💼 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.

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⚖️ 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.

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🛠️ 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.

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💼 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

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🧭 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.

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