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Most people who schedule an initial consultation with one of our bankruptcy attorneys at Foster Law Offices, LLC, come into our office asking the same question—how will this process actually help me? The answer is simple, filing for bankruptcy ultimately seeks to provide you with relief from the burden of debt. The relief bankruptcy can provide is both immediate, through the Automatic Stay, and long-term, once the bankruptcy is completed and a discharge is received.

When an individual files for bankruptcy, an Automatic Stay takes effect. These provisions will stop a sheriff sale, as well as, prevent creditors from continuing their often aggressive collection attempts. While in effect, creditors cannot garnish your wages and must cease all collection efforts including the harassing phone calls. Further, utility companies, including your water and electric companies, are prohibited from turning off your service. According to many of our clients, the immediate relief provided by the Automatic Stay, which prohibits further attorney collection and offers peace—is priceless.

While the Automatic Stay offers temporary relief, a bankruptcy discharge can offer permanent relief, removing personal liability from certain types of debt. In an example, medical bills and credit card debt can often be discharged in a Chapter 7 bankruptcy. Upon successful completion of a Chapter 7 or Chapter 13 bankruptcy, debtors will receive a Court Order which identifies which debts will be discharged in the bankruptcy. It is important to note that not all debts can be discharged. Student loan debt, debt related to criminal activity, or child support is not typically dischargeable. In order to accurately determine which of your debts will be dischargeable, you should meet with a licensed Pennsylvania bankruptcy attorney. Every bankruptcy is unique to the individual filing, and should be carefully crafted by an attorney to address your specific debt-related issues.

Don’t suffer with debt for one more day. The bankruptcy process allows individuals and families, alike, to obtain freedom from the burden of debt. There is no minimum amount of debt required to file and most times you can keep your stuff! Contact Foster Law Offices, LLC today at 877-673-3282 or visit us online at to learn more about filing for bankruptcy or to schedule a free consultation in one of our offices.