Helping Pennsylvania Residents Regain Financial Agency
Financial difficulties can strike at any time. They can strike at the heart of any family and affect any individual. I am attorney Marjorie De Santo Barlow and at my law firm, DeSanto Barlow Law, P.C., I have been helping clients find relief from debt through bankruptcy for 10 years.
My clients include people going through a divorce when the splitting of family finances causes problems, elderly people on a fixed income who can’t pay their credit card bills, the disabled and the unemployed.
I understand that many people with debt problems are embarrassed about their financial affairs and intimidated by the legal process. They are concerned about losing their houses or cars and are overwhelmed by the constant attention of bill collectors. My job is to support them, highlight the options available and determine whether or not bankruptcy is appropriate. Above all, I am compassionate, and I will talk you through the process in a nonstressful way.
When It Comes To Bankruptcy, You May Have Options
Remember you have the right to use the bankruptcy procedures to escape from the burden of debt.
While bankruptcy can help you and your family become debt-free within months or give you the time necessary to pay back your debts, it is not a step to be taken lightly: Details of the bankruptcy will remain on your credit report for 10 years. There are two types of consumer bankruptcy:
- Chapter 7 bankruptcy — Involves complete elimination of most debts but you must be able to satisfy a means test.
- Chapter 13 bankruptcy — Enables you to pay your debts over a three- to five-year period and could mean you are able to hold onto large assets like your home and car.
The service I offer is comprehensive. It includes:
- A full credit report
- An explanation of all of your options
- Close analysis of your income and your expenses
- A detailed examination of any bankruptcy petition
- Attendance at creditor meetings
If you are experiencing financial difficulties, call my office at 570-591-1057 or contact me online. I am an experienced bankruptcy lawyer in Scranton, Pennsylvania, and can help you and your family. Free consultations are available. Se Habla Español.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.