Pennsylvania Bankruptcy Attorney
Law Offices of Michael S. Schwartz
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101 N. 5th Street Perkasie, Pennsylvania 18944 USA |
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(215) 375-7346
www.bankruptcysupportservices.com
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Law Firm Overview
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The Law Offices of Michael S. Schwartz is dedicated to providing the highest standard of legal services to people in Bucks County, Delaware County, Montgomery County and Philadelphia County. We work with our clients to restore their financial health through the bankruptcy system and alternatives to bankruptcy. We use our experience and knowledge to work toward obtaining maximum debt relief for our clients.
Attorney Michael S. Schwartz has been helping people in Bucks County, Delaware County, Montgomery County and Philadelphia County obtain debt relief for more than 15 years. He is respected by clients, bankruptcy trustees and creditors for his integrity, honesty and fair dealing.
Mr. Schwartz can review your situation and recommend the right solution for you. For many of our clients, this is a Chapter 13 or Chapter 7 bankruptcy. These can reduce or eliminate many types of debts, stop foreclosure and repossession, and give you the opportunity to restore your financial health. We can also explore the possibility of a loan modification, a short sale or other alternatives to bankruptcy. Our objective is to pursue the debt relief option that is right for you.
Practice Areas
Practice Areas Description
Attorney Michael S. Schwartz can review your financial situation and recommend the right solution for you. We can advise and represent you in these and other matters:- Chapter 7 Bankruptcy
At the Law Offices of Michael S. Schwartz, we represent people and businesses in commercial and consumer bankruptcy and debt relief services, including Chapter 7 bankruptcy. We offer a free consultation to explain Chapter 7 bankruptcy and help our clients make informed decisions as to whether it is right for them. We want to pursue the best course of action for your financial situation.
- Chapter 13 Bankruptcy
While a Chapter 7 bankruptcy eliminates dischargeable debts, a Chapter 13 bankruptcy results in a payment plan to resolve all of your financial issues with an affordable monthly payment. For many people with a steady income, Chapter 13 bankruptcy offers a debt relief option that reduces debt payments and allows them to take back control of their finances. If you are overwhelmed by debt and need financial help, a Chapter 13 bankruptcy may be right for you. To schedule a free consultation with an experienced Bucks County Chapter 13 bankruptcy lawyer, call the Law Offices of Michael S. Schwartz.
- Stopping Foreclosure and Repossession
Are you behind on your mortgage or car payments? Are you threatened with foreclosure or repossession? You do not have to lose your home or personal property. The Law Offices of Michael S. Schwartz is a bankruptcy law firm that stops foreclosure, repossession and garnishments. We help our clients obtain debt relief and the opportunity to begin again.
- Loan Modifications
Our firm has experience in all aspects of loan modification. From the negotiation stage to completion of the final documentation, we will work diligently to obtain the best loan terms for you. We have contacts at many lenders and know how to reach decision makers at these institutions. Because Michael S. Schwartz is an attorney, mortgage lenders listen when we call. We understand how to negotiate and just how far we can press lenders on behalf of our clients. The Law Offices of Michael S. Schwartz will work to get you the best deal we can.
- Short Sales
In today's economic environment, many homeowners find themselves underwater. Their homes are worth less than the outstanding amount of their mortgages. Simply walking away from the mortgage is not an option, because the lender could pursue and obtain a deficiency judgment against you. A short sale is one possible solution. In a short sale, you arrange to sell your house to a third party and the mortgage lender agrees to settle for less than what the lender is owed. Does it sound neat and tidy? Properly executed the answer is yes, but the advice and services of an experienced attorney is essential to protect your interests and to avoid tax liabilities. The Law Offices of Michael S. Schwartz has successfully handled a number of short sales for Pennsylvania homeowners. We will work to achieve a short sale as quickly as possible, while avoiding possible adverse consequences.
- Divorce and Bankruptcy
It is often better to file for bankruptcy before divorcing, particularly when the couple has a significant amount of jointly held dischargeable debt, such as credit card debt and medical bills. A Chapter 7 bankruptcy does just that — it completely eliminates some types of debts. In addition, a Chapter 7 bankruptcy can be achieved in as little as six months, before the divorce is finalized. You may be able to achieve debt relief in a shorter time frame than the divorce process. Attorney Michael S. Schwartz has helped many people in this situation obtain a new financial start. In your case, our firm will work to obtain maximum debt relief so that you can make a successful transition to your new life.
- IRS Debts
Tax debts do not go away on their own. They continue to grow through interest and penalties, and eventually, the IRS will take action. They can place a tax lien on your property and eventually sell it in satisfaction of the tax debt. Before it reaches this critical point, you should speak with a knowledgeable attorney. By filing for bankruptcy and through other means, it may be possible to obtain a discharge of your tax debts. Contact the Law Offices of Michael S. Schwartz for a free consultation.
- Alternatives to Bankruptcy
For some people, debt relief may come in the form of a Chapter 7 bankruptcy. Chapter 7 may also provide debt relief for a business that has significant debts. For some people, a Chapter 13 bankruptcy may be the answer. For others, alternatives to bankruptcy such as a consolidation loan or other possibilities to bankruptcy may be preferential to bankruptcy. Some of the alternative debt relief services we provide include home foreclosure defense litigation, refinance, and predatory lending litigation in federal court. To learn more about our bankruptcy alternative services, call (215) 375-7346.
- Defense of Credit Card Lawsuits
At the Law Office of Michael S. Schwartz, we represent people who face lawsuits from credit card companies and third party collection agencies. In your free consultation, we will inform you of possible defense strategies and help you choose the one that works best for you. Possible defense strategies include: Determining how long you had debt: In Pennsylvania, a credit card company cannot pursue a lawsuit against you if your debt is more than four years old and you have not paid on your credit card during those four years. Disputing assignments: Credit card companies often assign debt collection to a third party. Unless this company has a valid assignment from the original creditor, it cannot legally sue you for the credit card debt.
More Information on Law Offices of Michael S. Schwartz
Southampton, PA Chapter 7 Bankruptcy AttorneySouthampton, PA Chapter 13 Bankruptcy Lawyer
Stop Foreclosure Lawyer in Southampton, PA
IRS Tax Debts Attorney in Southampton, PA
Southampton, Pennsylvania Short Sale Attorney
Southampton, PA Credit Card Lawsuit Defense Lawyer
Southampton, PA Creditor Harassment Lawyer
Loan Modification Lawyer in Southampton, PA
Law Offices of Michael S. Schwartz News and Publications
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Other Offices
- USA - Pennsylvania, Havertown
- USA - Pennsylvania, Southampton - Main Office
