Serious money problems are not a sign of failure. Financial difficulties can hit anyone, no matter how careful they are with their finances. You may have been laid off, or you may have made a bad business investment.  While your income may slow down or stop, the bills keep coming in.

Federal bankruptcy law gives us a way to give you a fresh start. Depending on your situation, you may choose to file for Chapter 7 bankruptcy, or "straight" bankruptcy, in which most of your debts are eliminated. Alternatively, you could file under Chapter 13, through which you pay all or most of your debts over time with oversight from the Bankruptcy Court.

Business owners may be interested in Chapter 11, which gives businesses an opportunity to reorganize. Whichever type is best for you, bankruptcy can be a useful tool to help you out of your financial problems.

As an experienced Collegeville Pennsylvania Bankruptcy Attorney, I can help you make the right decision. I have helped hundreds of clients reorganize or completely eliminate their debt, saving homes, cars and wages from overly aggressive creditors. I am highly qualified to guide you through the hurdles the complex new bankruptcy laws present. My focus includes:

• New Bankruptcy Laws
• Chapter 7 Bankruptcy
  
• Chapter 13 Bankruptcy
  
• Chapter 11 Bankruptcy
  
• Mortgage Foreclosures
• Consumer Bankruptcies
• Small Business Bankruptcies
• Debtor Representation
• Creditor Representation
• Credit Counseling
• Debt Consolidation
• Petitions
• Adversary Proceedings
  

Bankruptcy law is a unique type of law based on forgiveness rather than punishment. As of October 17, 2005, the Bankruptcy Abuse Prevention and Consumer Protection Act took effect, enforcing tougher restrictions on consumers trying to file under Chapter 7 or 13. As a skilled Collegeville Pennsylvania Bankruptcy Attorney, I have the necessary expertise to determine whether bankruptcy is the right choice for you, and the qualifications you must meet in order to file for bankruptcy.

My Firm was originally located in Paoli, but relocated to Collegeville in 2004, returning me to my roots in Montgomery County. As a former hearing officer in Montgomery County Domestic Relations for four and a half years while I was in law school, I developed wide contacts and referral sources with many family law attorneys in the six-county area, many of whom became judges in Montgomery County and Pennsylvania appellate courts. 

At Nahrgang & Associates, P.C., we believe in treating clients the way we want to be treated. That means prompt replies to phone calls and e-mails and friendly, courteous treatment. Also, many attorneys have a paternalistic attitude that dictates the attorney knows best and they all but tell their clients, “Don’t worry about the details, just leave it up to me.” We firmly believe the case is the client’s, not the attorney’s, and any and all decisions should be made after having all the information explained in the clearest terms. 

My Firm’s areas of practice include bankruptcy, family law such as divorce, custody and support, real estate law business law and contracts. If someone needs help in an area we don’t regularly practice, a referral will be provided to another competent firm. Because of our experience in other areas, we are in a unique position to advise clients with financial difficulties. We understand credit issues resulting from a divorce or failed business because we represent clients in those matters, as well.

Another significant advantage of choosing Nahrgang & Associates, P.C. is the competitive fees. We charge reasonable rates and understand the importance of a cost-benefit analysis. Usually, a bankruptcy option easily survives the cost-benefit analysis, but we firmly believe in plainly advising a client when it does not. If there is too much income or assets are at risk, we won’t advise a bankruptcy, but will offer other services to give the client peace of mind.

My Firm is well-equipped to represent you in any of the following counties: Montgomery, Chester, Delaware, Bucks, Philadelphia, Berks, Lehigh, Northampton and Lancaster.

If you or someone you know needs the assistance of an experienced Collegeville Pennsylvania Bankruptcy Attorney, call Matthew Nahrgang today at 866-636-5547, or complete the contact form provided on this site to schedule your free consultation.