Pennsylvania Creditor Participation Attorney Joseph R. Viola
Is a creditor's opposition to your consumer bankruptcy filing standing between you and a return to solvency for your Pennsylvania family?
Do you need the assistance of a skilled bankruptcy attorney who can advocate for you in negotiations with a creditor?
Attorney Joseph R. Viola has counseled clients from all walks of life, in a variety of vital practice areas affecting financial futures, for almost 30 years. He can explain to you, fully and clearly, the difference between a voluntary and involuntary bankruptcy, Chapter 7 and Chapter 13 strategies, and creditor participation and opposition.
Joseph R. Viola has been given an AV Preeminent Peer Review Rating* by Martindale-Hubbell, an organization that helps buyers of legal services to identify, evaluate and select the most appropriate lawyer for a specific task at hand. An AV rating demonstrates that a lawyer has earned the highest possible rating in both legal ability and ethical standards.
Whether a creditor or creditors decide to participate in and cooperate with your repayment plan, or contest it in negotiations or in court, Joseph R. Viola can help. Contact him today, toll free: 866-974-8841. Your initial consultation is free.
The Joseph R. Viola, P.C., law office serves debtor and creditor clients in Greater Philadelphia, the Lehigh Valley, the Delaware Valley and South Jersey.
Experienced Pennsylvania Debt Settlement Lawyer
Generally, a Chapter 7 or Chapter 11 petition can be filed against anyone or any entity that owes money, except for:
- Banks
- Insurance companies
- Nonprofit groups
- Credit unions
- Savings-and-loan institutions
When you have a dozen or more creditors, an involuntary petition requires the participation of at least three creditors who are owed a minimum of $10,775. When you have fewer than 12 creditors, one may initiate an involuntary petition — but the creditor must be owed at least $10,775.
As the debtor, you may resist the involuntary petition by filing an opposition and by demonstrating that you are working to pay your debts as they become due. When the court dismisses an involuntary petition, it could grant a judgment against the petitioning creditors for costs and attorney fees incurred by the debtor and for compensatory damages caused by the filing.
If an involuntary bankruptcy was brought in bad faith, punitive damages may also be assessed by the court. Throughout the process, attorney Viola will make sure that your rights are protected and your desire to repay your debt is recognized.
You can trust the decades of experience and reputation for results of bankruptcy attorney Joseph R. Viola to benefit you in debt settlement negotiations. Call, e-mail or fax our Pennsylvania law office to schedule your free consultation.
Outside Philadelphia, Call Toll Free — 866-974-8841
Contact our Philadelphia creditor rights attorney today. If you need an evening appointment, we can provide it.
We are a debt relief agency that counsels clients according to federal Bankruptcy Code.
*AV Preeminent and BV Distinguished are certification marks of Reed Elsevier Properties Inc., used in accordance with the Martindale-Hubbell certification procedures, standards and policies. Martindale-Hubbell is the facilitator of a peer review rating process. Ratings reflect the confidential opinions of members of the bar and the judiciary. Martindale-Hubbell ratings fall into two categories: legal ability and general ethical standards.
