Guiding People Through
Estate Planning, Bankruptcy, Probate And Estate Planning
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Struggling With Debt? You Are Not Alone.

It seems more people than ever are becoming overwhelmed with debt. Whether you have been saddled with unexpected medical bills, lost a job, were served with divorce papers or have been taken advantage of by your credit card company, you are far from alone and have no reason to feel ashamed. I am bankruptcy attorney James H. Turner, and I can help you overcome these challenges and put an end to creditor harassment, wage garnishment and repossession.

Bankruptcy Can Provide You With A Fresh Start

I have been guiding people through the bankruptcy process in Harrisburg and the surrounding communities for more than 40 years. You can rely on me to lend a sympathetic ear, answer your questions and provide you with peace of mind about the options you have. Every family’s financial situation is unique; I will take the time to develop a unique strategy that works for yours.

What Form Of Bankruptcy Is Right For You?

Chapter 7 and Chapter 13 both result in getting out of debt, but their steps are very different. I can sit down with you, evaluate your situation, and make a recommendation that fits your unique circumstances and financial goals.

Chapter 7 involves liquidating assets in order to pay off some debts, with the remaining debt being discharged. The process usually lasts between three and six months. Some assets, such as your car and home, are exempt from liquidation. You must pass a means test to qualify for Chapter 7. This means your monthly household income must be below the median income for households of your size in Pennsylvania.

Chapter 13 is great for people who cannot pass the Chapter 7 means test or those who have a steady income that allows them to make regular payments on their debt. Chapter 13 involves negotiating with your creditors to reduce what you owe, consolidating your debt and then making a single monthly payment for a term of three to five years.

I have guided hundreds of people throughout the Chapter 7 and Chapter 13 bankruptcy process. You can rely on me to answer your questions and provide you with peace of mind every step of the way.

Speak To An Experienced Bankruptcy Lawyer

Put an end to the harassment, wage garnishment and other indignities of being in debt. Call 717-839-6860 or fill out my online contact form to schedule a meeting. I look forward to helping you get the fresh start you deserve.

I am a debt relief attorney. I help individuals file for bankruptcy relief under the Bankruptcy Code.