Chester County bankruptcy lawyer Michael T. Malarick has been a licensed attorney in the states of Pennsylvania and New Jersey for over 28 years. Over the last 28 years, Michael Malarick has helped the Chester County community through legal representation as a Chester County bankruptcy attorney. Michael provides legal representations for chapter 7 bankruptcy and chapter 13 bankruptcy. Call today to speak with our Chester County bankruptcy lawyer and get a free consultation.
Chapter 7 bankruptcy in Chester County is designed to help people deal with consumer debt. Consumer debt is credit card debt, personal loans, or medical bills and utility bills. For instance, consumer debt is debt that is not secured by a home mortgage or a car loan. Contact our Chester County chapter 7 bankruptcy lawyer today for a free consultation.
Chapter 13 bankruptcy in Chester County helps the debtor keep their secured property, such as their mortgaged home or financed automobile. Chapter 13 bankruptcy provides you a three to five year time period within which to get caught up on your home mortgage or car loan. Contact our Chester County chapter 13 bankruptcy lawyer today for a free consultation.
Chester County Bankruptcy Lawyer: What are the pre-petition and post-petition certificates needed in a bankruptcy case?
If you are a Chester County, PA resident with too much debt, you should know the difference between a Chapter 7 and a Chapter 13 bankruptcy petition. Basically, if you are overburdened with credit card debt, personal loans, or medical bills, a Chapter 7 petition will discharge these types of consumer loan debts. If you face a mortgage foreclosure or car repossession, a Chapter 13 petition will provide you time to get your mortgage, car loan or car lease current.
Whether you file a Chapter 7 or a Chapter 13 petition, a Westtown or Easttown resident, or any other citizen of Chester County, PA, will have to obtain a pre-petition credit counseling certificate. This certificate can be obtained online and is good for 180 days. The pre-petition counseling will analyze your current financial condition and may develop a plan to respond to your financial predicament without filing for bankruptcy. Your bankruptcy petition will be dismissed if you do not obtain and file the pre-petition certificate. Call our Chester County bankruptcy lawyer today for a free consultation.
Whether you file a Chapter 7 or a Chapter 13 petition, a West Goshen or East Goshen resident, or any other citizen of Chester County, PA, must also obtain a post-petition certificate in personal financial management. This certificate can also be obtained online. This post-petition debtor education course will cover topics, such as:
- Budget preparation;
- Money management;
- The wise and effective use of credit;
- Consumer Protection Laws and agencies; and
- How to handle a financial emergency.
Chester County Bankruptcy Attorney Contact Info
Whether you live in Tredyffrin or Pennsbury, or any other Chester County, PA community, and have a question about either Chapter 7 or Chapter 13 bankruptcy, you should contact Michael T. Malarick, an experienced Chester County bankruptcy attorney for a free bankruptcy consultation. The Law Office of Michael T. Malarick offers a free chapter 7 bankruptcy consultation and a free chapter 13 bankruptcy consultation. Call 610-816-6683 today for your consultation or to schedule an appointment.
Bankruptcy Lawyer for Chester County Review
“Michael Malarick helped me eliminate my debt at a time when I thought there was nothing that I could do. I was researching my options and did not know what the right decision was going to be. I called Michael Malarick for a bankruptcy consultation and he was very forthright, honest, and fair. He laid out all of my options for me and helped me make the right decision. The last couple months have been great and it feels like a weight has been lifted off of my shoulders. If you are in Chester County and need in a bankruptcy attorney, I recommend Michael Malarick. He was very helpful during my situation. 5/5” L.P.
Other Areas of Practice
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