Bankruptcy—What We Do For You

When you are drowning in debt, we throw you a lifeline

Facing piles of bills and mounds of debt is a very scary feeling.  You may end up losing your home, your car, your family, and more when trying to absolve your debts.  One of the wisest steps you can take is to contact an experienced bankruptcy lawyer to discuss your options.  Paula J. Cialella of New Castle, Pennsylvania can help debtors get their finances in line and get back on their feet.

Hiring a bankruptcy attorney in seeking debt relief can have a number of positive effects.  We can help you:

• Stop harassing phone calls from creditors
• Clear your credit record
• Come up with reasonable, workable solutions to get out from under debts
• Examine your situation and develop a unique plan that works for you
• Provide knowledgeable legal counsel and inform you of your options
• Stand by you throughout your case to ensure you understand what is happening and to protect your rights

At Paula J. Cialella, Attorney at Law, we provide full legal representation from preparing your bankruptcy petition and appearing in court to fending off collectors.  Our goal is to get you the relief you need and to see you through the process from free initial consultation to absolution.

Where we differ from other debt relief solutions

Credit counselors

Credit counselors and debt management agencies draft a payment plan every time.  But finances are different for every individual and family, and you need someone to look at your money, your bills, and your situation specifically before devising a plan.

The plans these companies draw up may not cover all of your debts, and you may still be responsible for bills you thought were included in the plan.  In the end, you may end up wasting time, paying more, and having to file for bankruptcy anyway.  Please note that as a result of The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, you must undergo a credit counseling course.  Following this course, it is a good idea to consult an attorney for your next step.

Do-it-yourself (DIY) legal kits

Bankruptcy is a complicated, strict area of law.  You are legally permitted to file for bankruptcy online, but the documents provided online can confuse users, and there is an enormous margin of error when filing legal actions without legal counsel, particularly in bankruptcy.  Users may file documents improperly or under the wrong chapter.  Online services don't examine your situation and act accordingly.  We do.  Often, my law firm has met with clients after they have tried these quick DIY fixes and has seen people filing improperly, filing under the wrong chapter, and failing to include all necessary financial documents.

We can help you

New Castle law firm Paula J. Cialella, Attorney at Law represents debtors in—

Contact the firm online or call 888.328.2108 to schedule a risk-free, no-fee initial consultation.  We look at your documents, discuss your situation and your needs, and begin to devise a debt relief solution that works for you.