Chapter 7 Bankruptcy
Chapter 7 Bankruptcy Lawyer in Philadelphia, PA
Filing for Chapter 7 is the most popular way to get out from under a debt burden. It’s known as a debt liquidation bankruptcy. Whether you are an individual or married couple, you own a business or you are a blue collar worker, a Philadelphia, PA Chapter 7 bankruptcy lawyer from the Law Offices of Michael A. Latzes can help resolve your situation before things get worse.
To be eligible for Chapter 7, individuals must meet a certain threshold of income and expenses, which is determined by a "means test." Also, your assets may not exceed certain exemption amounts to qualify for Chapter 7. We can help you determine your qualifications and help you lay out an effective plan going forward.
With our guidance, you will be able to eliminate most of your unsecured debts, including credit card debt, judgments, medical bills, some taxes, and delinquent utility bills.
At the end of your proceeding, a debt discharge is ordered by the court. The discharge order eliminates many of your debts and takes them off your credit report, giving you a clean start. Unfortunately, some debts cannot be discharged, such as child support or alimony, debts created by fraud, student loans, and once again, some types of tax debt.
The advantages of filing for Chapter 7 include:
- Stopping collection actions and lawsuits
- Stopping utility shut offs
- Stopping car repossessions
- Stopping IRS collections and wage garnishments
The Law Offices of Michael A. Latzes is ready to provide your free consultation. We will help you decide the best option for you. Let a Philadelphia, PA chapter 7 bankruptcy lawyer help you take control of your financial future today.
Call the Law Offices of Michael A. Latzes to schedule a free consultation. Our offices serve clients in the Philadelphia, Montgomery, Bucks, and Delaware Counties. Should an office visit be inconvenient, consultations can be provided via telephone. Also, appointments can be scheduled most evenings and weekends. Payment plans are available.
To better assist you, please take advantage of our online questionnaire. Once your information is received, we are committed to respond within 24 hours.
When I went to Michal for assistance I had low expectations given the financial position I was enduring. I am a difficult customer. Michael more than helped me out financially, his empathy afforded me dignity throughout the process. EXTREMELY RECOMMEND for FINANCIAL ISSUES!
Mr. Latzes is the best to work with . I came to him in a desperate time in my life. I was behind in my mortgage and he set up a plan for me to pay off all my debts. Because of his help and I am now debt free. It has been a wonderful experience working with Mr. Latzes. I would truly recommend him to anyone that is having trouble and thank him for all his kindness and good work. He is the GREATEST ! Shirley
Michael Latzes gave me Hope! I found the Law Offices of Michael A. Latzes on the internet. I was hopeless, desperate, and didn’t know where to turn for help. I reached out to Michael, and within 2 hours I was in his office for a face-to-face meeting. Michael was very positive, understanding and gave me a distinct plan of action to follow. The fees that Michael charged were reasonable, and fit within my budget and time frame. When I left that office that day, I could breathe for the first time in 6months. Over the duration of my case, Michael was in constant contact to answer any questions that I had (day or night); and he has always made me feel important. I hope to never need a lawyer again; but if I do, the Office of Michael Latzes would me my only choice.
EXCELLENT WORK! Michael is a very knowledgeable attorney. He communicates on a level that is understandable and the manner in which he uses in doing so- Exceptional!! He will always take the time to personally call , answer or email you directly. Knowledge, patience and understanding are just a few of their top qualities that make Michael and his staff a wonderful team and words cannot explain how thankful and appreciative I am for all of the hard work and dedication that you put into my case. Thank you so much for going above and beyond , you are a terrific attorney and your staff is wonderful!!! Thank you Michael & Jennifer K
Michael Latzes gave me Hope!
I found the Law Offices of Michael A. Latzes on the internet. I was hopeless, desperate, and didn’t know where to turn for help. I reached out to Michael, and within 2 hours I was in his office for a face-to-face meeting. Michael was very positive, understanding and gave me a distinct plan of action to follow. The fees that Michael charged were reasonable, and fit within my budget and time frame. When I left that office that day, I could breathe for the first time in 6months. Over the duration of my case, Michael was in constant contact to answer any questions that I had (day or night); and he has always made me feel important. I hope to never need a lawyer again; but if I do, the Office of Michael Latzes would me my only choice.
High quality service, professional, and ethical
Attorney Latzes was both a gentleman and and upstanding individual. He assisted with my chapter 7 bankruptcy. Overall he made the experience very simple and comfortable. I would recommend him to others. He went above and beyond to assist with my lack of know pertaining to this type of law. I can not thank him enough.
High Quality Service
Excellent service. The Attorney was prompt and provided answers to all questions asked, pertaining to my chapter 7 bankruptcy. He created a comfortable and welcoming atmosphere. I would refer this attorney to others. Also, I would like to state that he is an unpstating individual and ethical.
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- Pennsylvania Bar Association (PBA)
- National Association Of Consumer Bankruptcy Attorneys (NACBA)
Please consult an attorney for advice about your individual situation. This site and its information is not legal advice, nor is it intended to be. Feel free to get in touch by electronic mail, letters, or phone calls. Contacting us does not create an attorney-client relationship. Until an attorney-client relationship is established, please withhold from sending any confidential information to us. We are a debt relief agency. We help people file for relief under the bankruptcy code.