108 N. Washington Avenue, Suite 401, Scranton, Pennsylvania 18503
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A Scranton Bankruptcy Lawyer You Can Trust

Helping you with your Bankruptcy issues
Whether your goal is to save your home, stop creditor harassment or get a fresh start, Sposto Law Offices, PC has the experience to help you. For 22 years, attorney Ernest Sposto, Jr. has helped clients with the full spectrum of Bankruptcy issues, including:

  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Foreclosure Prevention
  • Asset Protection
  • Getting a Fresh Start
  • Debt Relief
  • Creditor Representation
  • Consumer Bankruptcy
  • Small Business Bankruptcy
  • Marital Joint Bankruptcy
  • Marital Split Bankruptcy
  • Flat Fee in most cases
  • Vehicle Repossession

The U.S. bankruptcy system can be complex, but with proper legal counsel, individuals with debt problems can often get relief from creditor harassment, protect assets from creditors, prevent a foreclosure, and get a fresh start. Sposto Law Offices maneuvers comfortably through the Bankruptcy process to bring you the best possible outcomes when dealing with:

  • Creditor harassment
  • Lawsuits
  • Foreclosure
  • Credit card debt
  • Auto repossession deficiencies
  • Medical Bills

A Chapter 7 bankruptcy allows debtors who meet income guidelines to obtain relief from most unsecured debt, such as credit cards, medical bills and auto repossession deficiencies.  However, certain types of debts, such as most taxes, student loans and domestic support obligations, are not “discharged” in a bankruptcy.  As long as the value of an individual’s assets are within limits set by bankruptcy law, those assets can often be retained and shielded from creditors.

A Chapter 13 bankruptcy is designed for individuals with regular income who wish to repay part or all of their debts over time, typically 5 years.  This type of bankruptcy often allows individuals to cure a mortgage deficiency over the 5 year life of a typical repayment plan, which must be proposed by the individual and approved by the court.  If the individual successfully completes the confirmed plan, they can often bring their mortgage current and retain their home.  An individual can file this type of bankruptcy if their debts are below certain limits set by Bankruptcy law.

We are a debt relief agency.  We help people file for Bankruptcy relief under the Bankruptcy Code.

Contact an experienced Bankruptcy lawyer who can help you
Call Sposto Law Offices, PC at 570-340-1556 or contact the firm online.


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