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Chapter 7 & Chapter 13 Bankruptcy

$49 Down To Get Started*

Bankruptcy Is The Path To Recovery

Bankruptcy Is The Path To Recovery

Reclaim Your Financial Freedom

Bankruptcy May Help You:

  • Stop Levies/Garnishments

  • Stop Repossessions

  • Stop Foreclosure

  • Discharge Judgments & Liens

  • Discharge Medical Debt & Liens

  • Discharge Credit Card Debt

See Our 5 Star Reviews

Proudly Serving: Philadelphia, Pennsylvania and Surrounding Areas

Timothy Zearfoss

Attorney At Law

36+ Years Of Experience

Payment Plans Available

Free Consultation

Our Law Firm's Process

Three Easy Steps

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Stop Harassment / Garnishment

By law, most actions against you must cease once a Chapter 7 or Chapter 13 personal bankruptcy has been filed. Creditors cannot initiate or continue lawsuits, wage garnishments, or even telephone calls demanding payments. Our bankruptcy law firm will act quickly to file your bankruptcy petition, stop the phone calls and lift any burdensome garnishments.

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Eliminate Debt

Both Chapter 7 & Chapter 13 personal bankruptcy can eliminate overwhelming debt. Debts may include credit card debt, bank loans, medical bills, most court judgments, and deficiencies on repossessed vehicles. When you speak to a bankruptcy lawyer at our law firm, we will let you know what you qualify for and discuss all of your options.

We Work Quickly To Get You A Fresh Start.

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Keep Your Assets / Rebuild Credit

You may be able to keep your car, house and other personal belongings when filing for Chapter 7 or Chapter 13 personal bankruptcy. When you work with our bankruptcy law firm, our personal bankruptcy attorneys will help you retain your assets and show you what steps to take following your bankruptcy so that you can quickly get back on your feet. You may also begin to rebuild your credit immediately after.

Call Now For A Free Consultation

Experienced Representation

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We Work Quickly To Get You A Fresh Start.

Call Now 215-774-2308

  • Payment Plans Available

Is Bankruptcy Right For You?

Put 36+ Years Of Experience On Your Side

Meet Your Attorney

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Timothy Zearfoss

Attorney At Law

"Many people are reluctant to file for bankruptcy at first. I like to remind them that there is a reason that bankruptcy laws exist. It is to help hard-working people just like you to get a fresh start. With the bankruptcy laws on your side, you can rebuild your life quickly."

Education:

Bar Admissions & Memberships:

  • J.D. - Villanova University School of Law

  • M.A. - Duquesne University

  • B.A. - Bucknell University

  • The Pennsylvania Bar

  • National Association of Consumer Bankruptcy Attorneys

One thing that stands out about Law Office of Timothy Zearfoss is its trustworthiness as an experienced law firm specializing in bankruptcy cases. We recognize the profound impact that financial challenges can have on every aspect of your life. If you find yourself grappling with overwhelming debts, our qualified bankruptcy attorneys are here to offer their assistance.

At our firm, we firmly believe in the potential of bankruptcy to provide individuals with a fresh start and the opportunity to regain control of their financial situations. With extensive knowledge and expertise in bankruptcy law, we are committed to providing legal solutions and guiding you through the process. We ensure you are fully informed about your options. Our goal is to empower you to make well-informed decisions that will positively shape your financial future.

Understanding that each individual's circumstances are unique, we take the time to thoroughly assess your situation before providing tailored legal solutions or advice. With decades of experience handling bankruptcy cases, we possess the necessary skills and insights to navigate the complexities of the legal system.

Find Out Now

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Our Team

Ready To Assist You With Your Financial Needs

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Experienced Representation

  • Payment Plans Available

Why Choose Us?

Find Out Why Clients Choose Our Law Firm

$49 To Get Started

To Get Started*

Pay Only $49 to get started* and get the protection of a bankruptcy attorney today.

All you need to cover is the following:

  • Court Filing Fee

  • Credit Counseling Fees

Attorney Accepts All Cases Prior To Full Payment

Experienced

You have one chance to get it right when filing bankruptcy. Do not risk it trying to do it yourself or by using a document preparation service. We are attorneys with years of legal experience and we have what it takes to properly represent you.

Affordable

Do not sacrifice experience for cheap representation. We will work with you to create an affordable bankruptcy plan based on your individual needs and ability to pay.

Fast

Sometimes you can't afford to wait. When garnishments, levies, foreclosure actions or vehicle repossessions leave you in a tight spot, we will act fast to help get you the relief you need.

Call Now For A Free Consultation

Experienced Representation

  • Payment Plans Available

Client Reviews

See What Our Clients Are Saying

Our Promise

Timothy Zearfoss Law Offices

  • An Affordable Legal Solution For Your Journey To Financial Recovery

  • A Stress Free Direct Relationship With Your Attorney

  • A Clear Path Forward After You Have Discharged Your Debts

The Firm's Advantage

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A Compassionate Approach

We understand that many people are reluctant to file for bankruptcy at first and making the decision to file is difficult. We like to remind people that there is a reason the bankruptcy laws exist. It is to help hard-working people just like you to get a fresh start.

Payment Plans Available

Contact

Call Now For A Free Consultation

Experienced Representation

Location

1601 Spring Garden Street

Philadelphia, PA 19130

*$0 Down pertains to attorney’s fees. Client would need to pay associated court filing fees, administrative costs and required credit counseling fees. Attorney will accept case prior to full payment, however, filing the case with the bankruptcy court will occur after attorney's fees have been paid in full.

*$49 is a down payment to be applied towards total attorneys fees. In order to file for bankruptcy, client is required to pay a separate filing fee for Chapter 7 filings and Chapter 13 filings. Attorney fees must be paid in full prior to actual bankruptcy filing.

We are a debt relief agency. We are attorneys who help people file for bankruptcy relief under the bankruptcy code.

The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute an attorney-client relationship.