Chapter 7 Bankruptcy
Law Offices Of Michael A. Latzes
Serving Philadelphia & Surrounding Counties
Chapter 7 Bankruptcy Philadelphia, PA
Filing for Chapter 7 is the most popular way to get out from under a debt burden. It’s known as debt liquidation bankruptcy. Whether you are an individual or married couple, you own a business or you are a blue-collar worker, a Chapter 7 bankruptcy lawyer, with 40 years of experience, who is the principal of The Law Offices of Michael A. Latzes, can help resolve your situation before things get worse.
To be eligible for Chapter 7, individuals must meet a certain threshold limit of income and expenses, which is determined by a "means test." Also, your assets may not exceed certain exemption amounts to qualify for Chapter 7. We can help you determine whether you would qualify and help lay out an effective plan going forward.
With our guidance, you will be able to eliminate most of your unsecured debts, including credit card debt, judgments, medical bills, some taxes, and delinquent utility bills.
At the end of your proceeding, a debt discharge is ordered by the court. The discharge order eliminates many of your debts as noted on your credit report, assisting in your obtaining a fresh start. Unfortunately, some debts cannot be discharged, such as child support or alimony, debts created by fraud, student loans (with some exceptions), and once again, some types of tax debt.
The advantages of filing for Chapter 7 include:
- Stopping collection actions and lawsuits
- Stopping utility shut-offs
- Stopping car repossessions
- Stopping IRS collections and wage garnishments
The Law Offices of Michael A. Latzes is ready to provide your free consultation. We will help you decide the best option for you. If you live in Philadelphia or any of the surrounding counties, then let us help you take control of your financial future today.
You may Call, Text, or Email, The Law Offices of Michael A. Latzes, 24/7, to discuss your legal matter or schedule an appointment.
Our offices serve clients in Philadelphia, Montgomery, Bucks, and Delaware Counties.
Should an office visit be inconvenient, consultations can be provided via telephone or the internet. (Zoom, Face time, etc.) Also, appointments can be scheduled most evenings and weekends. Payment plans are available.
To better assist you, please take advantage of our online questionnaire. Once your information is received, we are committed to responding within 24 hours.
To better assist you, please take advantage of our online questionnaire. Once your information is received, we are committed to responding within 24 hours.
Reviews from our happy customers
★ ★ ★ ★ ★
Michael, Philip and I just want to express our profound appreciation. From our first meeting your professional excellence provided us hope with our overwhelmed debt. We had overextended our many attempts in getting control. Today is the day that the Lord has made; your compassion and most wise support will never be forgotten.Philcat Carter
★ ★ ★ ★ ★
I have worked w/Attorney Latzes a couple times. During my time of need he made himself available, responded quickly, and provided expert advice which helped to ease my mind significantly. His staff is great! I felt very supported and confident that my issues would be resolved and they were. He has never disappointed me! A good attorney is hard to find, I would recommend this one over and over again! Thank you Attorney Latzes!!!Letha Thornton
★ ★ ★ ★ ★
My husband and I fell on hard times and didn't know where to turn. I found Michael on the internet and figured I'd give him a call. He came to our house and spent a few hours explaining our options. His compassion mixed with his knowledge of the bankruptcy process was priceless. He walked us through every step of the way and made the process stress free. Today my husband and I were able to keep our home and are debt free thanks to Michael. If you are experiencing any kind of financial hardship and need legal advice, I highly recommend him.Loretta DeCello
★ ★ ★ ★ ★
I was in a deep hole after I left my husband. I decided the best thing for me was to file a Chapter 7. I talked too a few lawyers but when I talked to Michael,I knew I made the right decision. He was very forward and direct with what I should do. He accommodated me and met me at his Jenkintown office. The whole process was quick and easy. If you are looking for a no nonsense lawyer that will handle your case,please retain him,you wont be disappointed.Daphne Lampkin
★ ★ ★ ★ ★
My experience with Michael was excellent, Michael and his assistant Eileen was very professional. They were there for me every step of the way, and answered every question and help me with my bankruptcy case till the end. I will definitely recommend this firm to everyone.Stephanie Marie
★ ★ ★ ★ ★
Mr. Latzes is the best to work with . I came to him in a desperate time in my life. I was behind in my mortgage and he set up a plan for me to pay off all my debts. Because of his help and I am now debt free. It has been a wonderful experience working with Mr. Latzes. I would truly recommend him to anyone that is having trouble and thank him for all his kindness and good work. He is the GREATEST!Shirley
★ ★ ★ ★ ★
When I went to Michal for assistance I had low expectations given the financial position I was enduring. I am a difficult customer. Michael more than helped me out financially, his empathy afforded me dignity throughout the process. EXTREMELY RECOMMEND for FINANCIAL ISSUES!William Pastore
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