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Educating You On Your Bankruptcy Options

Although you try to pay your bills on time and in full, a job loss, medical emergency or business setback can erase your savings. These unplanned events can make it nearly impossible to pay off your debt and afford basic living expenses.

You recognize that filing bankruptcy is your best solution for your financial problems, but which bankruptcy option is right for you? At Spence Custer, we have the answers to your bankruptcy questions and are ready to guide you through the filing process. Our attorneys have successfully represented both debtors and creditors in bankruptcy matters, so we are qualified to help you.

Types Of Bankruptcy

The bankruptcy that you file will depend on a variety of factors, which include the type of debt you have and your ability to fulfill the terms of a repayment plan. It is critical to work with an experienced bankruptcy lawyer to select the option that fits your circumstances.

Our lawyers will study your financial records and your goals to determine which of these options suits your situation:

  • Chapter 11 bankruptcy, which is usually filed by businesses. It allows business owners to reorganize their business and create a repayment plan.
  • Chapter 7, which allows you to erase most of your debt by selling your property to creditors.
  • Chapter 13, which allows you to design a repayment plan so that you can keep your property and assets.

Throughout west-central Pennsylvania, Spence | Custer Attorneys at Law is recognized as one of the “go-to” firms for securing debt relief. The stakes are high when you are filing bankruptcy. You deserve to work with lawyers who are intimately familiar with this complex process.

Consult With Us For Free About Your Bankruptcy Concerns

Talk with us before you take legal action. For your convenience, you can reach our Johnstown office online or over the phone at 814-250-0389 to schedule your free consultation.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.