Personal Bankruptcy Information     Your online reference source for bankruptcy           Chapter Bankruptcy     Chapter is designed as an orderly court supervised procedure by which a trustee collects the assets of the debtors estate reduces them to cash and makes distributions to creditors subject to the debtors right to retain certain exempt property and the rights of secured creditors Because there is usually little or no nonexempt property in most chapter cases there may not be an actual liquidation of the debtors assets These cases are called no asset cases Usually a debtors with assets that they wish to keep and that are not covered by exemptions file A creditor holding an unsecured claim will get a distribution from the bankruptcy estate only if the case is an asset case and the creditor files a proof of claim with the bankruptcy court In most chapter cases the debtor receives a discharge that releases the debtor from personal liability for certain dischargeable debts The debtor normally receives a discharge three to four months after the petition is filed                                

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Chapter Bankruptcy Southwestern Pennsylvania Chapter Bankruptcy Attorneys Local Lawyers for Local Problems Filing for Chapter bankruptcy is still available for most people The new bankruptcy laws have made filing for Chapter bankruptcy more complex including required means testing and credit counseling The complexity of the new bankruptcy laws has increased the importance of hiring an experienced personal bankruptcy lawyer You need the Chapter Bankruptcy Attorneys at Zebley Mehalov & White P C We are the leading Chapter bankruptcy law firm headquartered in southwestern Pennsylvania We have offices located in Uniontown and the Mon Valley Pennsylvania to assist our clients Our attorneys have worked on more than bankruptcy cases and we are a proud to serve as a debt relief agency helping people file for bankruptcy relief under the Bankruptcy Code Working Closely with Our Clients Deciding to file for Chapter bankruptcy is a difficult decision Most people end up in bankruptcy as a result of a death unexpected medical bills or the loss of a job We work to help our clients find solutions to their financial problems will meet with you in a free in person initial consultation to help determine if bankruptcy is the right course for you

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