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Bankruptcy Alternatives-Debt Modification

Pennsylvania Bankruptcy Attorney | Bucks County Lawyer

Waking up every day to face what seems like insurmountable debt can wreak havoc on you and your family. Financial stress takes an emotional toll on everyone, and the longer it goes on, the more hopeless it may seem. If you are living with ever-increasing debt and have neither the income nor the outside resources needed to make progress on your payments, Pennsylvania bankruptcy attorney John M. Kenney can help you explore alternatives to bankruptcy.

Bankruptcy AlternativesIn some cases, rather than file for bankruptcy, you may be able to renegotiate the terms of various loans and bills. Because many consumers are not aware of this option, they often miss opportunities that could have helped them avoid bankruptcy. These opportunities can include:
  • Loan modifications
  • Reduced rates on utility bills
  • Extended payment plans for medical bills.
Taking advantage of one or more of these debt relief options would keep bankruptcy off your records and protect your credit rating from further damage.Getting Started on Your Debt Modification PlanIt's very difficult to focus your energies on creating and adhering to a debt reduction plan when you have collection agencies calling several times a day and unpaid bills piling up on your kitchen table. Bucks County lawyer John M. Kenney can help you move past the fear and into action by creating a debt modification plan that is custom-tailored to fit your income, priorities and lifestyle. Some of the factors he will take into account are:
  • Your age
  • Your income
  • Your dependents
  • Your assets
  • The total amount of your combined debt
Stop the Harassment without Filing for BankruptcyIf you are struggling under a mountain of debt, you are more than likely familiar with collection agency harassment tactics. What you may not know is that there is a limit to how far collection agencies can go in their attempts to collect on a debt. For example, it is illegal for debt collectors to:
  • Represent themselves as attorneys or government representatives when they are not
  • Falsely declare that you have committed a crime
  • Publish a list of names of people who refuse to pay their debts
  • Use obscene or profane language
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. Attorney John M. Kenney has been practicing bankruptcy law since 1983 and has extensive experience protecting his clients from unfair debt collection practices.Bankruptcy Help When You Need ItIf debt modification is not an option for you and you have decided to file for bankruptcy, Mr. Kenney can advise you about the types of bankruptcy available to you. He will help you navigate the bankruptcy process, from proposing a reasonable repayment plan to committing to a repayment schedule to demonstrating the income needed to make your monthly payments. He works with clients throughout Bucks County, Montgomery County, and Philadelphia County, Pennsylvania as well as in Mercer County, New Jersey and Burlington County, New Jersey, and has obtained favorable outcomes in countless bankruptcy cases.

Pennsylvania bankruptcy lawyer John M. Kenney offers free consultations and personal service. He will take the time to answer all of your questions and treat your case as a top priority.

For a free consultation about bankruptcy alternatives and debt modification plans, please call (215) 547-3031, email, or fill out and submit our online "Contact Us" form.

Client Reviews
John was able to help us with an emergency with my dad, we needed a poa ASAP, he drew up the paperwork and even came to the hospital to meet and witness what he needed to. Ge was personable to my dad and explained everything to him and us. Definitely recommend him to anyone, he gets the job done promptly and professionally. Thanks again so very much! John Killgore
I thought I could handle my divorce by completing all my forms on my own. Well, I was wrong and the courts couldn't tell me what I did wrong. After 2 years of going back and forth trying to figure out what I did wrong, I decided to hand it over to a professional/lawyer. I found John on a Google search. I was able to get an appointment right away with him. He was able to work around my schedule. John took control of everything and and within 3 weeks my divorce was completed. I would definitely recommend him to friends and family Joanna Kane
Mr. Kenney provided me with top notch service within a very in small window to represent me. Mr. Kenny represented me in a very complex custody case in the state of PA. Mr. Kenny was very knowledgeable, patient, attentive, assertive, reliable, and has a great reputation. I would strong recommend Mr. Kenny as your future attorney to represent you in the state of PA/NJ. Make no hesitation and call him today, you will not be disappointed. April Harrison