Montgomery and Berks County Debtor’s Rights and Bankruptcy Lawyer

Are you being sued on a credit card or other debt?

If you have been sued in court on a credit card or other debt, please contact us right away, as you are most likely on a deadline to respond. While you may feel that you have no options, there may be more than you think. Your creditors have the burden of proving that you owe them money, and that is not always easy to do. Many of the banks or credit card companies who file suit, do not have the witnesses or necessary paperwork to prove their cases. At Dolan Ray Law, LLC, our experienced attorneys know how to determine and exploit these weaknesses to achieve the best possible result for our clients. In some cases we may be able to have the lawsuit dismissed outright.

Are you being harassed by rude or abusive debt collectors?

Sometimes debt collectors cross the line by using abusive language, using unscrupulous tactics or making false statements in their attempts to collect a debt. There are laws in place to shield people from this behavior. The Fair Debt Collection Practices Act (FDCPA) is one such law. It was enacted by Congress in 1977 in response to abusive consumer collection practices. The FDCPA is a “strict liability” statute, which means that if a collector is found to have violated it, the aggrieved consumer is entitled to a statutory penalty of $1,000.00, without having to prove that he or she actually was damaged in that amount. The FDCPA also provides for an award of reasonable attorneys fees incurred in a suit against the collector. Violations of the FDCPA include, but are not limited to, calling at inconvenient times (defined as before 8:00 AM or after 9:00 PM), continuing to contact the consumer after having been told not to, or making false claims. If you believe that a debt collector has acted in a manner that violates the FDCPA, please contact Dolan Ray Law, LLC. Our debtors’ rights team will help you to navigate this complex law, and determine whether you might be subject to its protections.

Interested in Filing for Bankruptcy in Pennsylvania?

If you are overwhelmed with debt and you feel like there is no way to relieve this financial burden with your current income, filing for bankruptcy is an effective way to finally free yourself of burdensome debt so you can start over. However, understanding the bankruptcy process can be a daunting task, which is why it is crucial to seek legal representation from a skilled lawyer.

At Dolan Ray Law, LLC, our Pottstown bankruptcy attorney understands how to get the fresh financial start you always wanted. We can evaluate your financial situation, determine all of your available legal options, and develop a plan to obtain freedom from debt. Let us help you and your family get back on your feet.

Is Bankruptcy Right for You?

The main purpose of bankruptcy is to help the debtor (the individual filing for bankruptcy) reduce or even eliminate the debts he/she owes to creditors. While some debts must be entirely paid back, other debts can be repaid at a fraction of what is owed.

Although there are a several chapters of bankruptcy, most people choose to file either Chapter 7 or Chapter 13 bankruptcy. Both of these chapters can help you get rid of some or all of your debts, provide automatic and temporary protection from debt collectors, repossession and foreclosure, and give you an opportunity relieve most debts and improve your credit in the future.

Schedule a Consultation Today!

Our firm is committed to helping people finally get the financial relief they desire. By providing personal attention that is uniquely tailored to your specific financial situation, we can decide what is best for you—even if the best option is to not file for bankruptcy. Our Pottstown bankruptcy lawyer cares about your financial security and can help you get the most favorable outcome possible.