Bucks County Bankruptcy Lawyer and Foreclosure Lawyer

Michael Schwartz, Esquire

Contact us with your Bankruptcy Law questions.  Serving Southampton, Havertown, Perkasie and all of Bucks County, PA 

215-396-7900

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ABOUT US

CHAPTER 7 BANKRUPTCY

CHAPTER 13 BANKRUPTCY

Attorney Schwartz started practicing law in 1992 and opened his own firm in 2005. For over 22 years, his focus has been on bankruptcy law. Our mission is to build relationships with our clients. We offer sound legal counsel during a difficult time in your financial life.

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BUCKS COUNTY BANKRUPTCY LAWYER AND FORECLOSURE LAWYER

Michael Schwartz is a bankruptcy lawyer in Bucks County PA who helps people file for Chapter 7 and Chapter 13 bankruptcy.

Facing a mountain of debt can be stressful when you don't see an end in sight.  While it's easy to get overwhelmed by bills, a Bucks County bankruptcy lawyer can ease your worries and help you get control of your financial future.  The Law Office of Michael Schwartz handles bankruptcy law cases in the Philadelphia area with convenient offices located near Bucks, Montgomery, Philadelphia and Delaware counties.  Michael Schwartz, Bucks County bankruptcy lawyer, Havertown bankruptcy lawyer, and Perkasie bankruptcy lawyer, will show you the light at the end of the tunnel when it comes to your finances.  Make Michael Schwartz your bankruptcy lawyer near me!  Call us today to schedule a free bankruptcy evaluation any of our three locations, Southampton, Perkasie or Havertown.

CLICK HERE TO SCHEDULE YOUR FREE BANKRUPTCY EVALUATION

"He was excellent from beginning to end. Responded every time immediately and answered all of my questions in a manner which I could understand. I absolutely would recommend him."

Dawn B.
Google Review

"Michael walked me through a scary situation for me with a very professional and caring approach. Every question I had was answered promptly. I highly recommend Michael."

Bryan W.
Google Review

"I was pleased with how honest and efficient Mike was. It took him one week to do what another attorney couldn't do in four months. He is highly thought of and I am grateful for all of the work he did..."

Chuck E.
Google Review

Chapter 7 or Chapter 13?

For individuals overwhelmed with credit card debt, personal loans, medical bill, mortgages, car loans, IRS debt, student loans or any other kind of debt, there are typically two types of bankruptcy that may be appropriate, depending on your situation: Chapter 7 Bankruptcy or Chapter 13 Bankruptcy.

CHAPTER 7 is a type of bankruptcy that will discharge unsecured debt so that you are no longer responsible for ongoing payments. Qualification for Chapter 7 bankruptcy is income based. Generally, the income in the household must be less than the Pennsylvania median income for the household size. You also must need all income in the household for your living expenses - there can be nothing left over to make payments to creditors to qualify for Chapter 7.  Chapter 7 is also a liquidation process. The bankruptcy Trustee will look for assets that can help repay the creditors. Any unprotected assets can be sold by the Trustee with the proceeds used to pay creditors.  It is critically important that you discuss your risks of losing assets in a chapter 7 bankruptcy with attorney Michael Schwartz so that you can make the right decision.

CHAPTER 13 bankruptcy is an alternative to Chapter 7.  If you do not qualify for Chapter 7, most likely Chapter 13 bankruptcy will be appropriate for you.  A Chapter 13 bankruptcy will force creditors into a monthly payment plan.  Like a chapter 7 bankruptcy, once the bankruptcy is filed collection must stop, including mortgage foreclosure actions. Very often, a Chapter 13 bankruptcy is used to stop a foreclosure or sheriff sale and force the mortgage company into a payment plan on what is owed. Chapter 13 bankruptcy works very will with IRS debt too. In Chapter 13, all interest and penalties stop during repayment. Sometimes, older IRS liability can be eliminated or repaid at a reduced rate. The amount of debt that will need to be repaid in a Chapter 13 depends upon income, expenses, assets, and debt. 

Michael Schwartz will provide a free evaluation and let you know your best alternatives.

CHAPTER 7 BANKRUPTCY
CHAPTER 13 BANKRUPTCY
BANKRUPTCY FORECLOSURES
CREDIT CARD RESOLUTIONS
IRS DEBT
LOAN MODIFICATIONS

OFFICE LOCATIONS

LOWER BUCKS COUNTY 

707 Lakeside Office Park

Southampton, PA 18966

(215) 396-7900

UPPER BUCKS COUNTY

101 North 5th Street

Perkasie, PA  18944

(215) 731-0400

DELAWARE COUNTY

101 East Darby Road

Havertown, PA 19083

(610) 352-1021

DIRECTIONS TO SOUTHAMPTON OFFICE
DIRECTIONS TO PERKASIE OFFICE
DIRECTIONS TO HAVERTOWN OFFICE
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