Solid Information About Bankruptcy and Other Alternatives

Our mission as a team of attorneys is to help you make the best decisions possible for your family and your future and then execute your plan effectively. Many people come to us having tried everything they can think of to avoid bankruptcy — including signing up with “debt relief” agencies and taking out reverse mortgages. Unfortunately, our experience indicates that the success rate with these solutions is not high.

You can turn to us at Jacobson, Julius & Harshberger with confidence we will not push you to file bankruptcy. In fact, we truly enjoy applying our knowledge to help clients avoid it when possible. However, we also know from experience that some heavily promoted bankruptcy alternatives can leave people in no better shape — and sometimes much worse. Please contact us today to talk through your situation and explore your full range of options.

Learn Facts and Discuss Options With an Experienced, Trustworthy Resource

It is important to understand that:

• The scare tactics used in some for-profit debt relief agency advertising obscure some key realities — such as the fact that many people successfully rebuild credit after bankruptcy.
• Most companies offering debt settlement services and other bankruptcy alternatives operate on a model that involves paying them thousands of dollars over a significant period before you make any headway against your debts.
• Dramatic steps such as taking out a reverse mortgage should be considered carefully alongside a clear assessment of what other alternatives such as a Chapter 7 or Chapter 13 bankruptcy can accomplish for you.
• Unlike many alternatives, bankruptcy may enable you to obtain debt relief while protecting important assets such as your 401(k) or other qualified retirement accounts.

For Caring Counsel Without Pressure, Call 717-909-5858

Whether you are struggling with personal or business debt, facing home foreclosure and difficulty negotiating a loan workout, or losing peace of mind due to relentless calls from collectors, we want to help you find the path that makes the most sense for you. To arrange a consultation with a lawyer at our Harrisburg, Pennsylvania, offices, please call or e-mail us today.

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