💼 Bankruptcy Help for Consumers:

Chapter 7 & Chapter 13 Explained

Regain Control of Your Finances with Trusted Legal Guidance

Are you overwhelmed by credit card bills, medical debt, or missed mortgage payments? Struggling to keep up with creditors and collection calls? You’re not alone—and you don’t have to face financial hardship without support.

At Ginsburg Law Group, PC, we help individuals and families in Pennsylvania get a fresh start through Chapter 7 and Chapter 13 bankruptcy. With personalized attention and experienced legal guidance, we can help you understand your options, protect your assets, and move toward financial peace of mind.

⚖️ What Is Bankruptcy?

Bankruptcy is a legal process designed to help honest people who have fallen into unmanageable debt. It allows you to either eliminate or restructure your debts under the protection of the federal court.

There are two primary types of bankruptcy for individuals:

• Chapter 7 Bankruptcy – Liquidation and discharge of most unsecured debts

• Chapter 13 Bankruptcy – A repayment plan that allows you to catch up on debts over time

Each offers powerful tools to stop creditor harassment, prevent foreclosure or repossession, and wipe the slate clean.

🧾 Chapter 7 Bankruptcy – A Fresh Start

Chapter 7 is the most common form of bankruptcy and is often referred to as a “straight bankruptcy” or “liquidation bankruptcy.” It allows you to eliminate many types of unsecured debts quickly and permanently.

✅ You may qualify for Chapter 7 if:

• You have mostly unsecured debt (like credit cards, medical bills, personal loans)

• You have little to no disposable income after paying essential living expenses

• You pass the means test (which compares your income to the state median)

💸 Debts That Can Be Discharged:

• Credit card balances

• Medical bills

• Utility bills

• Payday loans

• Personal loans

• Certain old tax debts

• Deficiencies from car repossessions

🛡️ What Chapter 7 Protects You From:

• Lawsuits and wage garnishments

• Collection calls and letters

• Utility shut-offs

• Foreclosure or eviction (temporarily)

🏠 What You Can Keep:

Many people who file for Chapter 7 keep all their property. Exemptions allow you to retain essentials like your home, car, clothing, household goods, and retirement accounts.

We’ll help you assess whether Chapter 7 is the right solution—and make sure your property is protected.

📆 Chapter 13 Bankruptcy – A Path to Reorganization and Asset Protection

If you earn a steady income but have fallen behind on mortgage, car, or tax payments, Chapter 13 may be your best option. This form of bankruptcy allows you to reorganize your debts into a 3- to 5-year repayment plan based on your budget.

✅ You may benefit from Chapter 13 if:

• You’re behind on mortgage or car payments and want to avoid foreclosure or repossession

• You don’t qualify for Chapter 7 due to higher income

• You owe non-dischargeable debts like taxes or child support

• You have valuable assets you want to keep

🔁 How Chapter 13 Works:

• You make monthly payments to a bankruptcy trustee based on your income and expenses

• You can catch up on mortgage, car, and tax arrears

• Creditors are legally bound to the repayment plan

• At the end of the plan, remaining eligible debt is discharged

🏡 Save Your Home or Car

Chapter 13 is a powerful tool for stopping foreclosure, repossession, or tax liens. It allows you to catch up on missed payments over time while keeping your property.

🛠️ How We Help You Through the Bankruptcy Process

At Ginsburg Law Group, PC, we offer compassionate, skilled legal guidance every step of the way. Bankruptcy isn’t just about paperwork—it’s about protecting your family, your peace of mind, and your future.

📝 Step 1: Free Initial Consultation

We’ll discuss your financial situation, review your debts, assets, income, and goals, and determine which bankruptcy option is right for you.

🔍 Step 2: Pre-Bankruptcy Planning

We help you gather all necessary documents (tax returns, pay stubs, bills, etc.) and explain what to expect, including credit counseling requirements.

📂 Step 3: Filing Your Bankruptcy Petition

We prepare and file your bankruptcy petition with the court, ensuring accuracy and compliance with all legal requirements.

🧑‍⚖️ Step 4: Trustee Meeting (341 Meeting)

You’ll attend a short meeting (usually by phone or video) with the bankruptcy trustee. We prepare you thoroughly and attend with you.

🔚 Step 5: Discharge of Debts (Chapter 7) or Plan Confirmation (Chapter 13)

In Chapter 7, debts are typically discharged within 3–6 months. In Chapter 13, your plan begins once the court confirms it, and we support you throughout the repayment period.

❓ FAQs About Consumer Bankruptcy

Will I lose my house or car?

Not necessarily. Exemptions often allow you to keep your home and car, especially in Chapter 13. We’ll help you protect what matters most.

Will bankruptcy ruin my credit forever?

No. While bankruptcy affects your credit, many clients see their credit improve within 12–18 months—especially if they eliminate large debts.

Can bankruptcy stop foreclosure or repossession?

Yes. The automatic stay halts most collection efforts immediately—including foreclosure and repossession—giving you breathing room.

How much does bankruptcy cost?

We offer affordable, transparent flat fees and payment plans. Your initial consultation is always free.

💼 Why Choose Ginsburg Law Group, PC?

• ✅ Experienced in Chapter 7 & Chapter 13 consumer bankruptcy

• ✅ Compassionate, respectful, and judgment-free service

• ✅ We handle everything—forms, filings, deadlines, court appearances

• ✅ Personalized strategies that fit your unique financial goals

🧭 Ready for a Fresh Start?

Don’t wait another day to take back control of your financial future. Whether you need to eliminate debt or reorganize it into something manageable, bankruptcy may be the solution you’ve been looking for.

At Ginsburg Law Group, PC, we’re here to guide you through every step—with compassion, experience, and results.

📞 Call us today for a free, confidential bankruptcy consultation – 855-978-6564 or email us at bankruptcy@ginsburglawgroup.com.

Contact our Bankruptcy Team: bankruptcy@ginsburglawgroup.com

We work with most major legal services and legal insurance plans.  Some cover your legal fees for bankruptcy services.  Give us a call today to see if your bankruptcy is covered!

CLIENT RESOURCES

Need to pay fees or expenses?  PAY HERE

Looking for your case status?  CLICK HERE

Upload Documents: CLICK HERE

Credit Counseling Courses: CLICK HERE

Debtor Education Courses: CLICK HERE

Meet with Attorney: CLICK HERE (Password: Ginsburg)

Get Property Value: CLICK HERE

Chapter 13 Payments: CLICK HERE

Access Case Information: CLICK HERE

Trustee Info on Zoom: CLICK HERE

EDUCATIONAL RESOURCES 

Chapter 7 Basics: CLICK HERE

Chapter 13 Basics: CLICK HERE

Bankruptcy Information Sheet: CLICK HERE

341 Information:  CLICK HERE

Sample 341 Questions: CLICK HERE

Preparing for Your 341: CLICK HERE

Chapter 7 Calculator: CLICK HERE

Test Zoom: CLICK HERE

BANKRUPTCY TEAM

AMY GINSBURG – aginsburg@ginsburglawgroup.com

GRACIE KLEIN – gklein@ginsburglawgroup.com

ALICIA RISPOLI – arispoli@ginsburglawgroup.com

BRYAN TABAMO – btabamo@ginsburglawgroup.com