Fairless Hills, Pennsylvania, Bankruptcy Attorney

If your debts have reached the point where you are afraid of losing everything you have worked for, it's time to talk to a bankruptcy lawyer. For more than 25 years, lawyer John M. Kenney has been helping people in southeastern Pennsylvania obtain debt relief under the U.S. bankruptcy code.

Two forms of bankruptcy are available for consumers:

• Chapter 7 Bankruptcy is known as simple bankruptcy and is commonly used to eliminate credit card debt, medical bills, and other kinds of unsecured debt.
• Chapter 13 Bankruptcy is a debt-repayment plan. It is commonly used by people who have assets (such as equity in a home) that would not be protected by filing Chapter 7 Bankruptcy, or by people who have too much income to file Chapter 7 Bankruptcy.

Filing either form of bankruptcy protects you from home foreclosure, car repossession, lawsuit judgments, creditor harassment, and wage garnishment.

Bankruptcy means test and credit counseling

Before you can file bankruptcy, you must first satisfy a means test. Under the means test, your income will be compared to median family income for a household of similar size in Pennsylvania. If you earn more than the median family income, you may need to file Chapter 13 Bankruptcy instead of Chapter 7 Bankruptcy. You must also complete a credit counseling course. Lawyer John M. Kenney can guide you through every step of the process. He offers personal service and will take the time to answer all of your questions.

Mr. Kenney is experienced in real estate law and has been very successful in helping people who were in danger of losing their homes due to foreclosure.

Free bankruptcy consultation: Contact attorney John M. Kenney in Fairless Hills, Pennsylvania, for a free initial consultation about your bankruptcy case.