The Hobbs Law Firm

Firm Overview

Main Office
Main Office
256 East Market Steet
York  PA  17403
Phone
  • (717) 793-2398
Fax
Websites
Bankruptcy
At the Hobbs Law Firm, we are dedicated to offering the highest level of service to all of our clients. We will give you our best, whether you are filing for bankruptcy, charged with a crime or advice in family law.
Drowning in debt?

At The Hobbs Law Firm, we are offering a comprehensive consultation for Bankruptcy to discuss your financial future. At this consultation, we help you pick the best solution to protect you and your family. No more lying in bed at night, staring at the ceiling, trying to figure out how you are going to pay your next bill. Bankruptcy is a business decision for your personal life. One in which you need professional advice. Throwing good money after bad money is not a good business move. We can help.

What is bankruptcy?

Bankruptcy is a federal court process designed to help consumers and businesses eliminate their debts or repay them under the protection of the bankruptcy court. There are two types of bankruptcies relevant to consumer debtors: a "liquidation" (Chapter 7) or "reorganization" (Chapter13). Under a Chapter 7 bankruptcy, you ask the Bankruptcy Court to wipe out debts you owe. Under a Chapter 13 bankruptcy, you ask the Bankruptcy Court to let you restructure your debt so you can afford to pay it over three or five years. You must repay some debts in full; others may be repaid only partially or not at all, depending on what you can afford.

Whenever a bankruptcy is filed, a court order called an "automatic stay" goes into effect. The automatic stay prohibits most creditors from taking any action to collect the debts you owe. This automatic stay can help delay judicial actions such as lien judgments and foreclosures. Thus, during the bankruptcy process, all efforts to collect on behalf of a creditor will stop, allowing you the breathing room you need.

However, certain debts cannot be discharged in bankruptcy. These debts include back child support, alimony, certain kinds of tax debts and most student loans. Your Hobbs & Hunter, LLC, attorney will be able to determine what you can and cannot include in the bankruptcy.

What is the difference between Chapter 7 and Chapter 13 Bankruptcy?

In Chapter 7 bankruptcy, you ask the Bankruptcy Court to discharge your debts. The Court will assign a trustee to sell (liquidate) your assets, distribute the proceeds to your creditors and wipe out any remaining debt. Some or all of your property may be exempt from this "liquidation."

In Chapter 13 bankruptcy, you file a repayment plan with the Bankruptcy Court to pay back all or a portion of your debts over time. The amount you'll have to repay depends on how much you earn, the amount and types of debt you owe, how much property you own and what you can afford to pay. You may retain all of your property in Chapter 13 bankruptcy.

What will this do to my credit?

Although the Federal Fair Credit Reporting Act does provide that bankruptcy notations can remain on your credit report for 10 years, most creditors will only leave a Chapter 13 bankruptcy on your record for 7 years from the time of filing. A Chapter 13 debt repayment process typically takes 3 to 5 years to complete. Bankruptcy notations on your credit report are likely to be removed in 2 to 4 years after the debt repayment procedure has been fulfilled. A Chapter 7 may remain for the maximum 10 years.

Can I choose between Chapter 7 and Chapter 13 bankruptcy?
Which type is right for me?

Under the new bankruptcy law, if your household income is higher than the median income for a family of your size in your State then you must file a Chapter 13 bankruptcy. Your Hobbs & Hunter, LLC, attorney will be able to determine the best option for you.

Most people in York, PA who file for bankruptcy choose to file a Chapter 7 if they meet the eligibility requirements. Chapter 7 is a popular choice because, unlike Chapter 13, it doesn't require filers to pay back any portion of their debts. However, Chapter 13 could be a better choice, depending on your specific situation. For example, if you are behind on your mortgage and want to keep your house Chapter 13 can be the solution. You can include your missed payments in your Chapter 13 plan and repay them over time. In Chapter 7, you would have to make up the whole past due amount right away and you might lose your house if the equity exceeds the exemption amount available to you.

Contact The Hobbs Law Firm, for your free consultation. There are many moving parts to a Bankruptcy and it can be daunting if you do not have the right attorney to help. We will help you understand the law, the processes and make sure you have all the information you need to make the right decision for you and your family.

Charles Hobbs

Charles' strategy of representation is based on a commitment to engaging clients and insisting they participate in their legal cases. Attorney Hobbs believes and practices an ideology that an attorney's role is to educate the client on the law and procedure, assist in weighing the options, and to encourage clients to make their own decisions. The Law Offices and Attorney Hobbs believe the key to successful representation is to promote communication between attorney and client, act ethically, morally, and to pursue our client's interests with zealous advocacy.

Charles is a general practitioner specializing in Criminal Defense, Family Law, and Bankruptcy.

Attorney Hobbs attributes much of his success as a trial litigator to his ability to relate to Jurors. Charles believes that his experiences in the construction industry and his large family have made him the well rounded, relatable litigator he is.

Charles was born and raised in Southern York County, and lived in Crossroads where he graduated from Kennard Dale High School in 1995. In 2001, Charles graduated from Bloomsburg University in Central Pennsylvania with a Bachelor's Degree in Political Science, a Bachelor's Degree in Political Economics, and a Career Concentration and Certification in Public Administration.

Upon graduating from Bloomsburg University Charles entered the construction industry in Pittsburgh, Pennsylvania. Charles' experiences in construction involved complicated logistic design and environmental engineering. In 2005, he returned to York County and began his career as an attorney.

In 2005, Charles also began his legal education at Widener University School of Law in Harrisburg, Pennsylvania. In 2006, he became a certified student advocate and began his career as a trial litigator. Attorney Hobbs graduated from law school and was admitted to the Pennsylvania and York County bar associations in 2008. Shortly thereafter, Attorney Hobbs was admitted to the Middle District of Pennsylvania United States Federal Court.

Charles currently lives in Crossroads, Pennsylvania with his wife and three children.
License
  • Bar Number: 209321
    Pennsylvania , 2008
Education
  • Widener Harrisburg School of Law
    Juris Doctorate , 2008
    Specialized in Constitutional Law, Election Law, Criminal Law and Dispute Resolution

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