5021 Nobelstown, Road Oakdale, PA 15071
Upper St. Clair Office - 20 Donati Rd, Pittsburgh, PA 15241
Phone: 412-329-6959   Fax: 412-203-1408
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Is bankruptcy the right choice?

West Hills Law, LLC is a Debt relief agency with an office in McKees Rocks, PA helping individuals file for relief under the Bankruptcy Code. Let us help you determine if this is the right choice for you.

Contact us for a free consultation today!

Individuals may file for bankruptcy in a federal court under Chapter 7 or Chapter 13 ("straight bankruptcy", or liquidation). When a troubled business is badly in debt and unable to service that debt it may file (or be forced by its creditors to file) for bankruptcy in a federal court under Chapter 7. Chapter 11 permits reorganization under the bankruptcy laws of the United States. Chapter 11 bankruptcy is available to every business, whether organized as a corporation or sole proprietorship, and to individuals, although it is most prominently used by corporate entities.

Chapter 7 Bankruptcy:

A Chapter 7 Bankruptcy is what most people think of when they hear the word bankruptcy. In a chapter 7 bankruptcy, all of your dischargeable debts are wiped out. In most cases that we file, the debtor does not lose any of their possessions. This “fresh start” allows hundreds of thousands of Americans to live without the fear and anxiety of living paycheck to paycheck.

Chapter 13 Bankruptcy:

A Chapter 13 Bankruptcy is a very powerful tool to stop foreclosure, repossession, and even wage garnishment. The bankruptcy laws are federal laws that are intended to help consumers have a “fresh start.” This fresh start is designed to eliminate debts and/or repay them under the protection of the bankruptcy court. A Chapter 13 bankruptcy or consolidation is designed to allow the debtor to repay his debts over a period of three to five years.

Chapter 11 and 7 Bankruptcy for Businesses:

When a business is unable to service its debt or pay its creditors, the business or its creditors can file with a federal bankruptcy court for protection under either Chapter 7 or Chapter 11.

In Chapter 7, the business ceases operations, a trustee sells all of its assets and then distributes the proceeds to its creditors. Any residual amount is returned to the owners of the company. In Chapter 11, in most instances the debtor remains in control of its business operations as a debtor in possession, and is subject to the oversight and jurisdiction of the court.

West Hills Law, L.L.C.
5021 Nobelstown Road Oakdale, PA 15071
Phone: 412-329-6959   Fax: 412-203-1408/font>

The National Trial Lawyers

West Hills Law, L.L.C. practices law throughout Allegheny, Butler, Beaver and Washington Counties, including
Robinson, Oakdale, McDonald, Moon Township, McKees Rocks, Crafton, Ingram, Carnegie and the Greater Pittsburgh Area