The Law Offices of David M. Offen

07/26/2017

Behind on house payments? Chapter 13 is likely the best choice for you. Call us today so we can discuss which opptions are available to you.
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07/15/2017

Don’t be fooled - spouses are not required to file bankruptcy together. If you are married you can file alone. Speak with one of our experienced attorneys today to get answer to all your questions.
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07/02/2017

If you file chapter 7 bankruptcy you may be able to keep some items that still have loans against them. Call today. Speak with one of our experienced attorneys to see if this applies to you.
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06/26/2017

Many people believe filing for bankruptcy will also damage their spouses credit. In most cases, this is simply not true! Call us today so we can discuss the specifics of your situation today.
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06/11/2017

Concerned that filing for bankruptcy will mean that you will never qualify for credit again? An experienced bankruptcy attorney will advise you how you can begin rebuilding your credit once the bankruptcy is completed. Let our experience work for you. Call our office today!
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05/25/2017

When it comes to bankruptcy, there are a many pitfalls you need to avoid. Prioritizing where to apply your hard-earned dollars is one of them. Should you pay certain creditors, medical bills, money owed to relatives, etc? Talk to an experienced lawyer and find out why these decisions can affect your case.
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02/12/2017

Philadelphia Chapter 13 Bankruptcy Car Repossession Violation costs Creditor $17,500 getfreeofbills.com/philadelphia-chapter-13-bankruptcy-car-repossession-violation/

Car dealer repossessed car after Debtor filed Bankruptcy. The Philadelphia Chapter 13 Bankruptcy repossession violation resulted in costing dealer $17,500.

03/28/2016

Can Refinancing Stop Foreclosure in Philadelphia? from David M. Offen You may be able to stop the foreclosure process by refinancing your mortgage. Learn more about refinancing foreclosure in Philadelphia in this presentation. The post Can Refinancing Stop Foreclosure in Philadelphia? appeared first on The Law Offices of David M. Offen.

You may be able to stop the foreclosure process by refinancing your mortgage. Learn more about refinancing foreclosure in Philadelphia in this presentation.

03/27/2016

If you have made the decision to file for bankruptcy, you are likely eager to move forward as soon as possible. You know that bankruptcy provides a financial fresh start, and you are in a hurry to put your financial problems behind you. However, it is sometimes best to wait to file. You should be aware of what not to do before filing bankruptcy. The reason is that bankruptcy courts look back at your financial activity over a period of time. The general overall lookback period is one year, but certain actions may be considered for a shorter or longer period of time. Once you make the decision to file, wait until enough time has elapsed if you have performed any of these actions. Move Assets Moving funds to someone else’s bank account, transferring vehicle titles, removing your name from bank accounts or business ventures, and deeding real estate to another person are just a few examples of asset moves that are looked upon unfavorably by the courts. These could result in a denia

Want to know what not to do before filing a bankruptcy? get this and other expert advice from The Law Offices of David M. Offen

02/19/2016

Many people ask the question of How Does Bankruptcy Work? Filing for bankruptcy is an honest and legal way to get out from under debt. It provides a chance to get a fresh financial start, and is shrouded in a great deal of myth and legend. If you are considering bankruptcy, you might feel overwhelmed, anxious, and unsure of where to begin. Here is what you need to know to decide whether bankruptcy is the best choice for you. How Does Bankruptcy Work? Bankruptcy in various forms has been a part of human society since ancient times. Its protection is particularly strong in the United States today, due to concerns about human rights and people being given a chance for a fresh start. Bankruptcy releases people from obligations that, due to unforeseen circumstances, they can no longer pay, and helps to ensure that they do not become effectively enslaved by predatory lenders. Of course, there are also laws in place to protect creditors and to ensure that people do not run up fraudulent deb

Want to know how bankruptcy works? Get this and other expert advice from The Law Offices of David M. Offen

02/14/2016

File Bankruptcy Twice? What happens if I file bankruptcy twice? There is no legal limitation on the number of times you can file for bankruptcy. However, a certain period of time must elapse before a second (or third, etc.) bankruptcy can be discharged. How long you must wait depends on the type of bankruptcy you previously filed, the type that you want to file now, and the final disposition of your previous bankruptcy. You will want to know what happens before you file bankruptcy twice or more. Same Chapter Filings If your previous bankruptcy was a Chapter 7, and it was fully discharged, you cannot have another Chapter 7 bankruptcy discharged if it was filed less than 8 full years after your original bankruptcy’s filing date. Double check your filing date from your previous bankruptcy if you are not absolutely certain that 8 years have elapsed. If your previous bankruptcy was a fully discharged Chapter 13, you must wait 2 full years from your original filing date before filing for

Want to know if you can file bankruptcy twice (or more)? Get this and other expert advice from The Law Offices of David M. Offen - (215) 625-9600.

12/10/2015

When bankruptcy becomes a “real” option in your mind, there are questions you need to answer. Doing so will allow you to learn more about the process, assess your situation, and help you make a final decision. There are a variety of questions to answer before deciding in favor of bankruptcy. These include but are not limited to; What are the benefits of filing for bankruptcy? What are the drawbacks of filing for bankruptcy? What type of bankruptcy filing is best for me? Chapter 7? Chapter 13? What is the process for getting started? How long does it take for the bankruptcy process to come to an end? Will I lose some or all of my property along the way? Is your spouse onboard with this idea? Have you considered other options, such as debt consolidation? Are you okay with the idea that bankruptcy will damage your credit? Will you file on your own or hire a bankruptcy attorney to guide you from beginning to end? These questions, among others, can help you better understand the ins an

Questions to answer before deciding to file for bankruptcy.