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Bankruptcy Laws in Pennsylvania | Chapter 7 Lawyers & 13 Attorneys
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Pennsylvania Bankruptcy Laws

The United States parliament has always had the mandate to provide bankruptcy laws that protect all Americans in debt legal suits. These are supposed to be uniform and applicable to all States except for a few exemptions as may be provided by a State. The State of Pennsylvania has provided these exemptions that would protect the debtor from loosing all their assets.

 

Bankruptcy Exemptions for Pennsylvania

The exemptions stated in the Pennsylvania State bankruptcy laws do not include those of homestead as in most other states. In fact, Pennsylvania has been taunted as one of most hostile State to debtors and may be contributing to few cases filed under this law in the State of Pennsylvania. The major exemptions in the bankruptcy law of Pennsylvania are the wearing apparels, books including bible, uniforms, retirement benefits, social security benefits and workman compensation. If you have retirement funds that have matured and due in the account, they should not be attached to a creditor.


Chapter 7 Bankruptcy Law for Pennsylvania

Most people in Pennsylvania prefer to be charged under the Pennsylvania chapter 7 bankruptcy laws. This is also known as the simple and straight forward bankruptcy application. All assets except those in the exemption list can be liquidated and the amount raised used to pay off the debt.

 

Chapter 13 Bankruptcy Law for Pennsylvania

The Pennsylvania Chapter13 bankruptcy laws allow you to be able give a plan to the creditor on how you can repay your debt without having to liquidate your assets. The honors will be within you to demonstrate that you have the ability to repay the debts in a regular interval without fail. This may be better because it allows you to continue living your life with all the assets. It has the benefit of reducing the amount that is paid as interests are waived.

 

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