General Bankruptcy

Starting Over

Bankruptcy can mean a fresh start for you and your family. Bankruptcy is federal law that provides individuals and businesses the ability to either liquidate or reorganize their debts, provided that the individual or business meets the criteria set forth in the Bankruptcy Code.

Generally, if your monthly income is less than your monthly expenses and you earn less than the state median income for your household size, you will be able to file for Chapter 7 bankruptcy. Alternatively, Chapter 13 bankruptcy is filed for an individual with a regular source of income to help reorganize debts, and make payments to a trustee who will then pay creditors.

We Provide Bankruptcy Advice to Improve People's Lives

Gross & Patterson, LLC is committed to improving the lives of people by providing high quality, reasonably priced Chapter 7, Chapter 11 and Chapter 13 bankruptcy advice. We have helped hundreds of Pittsburgh, Pennsylvania, clients cope with crushing debt due to divorce, employment loss, unexpected medical expenses, physical and mental disabilities, credit card bills, and more.

We have more than thirteen years of professional experience with bankruptcy and know that the bankruptcy experience has an overwhelmingly positive effect on most claimants' lives.

Filing for bankruptcy is stressful. We strive to provide a high level of personal service to smooth out the difficulties. We have successfully represented people in cases related to bankruptcy, including divorce, foreclosure, property repossession, and credit card lawsuits.

Mandatory Credit Counseling

Before filing for bankruptcy, you must have a credit counseling certificate from an approved credit counseling provider. In order to get a discharge in Chapter 7 bankruptcy you need to take a debtor education class within 45 days of the meeting of creditors. For Chapter 13 bankruptcy, you must take the class before your final payment is due under your repayment plan.

Find an approved provider by clicking here.

If you miss the class, you will not qualify for debt discharge. That means your debts won't be forgiven.

If you need skilled bankruptcy advice you can trust, contact us today to schedule a FREE case evaluation. Telephone consultations are also available.

For more information, see our list of common questions.

Bankruptcy Advice in Pittsburgh, Pennsylvania

Greensburg Medical Bankruptcy, Foreclosures

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