Bankruptcy Law

Serving Bankruptcy Clients in Crawford, Erie, Venango and Mercer counties of Western Pennsylvania

Chapter 7 Bankruptcy

Debt — Bankruptcy Law in Meadville, PA
Rowden Law Office is proud to help clients rebuild their financial lives through bankruptcy. This includes handling both Chapter 7 and Chapter 13 bankruptcy cases. The quickest and most simple form of bankruptcy that most clients end up opting for is Chapter 7. This is where assets are sold by the client in order to pay off debt.

Rowden Law Office can help individuals, couples, corporations, or partnerships sell off assets in a Chapter 7 bankruptcy case. The money received in return for selling assets will then be used to pay off creditors. Rowden Law Office will guide you through this difficult process, including protecting exempt property. (Federal and state law allow the debtor to keep enough property for them to still be able to live while their debts are paid off.) We can even help fight for a no-asset case where you’ll be able to keep everything you own while still paying off your debt.
 
 
 

Chapter 13 Bankruptcy

Bankruptcy — Bankruptcy Law in Meadville, PA
Chapter 13 bankruptcy is an option for debtors who can’t pay off their debts all at once, but can pay at least some of what is owed if given more time. In these cases, Rowden Law Office will help clients come up with a payment plan that will pay back all the debt within 3-5 years. This might be a good option for people who are behind on their mortgage but can get caught up if given more time.

In order to get this payment plan approved, Rowden Law Office will have to argue your Chapter 13 bankruptcy case in court. If the plan is approved, the creditors will be made aware of the payment plan and a schedule for payments will be drawn up.
 
 
 

Credit Optimization

Effective Strategies for Restoring Your Credit
It may seem impossible to get out of debt, but it isn't. I know how frustrating and infuriating the process can be. What you need is the right direction to cut through the red tape and expose the myths that have kept your credit score down
Customized Program Designed to Help You Succeed
The 7 Steps to a 720 Score is a program specifically designed by Philip Tirone, an industry leader in credit score improvement. The program exposes some of the common pitfalls that consumers fall into when trying to restore your credit. I have contracted with 720 Strategies – Mr. Tyrone’s business-to provide this service to my clients after their bankruptcy is done for no additional cost.
Make no mistake, this isn’t a so called “credit repair” scam. The 7 Steps to a 720 Score should not be looked at as a quick fix that will completely wipe out your credit report. It’s a program that you can follow to heal your credit score over time. By learning healthy credit and spending habits, you can essentially keep your bottom line for years to come.
By informing consumers of their rights and offering the invaluable resources needed to save their credit scores, countless clients have regained control of their lives in as little as 12 to 24 months!
The 7 Steps to a 720 Score can provide you with step-by-step strategies to rebuild your credit;
 
  1. Replace your old credit by paying bills on time.
  2. Stay away from credit card, bank, and bureau scams.
  3. Keep your credit score information with the credit bureaus updated.
  4. Consistently build a great credit score with low credit lines.
 
  1. Fix high-priority errors on a credit score.
  2. Demand a lower interest rate from your bank.
  3. Negotiate your debts with creditors or collectors.
 
Worry less. Live more. If you live in Crawford, Erie, Mercer or Venango County in Pennsylvania call me today for a free, no pressure appointment in my Meadville office!