What Is Bankruptcy

Types of Bankruptcy

What Can I Keep

What About My Cars and House

Will It Wipe Out My Debts

Income Tax Refunds

Retirement Accounts

Will I Have To Go To Court

Mortgage Foreclosures

Documents You Need to Gather to File

Required Credit Counseling Courses

Attorney Profiles

Bankruptcy Brochure



Central PA Office

4076 Market Street
Suite 209

Camp Hill, PA 17011

(717) 975-0500


Western PA Office

1149 Municipal Drive
PO Box 663

Duncansville, PA 16635

(814) 693-0500


Franklin County

(717) 709-0500


(888) 249-9660 (toll free)

(814) 693-0501 (fax)





















Can I Own Anything After Bankruptcy?

Yes! Many people believe they cannot own anything for a period of time after filing BK.  This is not true.  You can keep your exempt property and anything you obtain after the BK is filed.  However, if you receive an inheritance, property settlement, or life insurance proceeds within 180 days after filing for BK, that money or property may have to be paid to your creditors if the property or money is not exempt.

Will Bankruptcy Affect My Credit?

There is no clear answer to this question.  Unfortunately, if you are behind on your bills, your credit may already be bad.  BK will probably not make things any worse.

The BK can appear on your credit record for 10 years, but since BK wipes out your old debts, you will likely in a better position to pay your current bills and you may be able to get new credit.

What Else Should I Know?

Utility Services: Public utilities, such as the electric company, cannot refuse or cut off service because you have filed BK.  However, they can require a deposit for future service and you do have to pay your current bills which arise after your BK is filed.

Discrimination: An employer or governmental agency cannot discriminate against you because you have filed for BK.

Driver’s License: If you lost your license solely because you couldn’t pay court-ordered damages caused in an accident, BK will allow you to get your license back.

Co-signers: If you had someone co-sign a loan for you and you file BK, they may have to pay your debt.

Call Lisa today to schedule your bankruptcy appointment with Cohen Law Offices or fill out the form below. Or, if you prefer, click the red appointment widget to the right ---> to schedule an appointment yourself.



Member, National Assoc of Consumer Bankruptcy Attorneys

Member, Middle District Bankruptcy Bar Association