Get the peace of mind you deserve.

Bankruptcy is a tool that can be used to invoke your constitutional right to a fresh start. Contact the attorneys at Philadelphia Debtors' Rights today to find out how we can help you wipe the slate clean + reclaim your time.

FREE CASE EVALUATION

The Debt Collection Pandemic

Without protection from debt collectors [during the pandemic], American families will emerge from the crisis in a much worse financial place ...

These are far from normal times. Before we ask Americans to go back to work, let's make sure we create the breathing room [debtors] need to do so successfully.

—Pamela Foohey, Dalié Jiménez & Christopher K. Odinet, 11 Calif. L. Rev. Online 222 (May 2020).

The Debt Collection Pandemic

"Without protection from debt collectors [during the pandemic], American families will emerge from the crisis in a much worse financial place ...

These are far from normal times. Before we ask Americans to go back to work, let's make sure we create the breathing room [debtors] need to do so successfully."

—Pamela Foohey, Dalié Jiménez & Christopher K. Odinet, 11 Calif. L. Rev. Online 222 (May 2020).

Breathing room for the honest-but-unfortunate debtor.

Chapters 7 + 13 of the U.S. Bankruptcy Code provide the ultimate forms of debt relief, enabling you get free of bills and restore your financial (mental) health + well-being.

Instantly upon the filing of a bankruptcy petition, the automatic stay is triggered; it pumps the brakes on any + all creditor collection activity against you, including sheriff's sales, repossessions, garnishments, lawsuits and harassment.

CHAPTER 7

liquidation

  • complete credit counseling coursework + gather documentation of your assets/financial statements for examination by a court-appointed trustee at the meeting of creditors
  • keep virtually all of your personal property, which is entitled to exemption under federal law
  • obtain a discharge of qualifying, unsecured debts [e.g., credit cards, medical bills, personal loans, utility bills, lawsuit judgments, etc.]

CHAPTER 13

"wage earner's plan"

  • freeze any pending foreclosure action or sheriff's sale + remain in your home
  • submit a plan that is funded by your future income + cures past due mortgage balance(s) over a span of 3-5 years
  • reinstate your mortgage by making regular, monthly payments directly to your loan servicer, along with plan payments to the chapter 13 trustee, for the duration of your case
FREE CASE EVALUATION

How soon is now?

According to data from the Consumer Bankruptcy Project, 1981-2007:

  • 66% of debtors reported struggling with financial liabilities for 2+ years prior to filing for bankruptcy
  • 33% of debtors endured 5+ years of financial turmoil before seeking legal counsel
  • 68% of debtors experienced feelings of shame upon filing for bankruptcy
  • >90% of debtors who filed bankruptcy wished they had done so years beforehand

YOUR FINANCIAL PROBLEMS ARE LEGAL PROBLEMS

DEBTORS' RIGHTS ARE LEGAL SOLUTIONS

FREE CASE EVALUATION

we're not new to this;

we're true to this.

mortgage foreclosure + loan servicing

  • mortgage foreclosure defense
  • loan servicing
  • loan modification
  • loan forbearance
  • loss mitigation

consumer rights + justice

  • arbitration, unfair trade practices, UTPCPL
  • credit reporting, FCRA
  • debt collection abuse, FDCPA
  • disclosure violations, TRID, TILA, RESPA
  • foreclosure rescue scams
  • predatory lending
  • insurance claim denials/declaratory judgment action
  • home contractor fraud, HICPA
  • landlord-tenant/housing issues

debt collection defense + settlement

  • credit defaults
  • excessive debt
  • debt buyers
  • default judgments
  • municipal claims
  • tax debt/offers-in-compromise
  • student loans and student loan lawsuits
  • covid-19 consumer protection

Meet Kevin.

The creator of Philadelphia Debtors' Rights, Kevin loves fighting for underdog clients and is committed to providing quality counsel that can be accessed by those who truly need it.

Kevin is a member of the EDPA Bankruptcy Conference and a pro bono attorney for the Consumer Bankruptcy Assistance Project (CBAP) and the Philadelphia Volunteer Lawyers for the Arts.

  • PA Attorney ID #322082
  • Temple Univ. Law, 2015
  • Temple Univ. Business, 2012

Enforce your rights.

Reclaim your time.

Filing bankruptcy may be exactly what you need to take control of your life. Contact your favorite Philadelphia Debtors' Rights attorney today; it's completely confidential and there's no obligation.

"I wanna act baller-ific, like it's all terrific / I got a couple past-due bills I won't get specific / I got a problem with spending before I get it / we all self-conscious, I'm just the first to admit it."

Kanye West, "All Falls Down" ©Roc-A-Fella Records LLC, 2003