Siddons Law Firm

If you want to keep your secured property, you must pay 100% of the debts secured by a tax lien, 100% of the arrearage amount, and pay back a small portion of the debt monthly.

Most debtors prefer Chapter 7 because it is cheaper and faster than Chapter 13. A significant portion of filers qualifies for Chapter 7 after taking the means test, which is used to analyze one’s family size, expenses, and household income to determine eligibility.

The end goal of a Chapter 13 bankruptcy is often the discharge of your remaining debts. An attorney can help you through every step of the way to ensure you have the best chances of achieving a successful Chapter 13 discharge.

The trustee plays a key role throughout every Chapter 13 case, including working with you and your creditors to design a feasible payment plan and ensuring that all of the information you provided to the court is correct.

Many people do not understand why they would make payments for three to five years when they could simply seek a discharge through Chapter 7 bankruptcy. However, Chapter 7 is not available for individuals or couples who have more than a certain amount of income each month. If you have regular income, you can instead qualify for Chapter 13 as you can demonstrate your ability to make the court-ordered payments.

Insolvency occurs when your debts are greater than your assets or you no longer have the ability to pay your debts. Generally, people file bankruptcy to try to resolve their insolvency.

Chapter 13 is a perfect situation for people who are trying to stop mortgage foreclosure, sheriff sales, or upset tax sales.

If you are considering filing for Chapter 11 bankruptcy, the first thing you should do is speak with an experienced attorney immediately. If your business is more valuable as an operating business than as the sum of its parts, Chapter 11 bankruptcy may be a great option for you.

If you are like most people, you may have concerns about being able to keep your property if you file for Chapter 7 bankruptcy. After all, the fundamental idea behind Chapter7 is the liquidation of a debtor’s assets in order to pay off creditors.

Jessie: The Law Offices of Michael Alan Siddons, Esquire has been meeting the legal needs of individuals, municipalities, companies and professionals for almost twenty years. Mr. Siddons has been practicing law since 2002 and has earned the Martindale-Hubbell legal ability rating of AV, signifying very high to preeminent- the highest rating available, is AVVO rated “Superb" 10.0 out of 10.0 and is the recipient of the American Institute of Bankruptcy Attorney “2014 10 Best Bankruptcy Attorneys in Pennsylvania for Client Satisfaction Award.” Our firm has offices strategically placed throughout the region to serve the interests of our clients throughout Pennsylvania, New Jersey, Maryland and New York.

Availability! Our bankruptcy lawyers will dedicate their time and efforts to handle your case and deliver superior results in a timely manner.

To be eligible for our zero down Chapter 7 program, you MUST BE: • Employed – full or part time • Make at least $25,000 annual gross income • Pass the MEANS test Our $0 Down Chapter 7 Bankruptcy program is a perfect option for those who have been overwhelmed with debt, need to file bankruptcy now BUT do not have the funds to retain private legal counsel.

We offer a $0-down Chapter 7 program, and if you qualify, we can file your case now, get the creditors off your back, and get you on a path to a fresh start. Our $0 down Chapter 7 program allows you to make monthly, bi-monthly, or weekly payments to pay for your bankruptcy case. Our law firm can help you get the relief you need NOW!

Yes. Clients interested in scheduling an appointment with our firm can contact our office 24/7 to speak to a live receptionist.

You can call us, send an email or pass by our office to book an appointment with our professional.

Whenever you are overwhelmed by debts; and don’t have the cash to file for bankruptcy, our attorneys will help you.

Yes! All our professionals have attained all the necessary standards, hence being certified and licensed to provide bankruptcy services.

Yes! By hiring our team of professionals who will assist you fix your financial situation.

Yes! We pay the required attention to make sure that our representation meets the requirements of every client.

What type of references are you looking for?

An experienced lawyer guides you to decode mortgage contracts, leases, and defend you from complications associated with the property.

A personal injury lawyer ensures that you are adequately compensated through arguing your case in court or settling out of court and ensuring that insurance companies don’t take advantage of your situation.

Yes, the law allows you to, although it’s not recommended as attorney’s services are crucial and making any mistake can lead to a case being thrown out.

Your lawyer can determine the quality of the outcome of the case fairness as he/she handles the steps and ensures you get compensated

Yes, our lawyers have argued different cases, and we provide you with one who is experienced in a similar issue.

Yes, with an experienced lawyer, he/she can take advantage of chapter 13, which allows you to keep most of your property.

Our highly experienced staff have mastered chapter 7 and chapter 11 very well to help you or your business win a bankruptcy case.

Yes, a lawyer who's been in service has the necessary experience to know challenges expected and how to handle such issues.

It’s usually recommended around $25000 in debt, but you can still file for bankruptcy for less.