Financial troubles can spiral out of control fast. Growing debt, relentless creditor calls, and the risk of foreclosure or repossession create ongoing pressure that can be overwhelming. Bankruptcy provides a lawful way to discharge or reorganize debt and restore stability to your financial future.

Why Choose Mette Law?

For more than 50 years, our firm has served individuals and families throughout Pennsylvania facing financial challenges. We provide thorough, forward-thinking legal solutions that address both immediate concerns and long-term economic stability. Helping clients resolve their legal challenges is our greatest reward, which is why we pair creative strategies with a strong record of success.

Our approach centers on delivering practical legal guidance customized to fit your unique personal and professional circumstances. We take the time to understand your complete financial picture before recommending the bankruptcy chapter or debt relief strategy that best serves your interests.

Understanding Bankruptcy in Reading, PA

Pennsylvania law provides specific exemptions that protect certain property during bankruptcy proceedings. Under 42 Pa. C.S. Section 8124, Pennsylvania debtors may exempt certain real and personal property from the bankruptcy estate, allowing them to retain essential assets while obtaining debt relief. Understanding and properly applying these exemptions is critical to maximizing the property you can keep during bankruptcy.

Chapter 7 Bankruptcy in Pennsylvania

Chapter 7 bankruptcy eliminates most unsecured debts through liquidation. However, it does not eliminate certain obligations, including child support, spousal support, recent tax debts, most student loans, and debts arising from fraud. However, qualifying debtors can discharge:

• Credit card debt
• Medical bills
• Personal loans
• Utility arrears
• Past-due rent
• Certain tax obligations
• Deficiency balances from repossessions
• Civil judgments

Chapter 13 Bankruptcy in Pennsylvania

Chapter 13 bankruptcy allows individuals with regular income to reorganize their debts through a structured repayment plan lasting three to five years. Filers keep their property while catching up on secured debt obligations:

• Mortgage arrears
• Vehicle loan balances
• Tax debts
• Child support arrears
• Student loans
• Priority debts
• Secured property retention
• Codebtor protection

How Our Bankruptcy Lawyer in Reading Helps You Navigate the Process

At Mette Law, we support clients at every step of the bankruptcy process, from the first consultation to final discharge. Our comprehensive representation covers every aspect of your case:

• Evaluating your financial situation and recommending appropriate relief options
• Completing required credit counseling and debtor education courses
• Preparing and filing all bankruptcy petitions and schedules
• Representing you at the meeting of creditors
• Negotiating with creditors on disputed claims
• Defending against objections to discharge
• Advising on rebuilding credit after bankruptcy
• Handling adversary proceedings when necessary

Consult a Reputable Bankruptcy Lawyer in Reading Now

Crushing debt doesn’t have to control your life. Federal bankruptcy law provides a legitimate way for honest individuals to escape unmanageable financial obligations. Acting promptly can halt creditor calls, stop wage garnishments, and help you begin rebuilding your financial stability. Contact Mette Law at 717-232-5000 or complete our online contact form to schedule a consultation with an experienced bankruptcy lawyer in Reading.