Dozens of companies throughout Pennsylvania announced major employee layoffs during the first half of 2019. If you are one of the thousands of individuals suddenly left without work, you may find yourself struggling to meet your standard living obligations. At Rapa Law Office, P.C., we provide individuals and families with options that allow you to take control of your overwhelming finances after an unforeseeable job loss.

There is a great deal of information portraying bankruptcy negatively; falling behind in financial obligations, however, could happen to anyone. According to The Patriot-News, more than 3,000 employees lost their jobs when two Philadelphia-based companies announced permanent closings. Other companies announced large layoffs that may help them prevent permanent closure. Advisories posted through the Worker Adjustment and Retraining Notification Act is how many employees learned about their jobless future.

When a company experiences financial struggles, it may be only a matter of time before it lays off employees so that it can rebuild or restructure its operations. When staying in business is not possible, a permanent closure results in a company not ever hiring back its laid-off employees. When facing circumstances such as these, you may soon begin to feel weighed down by your financial obligations. Bankruptcy does not eliminate all of your debts, but it may help bring some of the relief you need to move forward. You may also keep your house and car if you meet certain conditions.

We are here to assist you in overcoming the misconceptions about how you may legally protect yourself from harassing creditors. Our page on consumer bankruptcy practice provides more information on your legal rights.