If, like so many other residents of Pennsylvania, you are struggling with ever-growing debt, you know that such debt becomes much more than a financial drain. The related emotional drain affects entire families and keeps people from moving forward with their lives. You may be wondering whether it is time to file for bankruptcy. While bankruptcy is certainly an option, it may not be necessary. There are other paths to debt relief, and Pennsylvania attorney John M. Kenney is ready to discuss them with you and get you started on the one that best fits your circumstances.

In some cases, rather than filing for bankruptcy, people can renegotiate the terms of various loans and bills. However, many consumers are not aware of this option, and even less familiar with the laws that apply in such cases and the negotiation techniques that reach the best results. As a respected member of the southeastern Pennsylvania legal community, having served clients for more than 27 years, Mr. Kenney can put his knowledge and professional negotiation skills to work on your behalf.

If collection agencies are harassing you, an attorney who understands the federal Fair Debt Collection Practices Act (FDCPA) can make them stop—and even sue them, in some cases, for the harm they may have caused you. In addition, depending on your circumstances, (such as your age, income, assets, and total amount of debt), you may qualify for loan modifications that would help you avoid foreclosure, and reduced rates or extended payment plans for your utility or medical bills. These types of debt relief would keep bankruptcy off your records and keep your credit rating from being damaged further.

In some cases, however, bankruptcy may be the only way to get a fresh start and keep some key assets. In those circumstances, attorney John M. Kenney can advise you about the types of bankruptcy available to Pennsylvania and New Jersey consumers, and help you navigate the bankruptcy process.

To explore all your debt relief options, please contact the Law Firm of John M. Kenney, P.C., right away. Don’t wait and watch your situation worsen.

Our initial consultation is FREE, and we serve clients throughout Bucks County, Montgomery County, Philadelphia County, and Mercer County in New Jersey.

For a free consultation about your Pennsylvania debt relief options, please call (215) 547-3031, email jmk@jkenneylaw.com, or fill out and submit our “Contact Us” form.