When a person decides to file for Chapter 13 bankruptcy, they are faced with a variety of questions as well as many challenges. Learn more about chapter 13 bankruptcy in Philadelphia in this presentation.

1. “When a person decides to file for Chapter 13
bankruptcy, they are faced with a variety
of questions as well as many challenges.”
CHAPTER 13
BANKRUPTCY
INPHILADELPHIA
TIPS TO REMEMBER
DAVID M. OFFEN
PHILADELPHIA BANKRUPTCY ATTORNEY

2. Chapter 13 Bankruptcy in Philadelphia Tips to Remember www.getfreeofbills.com
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For most people, bankruptcy is a last resort. They first consider other
options, such as borrowing money from a relative before moving forward
with this strategy.
When a person decides to file for Chapter 13 bankruptcy, they are faced
with a variety of questions which an experienced bankruptcy lawyer can
help to supply the right answers. It is important to take all the right steps
along the way, as a
mistake can make the
process more difficult.
Tip: to protect against
common mistakes and
ensure success, many
people start off by
consulting with a
bankruptcy attorney.
This allows them to
move forward in the
appropriate manner, regardless of what has happened in the past.
If Chapter 13 bankruptcy is on your mind, it is a must to first learn more
about this type of filing and how it can benefit you. Furthermore, there are
tips you can rely on to make this less stressful on you.

3. Chapter 13 Bankruptcy in Philadelphia Tips to Remember www.getfreeofbills.com
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Here are three bits of advice that will ease your stress (if even
just a little):
1. Honesty is more important than anything else. When filing for Chapter
13 bankruptcy, you will be faced with a number of questions. As you move
through the process, you may begin to wonder if you can stretch the truth
here and there to
improve your situation.
Even though this may
be tempting, it is not
something you want to
consider. If the court
finds that you lied,
they have the right to
throw out your case.
Make sure the
information you provide is accurate. This means disclosing all your income,
expenses, assets, and liabilities.
2. The repayment plan is the meat and potatoes of a Chapter 13
bankruptcy filing. With this type of bankruptcy, you are required to repay
based on what you can afford some or all of your debt through a
repayment plan that lasts anywhere from three to five years.

4. Chapter 13 Bankruptcy in Philadelphia Tips to Remember www.getfreeofbills.com
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You will not receive a Chapter 13 bankruptcy discharge until your
repayment plan comes to a conclusion. For this reason, you must make
sure you can make you can make your payments.
There are many details that go into proposing a Chapter 13 bankruptcy
repayment plan, so make sure you have an experienced attorney who can
help you with all of this information.
3. Keep an open line of communication with your lawyer. This person is on
your side, and he or she has the responsibility of trying to help you keep
everything in order along the way.
Since your
Chapter 13
bankruptcy
repayment plan
will last a
minimum of
three years, if
your
circumstances
change, for
example, it is important to discuss this with your lawyer what you should
do next.

5. Chapter 13 Bankruptcy in Philadelphia Tips to Remember www.getfreeofbills.com
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While it is easy to focus on the end result, looking forward to the day that
your repayment plan has come and gone, you need to realize the
importance of the process.
Many people consider Chapter 13 bankruptcy, with some moving forward
once they realize
this is the best
decision for them.
Every decision you
make and every step
you take will have
an impact on your
finances now and in
the future. For this
reason, you want to know what the process of filing Chapter 13 bankruptcy
will accomplish for you, and how it can help you reach your goals.

6. Chapter 13 Bankruptcy in Philadelphia Tips to Remember www.getfreeofbills.com
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About the Author
David M. Offen
A native to the Philadelphia area, Mr. Offen attended Temple University College and Law
School. Mr. Offen is licensed to practice in the States of Pennsylvania and New Jersey. He is a
member of the Eastern District of Pennsylvania Bankruptcy Conference and the National
Association of Consumer Bankruptcy Attorneys.
David M. Offen has over 20 years of experience and has helped over 8,500 individuals and
families go through the Bankruptcy process. These filings have included stopping foreclosure on
a home, stopping repossession of a car or vehicle, stopping IRS tax levies and frozen bank
accounts and putting a stop to; lawsuits, credit card bills, personal loan, bills, utility shutoffs
and other types of debt.
With Mr. Offen’s help, these families have saved countless millions of dollars of debt.
David enjoys getting to know his clients and will be happy to answer any and all questions you
may have. You are treated as a person and not a number.
Remember – there is no such thing as a silly question. Don’t be afraid to ask any questions you
may have. David M. Offen has found that people looking to file Bankruptcy are not trying to
avoid their responsibilities but rather to make a difficult situation easier. David enjoys getting
people to stop worrying and making their financial lives much better and stop feeling
overwhelmed.
In some cases, Bankruptcy is not the best move and he can review your situation with you and
tell you the right move for you to make. Get a completely free evaluation of your situation. For
the past 20 years, the Law Offices of David M. Offen has been among the top filers of
bankruptcy in the Eastern District of Pennsylvania.
The Law Offices of David M. Offen
215-625-9600
www.getfreeofbills.com
The Curtis Center
601 Walnut Street, Suite 160 West – 1st Floor
Philadelphia, PA 19106