can pay living expenses but not their current debts.
How long does it take? 3-5 months, depending on your situation 3-5 year plan to pay off debts
Qualification
Who can file?
Pass the means test. A formula to see if your income is low enough, or if you need to file chapter 13. Must have enough income to meet your new obligations, minus certain expenses.

CONTACT US FOR YOUR FREE CONSULTATION