When Debt Problems Lead to Back Rent

When you are struggling with unmanageable debt problems, every aspect of your life is affected. For most Harrisburg area residents, a rent or mortgage bill is their largest monthly expense, and it can be difficult to make these payments when you have competing financial obligations and credit card and medical debt creditors are calling you multiple times per day and threatening to take legal action and garnish your wages.

If you have fallen behind in your rent payments and owe your landlord one or more months of back rent, it’s important to address your financial situation as soon as possible. At Jacobson, Julius & Harshberger, our debt relief attorneys can provide advice and guidance on how to quickly resolve debt problems so that you can move on and forward with your life.

How Back Rent Is Addressed in Bankruptcy

Our attorneys will assess your situation and consider your specific concerns, debt issues and financial goals. Taking these factors into consideration, we then work with you to tailor a debt resolution plan. For some individuals, Chapter 13 bankruptcy can be an effective way to address back rent and other debt issues. By filing for Chapter 13, you can stop an eviction action and give yourself time to reorganize your debts and come up with a workable repayment plan.

Alternatively, you may decide to find other living arrangements and determine that filing for Chapter 7 bankruptcy is in your best interest. Through Chapter 7 bankruptcy, the majority of unsecured debts, including back rent, are effectively discharged, which provides you with a fresh financial start.

Our debt and bankruptcy solutions depend on your specific circumstances, needs and goals. If debt problems have grown to the point where you have concerns and fears about losing the roof over your head and being evicted, reach out to a bankruptcy lawyer at our firm today by calling 717-909-5858 or by contacting us through our online form.