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26 S 6th St, Indiana, PA 15701
724-465-5653 724-465-5653


Leading Bankruptcy Lawyers in Indiana County Get You Back on the Right Track

Chapter 7 or Chapter 13 — which one is best for you?

Are you overwhelmed with credit card debt? Are you facing foreclosure? Personal bankruptcy might be the right way for you to start over with a clean slate by eliminating or arranging to repay your debts, but it’s a tough decision. If bankruptcy is the right decision for you, which type is best for your situation? Chapter 7 or Chapter 13? You need the advice of a bankruptcy lawyer in Indiana County.

The bankruptcy lawyers at Law Office of Michael N. Vaporis handle more bankruptcy cases than any other law firm in the county. Sit down with us and review your options.

Chapter 7 wipes out most debts

Chapter 7 bankruptcy, also known as straight bankruptcy, is the most common type. It allows you to eliminate nearly all of your debts. To help you qualify, we look at your current income and compare it to the average household income in Pennsylvania. If your income level is above the average, you may be able to file Chapter 13 instead.

You will have no problem finding a qualified Chapter 7 attorney. Indiana County is known for two of the best: Michael Vaporis and Katrina Kayden. We assess your situation, make a recommendation, and our friendly staff guides you through the forms.

You repay your debts in Chapter 13

Chapter 13 bankruptcy is a compromise between you and your creditors. According to a repayment plan that’s worked out for you, you make regular payments for three or five years, after which any remaining debt is eliminated. Talk to a Chapter 13 lawyer in Indiana County if:

  • You have disposable income after paying for the basics
  • You have loans you want to bring current and keep your property
  • Chapter 7 bankruptcy isn’t right for you
  • You’re determined to pay off your debts

Regardless of whether you choose Chapter 7 or Chapter 13, you need to calculate the value of your estate and hunt for all of the exemptions to which you’re entitled. You need a bankruptcy lawyer. Indiana County is home to the law firm that knows bankruptcy: Law Office of Michael N. Vaporis.

Print and fill out the intake sheet before coming in for your scheduled appointment.

Consult with the leading Indiana County bankruptcy lawyers

Schedule a consultation with us. Call 724-465-5653 or contact us online. Your first half hour consultation is free. We also handle cases in Armstrong, Cambria, Clearfield, Clarion, Jefferson and Westmoreland Counties.