A problem with a septic system in Bangor, PA should be taken seriously and you should call a professional before the problem gets worse. Some people like to try and figure out the cause of an issue themselves but this is not necessarily a good idea when it comes to a septic system. One reason is because a septic system can run the length of your entire house and it can be very difficult to diagnose what is causing the issue and where the source of the problem lies. There is always the chance that you will not be able to locate where a leak is coming from or what is causing a backup in your system.
When it comes to filing for bankruptcy, there are several options open to one. One of these options would be to file under chapter 7. In this course of legal action, you as the debtor are not filing with the plans of paying off your debts as under chapter 13. Rather, all the assets that you have that are non-exempt are then sold off to your creditors. A non-exempt asset is defined as anything that has not been specified to be exempt under the laws that are in place. There are several steps to follow when it comes to filing for chapter 7 Lancaster, PA.
Chapter 7 is a bankruptcy petition that is also called liquidation bankruptcy. Under Chapter 7, some of your assets would be liquidated to pay off some of your unsecured debts. It is the most common form of bankruptcy in the United States. Under this chapter, most consumer and business debts can be eliminated. The filing for bankruptcy under Chapter 7 would ensure that you can start afresh, without losing your home and other major assets (secured debts). The major advantage of a chapter 7 case is the brevity. You can expect such a case to be over within a period of 3-6 months. The debtor emerges from the proceedings debt-free barring existing commitments like mortgage and car payments. Under the law, there are some debts that can still be due from you after the proceedings. Such loans include student loans, taxes and arrears in child support. If your bankruptcy lawyer is able to suitably adjust your exemptions you can expect to retain major assets like your home and other assets.