Bankruptcy

Hopkins Heltzel Law Firm possesses more than 30 years of experience helping individuals, families and small businesses with debt relief.

We offer personal attention and a positive approach to Pennsylvania bankruptcy proceedings.

No one walks into our office having planned to file for bankruptcy. They arrive frustrated, exhausted and unsure how to move forward with their lives. We walk you through the process of filing a Chapter 7 bankruptcy to a new beginning.

A Chapter 7 bankruptcy is a federal law that allows individuals and families in financial difficulty to discharge their debts and start over. Most credit card debts, lines of credit, bank loans, medical bills and past due accounts are discharged in a Chapter 7 bankruptcy. Congress calls this the "fresh start" approach to financial recovery.

Chapter 7 bankruptcy offers protection from harassing creditors. It stops creditors from calling you, attaching your bank accounts or other collection activity. The vast majority of people who file a Pennsylvania Chapter 7 bankruptcy keep all of their property. You are allowed in a Chapter 7 bankruptcy to keep your vehicle, house, bank accounts and retirement plans.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.