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Cowan & Kelly
Providing Quality Representation Since 1985

Implementing Solutions For Debt Relief

Debt can be like an anchor around your neck. The deeper you get, the higher the fees, late charges, interest... it is truly a vicious cycle. The good news is that debt relief is possible under the U.S. Bankruptcy Code. With the help of an experienced attorney, you can use the law to get yourself out of debt once and for all and remove that weight off your shoulders.

Are you considering bankruptcy? Call our skilled lawyers at 215-741-1100 to discuss your bankruptcy options, and learn how to stop harassing creditor calls.

Understanding Your Bankruptcy Options

There are several options to file for bankruptcy depending upon your circumstances, and whether you are filing on behalf of a family or a business. Our attorneys can skillfully evaluate your situation and guide you through:

  • Chapter 7 bankruptcy, also known as liquidation bankruptcy, is a means to getting a fresh financial start. It is typically used to discharge credit card debt, medical bills and other unsecured debts.
  • Chapter 11 bankruptcy is an effective method for business owners to restructure their debt. In a Chapter 11 bankruptcy, a business is still allowed to operate but must do so under the supervision of the Bankruptcy Court.

  • Chapter 13 bankruptcy, commonly referred to as reorganization bankruptcy, is a way to restructure existing debt. The debtor or debtors submit a repayment plan for approval. The plan can help with mortgage payment arrears, car payments, and IRS or other tax debts. The plan also helps with unsecured debt. Unsecured debt is paid without interest and typically is based upon what you can offer, not what you owe.


Helpful Documents

Bankruptcy Checklist

Bankruptcy Disclosure


Contact Us To Regain Control Of Your Financial Future

No matter what type of bankruptcy you are filing for, Cowan & Kelly can help. We have studied and practiced Pennsylvania bankruptcy law, and we are able to guide our clients through the process from beginning to end.

If you are considering filing for bankruptcy, please call our Langhorne office at 215-741-1100 or contact us online. While many people are intimidated by the prospect of bankruptcy, it can actually be an effective tool for improving your financial future.

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

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