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For many years, homeowners struggled with attempting to modify their mortgage in hopes of saving their home. As a result, the Home Affordable Modification Program (HAMP) was enacted in 2009 as part of the making of a home affordable program. This was a direct result...

Your credit score reflects your financial habits over the years, taking into account factors such as missed payments, credit utilization, and the length of your credit history. Your credit score is financially important, because it is used by banks and lenders to...

If you’re a college graduate in Pennsylvania, and you’ve been struggling to stay current on your student loan bills, bankruptcy might offer a solution. However, bankruptcy can only eliminate student loan debt under specific circumstances, which means you will need to...

Many potential bankruptcy filers are, at first, quite hesitant to file a bankruptcy, mostly out of fear that they may lose their home and other assets. While the concern is quite legitimate and, in some cases, even a real possibility, it is a question that we are...

Individual consumers must always file a bankruptcy case in their name only, while married couples have the option to file a case jointly. However, this is not a requirement, and in some cases, it may not be advantageous to do so. Often times, only one spouse may have...

You may be surprised to learn that there are different types of bankruptcy. Each type is called a “chapter.” Most people who file for bankruptcy in Pennsylvania use either Chapter 7 or Chapter 13. It is crucial to understand how they are different, so that you are...