OVERWHELMED BY DEBT?
Pennsylvania & New Jersey Bankruptcy Attorneys Helping You Find Debt Relief
We help you protect your home, stop foreclosure, and start fresh. Bowe & Odorizzi Law has guided families across PA & NJ for over 70 years. Spanish-speaking assistance is available to help clients schedule a free consultation and communicate with our legal team. ¿Prefiere hablar en español? Hay asistencia en español disponible.
Over 70 Years Helping Families Protect Their Homes and Finances — See How We Can Help You Too.
Serving Clients for Over 70 Years
For generations, Bowe & Odorizzi Law has helped individuals and families across Pennsylvania overcome financial challenges with dignity. Whether it’s stopping foreclosure, ending garnishment, or guiding you through Chapter 7 or 13, we’re here with proven solutions and personal care.
Our approach is simple: we listen, we explain your options clearly, and we stand by you at every step. With free virtual consultations and a focus on practical solutions, we make it easier to take control of your finances and begin again with confidence.
Bankruptcy Services
Guiding You to Financial Relief
No matter what financial challenges you’re facing, our attorneys will walk you through your options and help you protect what matters most. Explore the services below to see how we can help.
Why Your Needs Come First
Financial stress isn’t just about numbers — it’s about your home, your family, and your peace of mind. Creditor calls, foreclosure notices, and wage garnishments can make it feel like there’s no way forward. We understand how urgent and overwhelming these moments can be.
That’s why at Bowe & Odorizzi Law, we don’t just file cases — we provide a plan. Our attorneys combine over 70 years of experience with modern tools like virtual consultations and secure online intake, making the process clear, accessible, and focused on your goals.
When you choose us, you get more than legal representation. You get trusted advisors who will explain your options in plain English, fight for your rights, and stand beside you until you’re back on stable ground.
Your situation matters. Let’s build your fresh start together.
Frequently Asked Questions
Will I lose my home if I file for bankruptcy?
Not necessarily. Chapter 13 bankruptcy can help you catch up on overdue mortgage payments and stop foreclosure, while Chapter 7 may allow you to exempt certain equity in your home. Every situation is different, so it’s important to review your options with an attorney.
What debts can bankruptcy erase?
Bankruptcy can discharge many unsecured debts, such as credit cards, medical bills, and personal loans. Some obligations—like student loans, recent taxes, or child support—are typically not dischargeable.
How quickly does bankruptcy stop creditor harassment?
The moment your case is filed, the “automatic stay” takes effect. This immediately stops most collection calls, wage garnishments, lawsuits, and foreclosure actions.
What’s the difference between Chapter 7 and Chapter 13?
Chapter 7 wipes out many unsecured debts to give you a fresh start, while Chapter 13 creates a structured repayment plan that lets you keep property and catch up on missed payments. The right choice depends on your income, assets, and goals.
How long does the bankruptcy process take?
Chapter 7 cases usually take about 4–6 months from start to finish. Chapter 13 repayment plans typically last 3–5 years, but you’ll get immediate relief from collections as soon as you file.