BANKRUPTCY LAWYER PHILADELPHIA We can help you determine which type of bankruptcy is best for your financial situation. Contact the Law Offices of David M. Offen today to speak with a Philadelphia Bankruptcy Lawyer about filing Chapter 13 Bankruptcy at (215) 625-9600. HOW TO LEGALLY UNFREEZE A FROZEN BANK ACCOUNT How to Legally Unfreeze a Frozen Bank Account. 15th February 2019 Bankruptcy, Uncategorized; None; Why Bank Accounts Get Frozen. The two most common reasons for bank accounts to be frozen are 1) that the bank suspects fraudulent withdrawals on your account, and 2) a creditor or creditors have a judgment against you and are levying (seizing money from) your account to satisfy SPENDING BEFORE AND AFTER FILING CHAPTER 7 OR CHAPTER 13 Spending Money Before Filing Chapter 7 or Chapter 13. If you are considering filing a bankruptcy petition, you should avoid making luxury purchases or preferential transfers prior to filing. This means avoiding big purchases such as a second car or a house or an expensive vacation. This also means not repaying a loan to a friend or to family THINGS BANKRUPTCY COULD DO FOR YOU 25 Things You Didn't Know that Bankruptcy Could do for You, from Philadelphia Bankruptcy Attorney David Offen. We have heard the following remarks from hundreds of bankruptcy clients over the last 20 years, including lawyers and court employees that we have represented. Bankruptcy can help in more ways than most people realize. 341 MEETINGS OF CREDITORS: 15 THINGS YOU SHOULD KNOW 341 Meetings of Creditors: 15 Things You Should Know. 8th July 2019 Bankruptcy, Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy; Comments Off on 341 Meetings of Creditors: 15 Things You Should Know; What is a 341 Meeting PA and Nationwide The 341 Meeting in Pennsylvania and nationwide is an important step in the

bankruptcy process.

10 BANKRUPTCY MYTHS YOU SHOULD KNOW Myth 8: Many people think you can only file bankruptcy once in a lifetime. Under the new bankruptcy laws, it is more difficult to file multiple times, but it is definitely still possible. You have no idea of how many people file bankruptcy a second time or third time. People

don’t

5 MISTAKES TO AVOID IN BANKRUPTCY Avoid Making These Mistakes In the Bankruptcy Process 1. Repaying friends, family members or business associates prior to filing Bankruptcy. Any payments to these individuals within one of the filing of Bankruptcy could allow these monies to be considered preferential payments and can be recovered by a Chapter 7 Trustee. In a Chapter 13 case, the trustee may choose to not attempt to recover WHAT IS FRAUDULENT CONVEYANCE IN BANKRUPTCY? Under fraudulent transfer law, fraudulent conveyance is: a transfer of assets or property. with the intent to place those assets or property outside the reach of creditors. A Bankruptcy Trustee who uncovers evidence of such transfers is empowered to avoid the transfer if it was made within two years of the filing of a bankruptcy petition. HOW TO STOP A SHERIFF SALE IN PA How to Stop a Sheriff Sale in PA. 16th January 2019 Foreclosure Defense, Uncategorized; None; The Pennsylvania Sheriff Sale Process. W hat is a sheriff sale in PA?Under Pennsylvania sheriff sale law, properties which suffer foreclosure or accrue unpaid taxes can be auctioned off in an attempt to recoup outstanding debts.. Tax sales and foreclosure sales are separate processes, but both are HOW TO KEEP YOUR PROPERTY USING PENNSYLVANIA BANKRUPTCY How to Keep Your Property using Pennsylvania Bankruptcy Exemptions. 11th February 2019 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy; None; A lot of people in Pennsylvania who want to file for bankruptcy first ask questions such as what will happen to their personal assets such as bank accounts, furniture, automobiles, retirement accounts, jewelry and of course, and of utmost BANKRUPTCY LAWYER PHILADELPHIA We can help you determine which type of bankruptcy is best for your financial situation. Contact the Law Offices of David M. Offen today to speak with a Philadelphia Bankruptcy Lawyer about filing Chapter 13 Bankruptcy at (215) 625-9600. HOW TO LEGALLY UNFREEZE A FROZEN BANK ACCOUNT How to Legally Unfreeze a Frozen Bank Account. 15th February 2019 Bankruptcy, Uncategorized; None; Why Bank Accounts Get Frozen. The two most common reasons for bank accounts to be frozen are 1) that the bank suspects fraudulent withdrawals on your account, and 2) a creditor or creditors have a judgment against you and are levying (seizing money from) your account to satisfy SPENDING BEFORE AND AFTER FILING CHAPTER 7 OR CHAPTER 13 Spending Money Before Filing Chapter 7 or Chapter 13. If you are considering filing a bankruptcy petition, you should avoid making luxury purchases or preferential transfers prior to filing. This means avoiding big purchases such as a second car or a house or an expensive vacation. This also means not repaying a loan to a friend or to family THINGS BANKRUPTCY COULD DO FOR YOU 25 Things You Didn't Know that Bankruptcy Could do for You, from Philadelphia Bankruptcy Attorney David Offen. We have heard the following remarks from hundreds of bankruptcy clients over the last 20 years, including lawyers and court employees that we have represented. Bankruptcy can help in more ways than most people realize. 341 MEETINGS OF CREDITORS: 15 THINGS YOU SHOULD KNOW 341 Meetings of Creditors: 15 Things You Should Know. 8th July 2019 Bankruptcy, Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy; Comments Off on 341 Meetings of Creditors: 15 Things You Should Know; What is a 341 Meeting PA and Nationwide The 341 Meeting in Pennsylvania and nationwide is an important step in the

bankruptcy process.

10 BANKRUPTCY MYTHS YOU SHOULD KNOW Myth 8: Many people think you can only file bankruptcy once in a lifetime. Under the new bankruptcy laws, it is more difficult to file multiple times, but it is definitely still possible. You have no idea of how many people file bankruptcy a second time or third time. People

don’t

5 MISTAKES TO AVOID IN BANKRUPTCY Avoid Making These Mistakes In the Bankruptcy Process 1. Repaying friends, family members or business associates prior to filing Bankruptcy. Any payments to these individuals within one of the filing of Bankruptcy could allow these monies to be considered preferential payments and can be recovered by a Chapter 7 Trustee. In a Chapter 13 case, the trustee may choose to not attempt to recover WHAT IS FRAUDULENT CONVEYANCE IN BANKRUPTCY? Under fraudulent transfer law, fraudulent conveyance is: a transfer of assets or property. with the intent to place those assets or property outside the reach of creditors. A Bankruptcy Trustee who uncovers evidence of such transfers is empowered to avoid the transfer if it was made within two years of the filing of a bankruptcy petition. HOW TO STOP A SHERIFF SALE IN PA How to Stop a Sheriff Sale in PA. 16th January 2019 Foreclosure Defense, Uncategorized; None; The Pennsylvania Sheriff Sale Process. W hat is a sheriff sale in PA?Under Pennsylvania sheriff sale law, properties which suffer foreclosure or accrue unpaid taxes can be auctioned off in an attempt to recoup outstanding debts.. Tax sales and foreclosure sales are separate processes, but both are HOW TO KEEP YOUR PROPERTY USING PENNSYLVANIA BANKRUPTCY How to Keep Your Property using Pennsylvania Bankruptcy Exemptions. 11th February 2019 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy; None; A lot of people in Pennsylvania who want to file for bankruptcy first ask questions such as what will happen to their personal assets such as bank accounts, furniture, automobiles, retirement accounts, jewelry and of course, and of utmost AFFORDABLE FEES AND PAYMENT PLANS We have affordable fees and payment plans available to help you as needed. Our law firm has assisted thousands of clients because we are easy to work with and make simple arrangements to help you get your case filed in the best, most efficient way possible. If you’re filing for Chapter 13 Bankruptcy, most of the legal fees can be

included in

HOW OFTEN CAN YOU DECLARE BANKRUPTCY? Call (215) 625-9600 to schedule a free consultation on how bankruptcy can help you to a better financial life. David M. Offen Esq. A native to the Philadelphia area, Mr. Offen attended Temple University College and Law School. Mr. Offen is licensed to practice in the States of Pennsylvania and New Jersey. He is a member of the Eastern District THINGS BANKRUPTCY COULD DO FOR YOU 25 Things You Didn't Know that Bankruptcy Could do for You, from Philadelphia Bankruptcy Attorney David Offen. We have heard the following remarks from hundreds of bankruptcy clients over the last 20 years, including lawyers and court employees that we have represented. Bankruptcy can help in more ways than most people realize. UNDERSTANDING THE BANKRUPTCY PROCESS IN PHILADELPHIA Contact The Law Offices of David M. Offen at 215-625-9600 today to learn more about how we can help you get through this difficult time. Once you file your bankruptcy petition, all of your creditors will be notified that they must immediately cease all collection efforts against you. This will include an automatic stay on foreclosure or any 10 BANKRUPTCY MYTHS YOU SHOULD KNOW Myth 8: Many people think you can only file bankruptcy once in a lifetime. Under the new bankruptcy laws, it is more difficult to file multiple times, but it is definitely still possible. You have no idea of how many people file bankruptcy a second time or third time. People don’t plan to file bankruptcy. Job loss, divorce, illness HOW SOON AFTER BANKRUPTCY CAN I LEASE OR RENT? For a free consultation with a bankruptcy lawyer on how you can rent or lease an apartment or home after filing bankruptcy, and how to otherwise quickly get your financial situation under control call The Law Offices of David M. Offen at 215-625-9600. Our office is located in Center City Philadelphia and is very easy to reach from

Philadelphia

5 MISTAKES TO AVOID IN BANKRUPTCY Avoid Making These Mistakes In the Bankruptcy Process 1. Repaying friends, family members or business associates prior to filing Bankruptcy. Any payments to these individuals within one of the filing of Bankruptcy could allow these monies to be considered preferential payments and can be recovered by a Chapter 7 Trustee. In a Chapter 13 case, the trustee may choose to not attempt to recover HOW TO GET RID OF PRIVATE STUDENT LOANS IN BANKRUPTCY Due to COVID-19, all cases can be filed without coming in person to our office. Everything can be handled over the phone or through zoom.

Our staff

WHAT ARE THE ALTERNATIVES TO BANKRUPTCY IN PENNSYLVANIA? 3) Debt Consolidation. Consolidating your debt may be another option if you have a regular source of income. With debt consolidation, you may be able to combine your debt into a monthly payment. Loan Modification – if you’ve fallen behind on mortgage payments, a loan modification may be an option to help avoid foreclosure. HOW TO PROTECT YOUR LIFE INSURANCE IN BANKRUPTCY How to Protect Your Life Insurance in Bankruptcy. 24th July 2019 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy; Comments Off on How to Protect Your Life Insurance in Bankruptcy; If you are filing for bankruptcy and either have a life insurance policy or are the beneficiary of one, there are several ways you can protect the value

of the policy.

BANKRUPTCY LAWYER PHILADELPHIA We can help you determine which type of bankruptcy is best for your financial situation. Contact the Law Offices of David M. Offen today to speak with a Philadelphia Bankruptcy Lawyer about filing Chapter 13 Bankruptcy at (215) 625-9600. HOW TO LEGALLY UNFREEZE A FROZEN BANK ACCOUNT How to Legally Unfreeze a Frozen Bank Account. 15th February 2019 Bankruptcy, Uncategorized; None; Why Bank Accounts Get Frozen. The two most common reasons for bank accounts to be frozen are 1) that the bank suspects fraudulent withdrawals on your account, and 2) a creditor or creditors have a judgment against you and are levying (seizing money from) your account to satisfy SPENDING BEFORE AND AFTER FILING CHAPTER 7 OR CHAPTER 13 Spending Money Before Filing Chapter 7 or Chapter 13. If you are considering filing a bankruptcy petition, you should avoid making luxury purchases or preferential transfers prior to filing. This means avoiding big purchases such as a second car or a house or an expensive vacation. This also means not repaying a loan to a friend or to family HOW OFTEN CAN YOU DECLARE BANKRUPTCY? Call (215) 625-9600 to schedule a free consultation on how bankruptcy can help you to a better financial life. David M. Offen Esq. A native to the Philadelphia area, Mr. Offen attended Temple University College and Law School. Mr. Offen is licensed to practice in the States of Pennsylvania and New Jersey. He is a member of the Eastern District HOW SOON AFTER BANKRUPTCY CAN I LEASE OR RENT? For a free consultation with a bankruptcy lawyer on how you can rent or lease an apartment or home after filing bankruptcy, and how to otherwise quickly get your financial situation under control call The Law Offices of David M. Offen at 215-625-9600. Our office is located in Center City Philadelphia and is very easy to reach from

Philadelphia

341 MEETINGS OF CREDITORS: 15 THINGS YOU SHOULD KNOWBANKRUPTCY MEETING OF CREDITORSBANKRUPTCY MEETING OF CREDITORS QUESTIONSBANKRUPTCY MEETING OF CREDITORS QUESTIONSFIRST MEETING OF CREDITORSMEETING OF CREDITORS CHAPTER 7AFTER BANKRUPTCY MEETING OF CREDITORS 341 Meetings of Creditors: 15 Things You Should Know. 8th July 2019 Bankruptcy, Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy; Comments Off on 341 Meetings of Creditors: 15 Things You Should Know; What is a 341 Meeting PA and Nationwide The 341 Meeting in Pennsylvania and nationwide is an important step in the

bankruptcy process.

HOW TO STOP A SHERIFF SALE IN PA How to Stop a Sheriff Sale in PA. 16th January 2019 Foreclosure Defense, Uncategorized; None; The Pennsylvania Sheriff Sale Process. W hat is a sheriff sale in PA?Under Pennsylvania sheriff sale law, properties which suffer foreclosure or accrue unpaid taxes can be auctioned off in an attempt to recoup outstanding debts.. Tax sales and foreclosure sales are separate processes, but both are A GUIDE TO PENNSYLVANIA FORECLOSURE LAWS AND YOUR RIGHTS For a bankruptcy and/or foreclosure consultation in Philadelphia and surrounding areas, call Philadelphia foreclosure lawyer David M. Offen at (215) 625-9600. Our firm helps people save their homes and get a fresh start! A native to the Philadelphia area, Mr. HOW TO KEEP YOUR PROPERTY USING PENNSYLVANIA BANKRUPTCYBANKRUPTCY EXEMPTIONS IN PENNSYLVANIACHAPTER 7 BANKRUPTCY IN PENNSYLVANIACHAPTER 7 BANKRUPTCY PENNSYLVANIA How to Keep Your Property using Pennsylvania Bankruptcy Exemptions. 11th February 2019 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy; None; A lot of people in Pennsylvania who want to file for bankruptcy first ask questions such as what will happen to their personal assets such as bank accounts, furniture, automobiles, retirement accounts, jewelry and of course, and of utmost DOES BANKRUPTCY CLEAR CHILD SUPPORT? Chapter 13 Bankruptcy will not itself stop child support – neither the obligation to make continuing payments post-petition (after filing bankruptcy) nor the obligation to pay pre-petition (before filing) arrears. In other words, if an obligor files a Chapter 13 petition, he or she must continue to make child support payments and is still BANKRUPTCY LAWYER PHILADELPHIA We can help you determine which type of bankruptcy is best for your financial situation. Contact the Law Offices of David M. Offen today to speak with a Philadelphia Bankruptcy Lawyer about filing Chapter 13 Bankruptcy at (215) 625-9600. HOW TO LEGALLY UNFREEZE A FROZEN BANK ACCOUNT How to Legally Unfreeze a Frozen Bank Account. 15th February 2019 Bankruptcy, Uncategorized; None; Why Bank Accounts Get Frozen. The two most common reasons for bank accounts to be frozen are 1) that the bank suspects fraudulent withdrawals on your account, and 2) a creditor or creditors have a judgment against you and are levying (seizing money from) your account to satisfy SPENDING BEFORE AND AFTER FILING CHAPTER 7 OR CHAPTER 13 Spending Money Before Filing Chapter 7 or Chapter 13. If you are considering filing a bankruptcy petition, you should avoid making luxury purchases or preferential transfers prior to filing. This means avoiding big purchases such as a second car or a house or an expensive vacation. This also means not repaying a loan to a friend or to family HOW OFTEN CAN YOU DECLARE BANKRUPTCY? Call (215) 625-9600 to schedule a free consultation on how bankruptcy can help you to a better financial life. David M. Offen Esq. A native to the Philadelphia area, Mr. Offen attended Temple University College and Law School. Mr. Offen is licensed to practice in the States of Pennsylvania and New Jersey. He is a member of the Eastern District HOW SOON AFTER BANKRUPTCY CAN I LEASE OR RENT? For a free consultation with a bankruptcy lawyer on how you can rent or lease an apartment or home after filing bankruptcy, and how to otherwise quickly get your financial situation under control call The Law Offices of David M. Offen at 215-625-9600. Our office is located in Center City Philadelphia and is very easy to reach from

Philadelphia

341 MEETINGS OF CREDITORS: 15 THINGS YOU SHOULD KNOWBANKRUPTCY MEETING OF CREDITORSBANKRUPTCY MEETING OF CREDITORS QUESTIONSBANKRUPTCY MEETING OF CREDITORS QUESTIONSFIRST MEETING OF CREDITORSMEETING OF CREDITORS CHAPTER 7AFTER BANKRUPTCY MEETING OF CREDITORS 341 Meetings of Creditors: 15 Things You Should Know. 8th July 2019 Bankruptcy, Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy; Comments Off on 341 Meetings of Creditors: 15 Things You Should Know; What is a 341 Meeting PA and Nationwide The 341 Meeting in Pennsylvania and nationwide is an important step in the

bankruptcy process.

HOW TO STOP A SHERIFF SALE IN PA How to Stop a Sheriff Sale in PA. 16th January 2019 Foreclosure Defense, Uncategorized; None; The Pennsylvania Sheriff Sale Process. W hat is a sheriff sale in PA?Under Pennsylvania sheriff sale law, properties which suffer foreclosure or accrue unpaid taxes can be auctioned off in an attempt to recoup outstanding debts.. Tax sales and foreclosure sales are separate processes, but both are A GUIDE TO PENNSYLVANIA FORECLOSURE LAWS AND YOUR RIGHTS For a bankruptcy and/or foreclosure consultation in Philadelphia and surrounding areas, call Philadelphia foreclosure lawyer David M. Offen at (215) 625-9600. Our firm helps people save their homes and get a fresh start! A native to the Philadelphia area, Mr. HOW TO KEEP YOUR PROPERTY USING PENNSYLVANIA BANKRUPTCYBANKRUPTCY EXEMPTIONS IN PENNSYLVANIACHAPTER 7 BANKRUPTCY IN PENNSYLVANIACHAPTER 7 BANKRUPTCY PENNSYLVANIA How to Keep Your Property using Pennsylvania Bankruptcy Exemptions. 11th February 2019 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy; None; A lot of people in Pennsylvania who want to file for bankruptcy first ask questions such as what will happen to their personal assets such as bank accounts, furniture, automobiles, retirement accounts, jewelry and of course, and of utmost DOES BANKRUPTCY CLEAR CHILD SUPPORT? Chapter 13 Bankruptcy will not itself stop child support – neither the obligation to make continuing payments post-petition (after filing bankruptcy) nor the obligation to pay pre-petition (before filing) arrears. In other words, if an obligor files a Chapter 13 petition, he or she must continue to make child support payments and is still CONTACT - DAVID OFFEN, ESQ. The Law Offices of David M. Offen. The Curtis Center. 601 Walnut Street, Suite 160 West – 1st Floor. Philadelphia, PA 19106. Phone: 215-625-9600. Fax: 215-625-9734. The Law Offices of David M. Offen schedules flexible appointment times so that you do not have to miss work to meet with your lawyer. Evening appointments and convenient

hours are

THE BANKRUPTCY BLOG

Contact Philadelphia tax attorney David M. Offen and put his more than 20 years’ experience as a bankruptcy and tax settlement lawyer to work for you. Mr. Offen knows how to negotiate with the IRS to settle tax debt and has helped hundreds of people resolve . Read more. HOW SOON AFTER BANKRUPTCY CAN I LEASE OR RENT? For a free consultation with a bankruptcy lawyer on how you can rent or lease an apartment or home after filing bankruptcy, and how to otherwise quickly get your financial situation under control call The Law Offices of David M. Offen at 215-625-9600. Our office is located in Center City Philadelphia and is very easy to reach from

Philadelphia

10 BANKRUPTCY MYTHS YOU SHOULD KNOW Myth 8: Many people think you can only file bankruptcy once in a lifetime. Under the new bankruptcy laws, it is more difficult to file multiple times, but it is definitely still possible. You have no idea of how many people file bankruptcy a second time or third time. People don’t plan to file bankruptcy. Job loss, divorce, illness 5 MISTAKES TO AVOID IN BANKRUPTCY Avoid Making These Mistakes In the Bankruptcy Process 1. Repaying friends, family members or business associates prior to filing Bankruptcy. Any payments to these individuals within one of the filing of Bankruptcy could allow these monies to be considered preferential payments and can be recovered by a Chapter 7 Trustee. In a Chapter 13 case, the trustee may choose to not attempt to recover WHAT IS FRAUDULENT CONVEYANCE IN BANKRUPTCY? Under fraudulent transfer law, fraudulent conveyance is: a transfer of assets or property. with the intent to place those assets or property outside the reach of creditors. A Bankruptcy Trustee who uncovers evidence of such transfers is empowered to avoid the transfer if it was made within two years of the filing of a bankruptcy petition. ARE PERSONAL BANKRUPTCY FILINGS PUBLIC INFORMATION The Law Offices of David M. Offen located in Philadelphia can help you find solutions to your financial problems and get you back on track. For a free consultation on how to quickly get your financial situation under control Call The Law Offices of David M. Offen at 215-625-9600. They are located in Center City Philadelphia – and are very CAN I FILE BANKRUPTCY TWICE The attorney can explain this complex area of the law in simple terms so that you will be able to completely understand what happens if you file bankruptcy twice. If you are ready to take the first steps toward financial freedom, call The Law Offices of David M. Offen today at (215) 625-9600 to schedule your free initial consultation. HOW TO PROTECT YOUR LIFE INSURANCE IN BANKRUPTCY How to Protect Your Life Insurance in Bankruptcy. 24th July 2019 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy; Comments Off on How to Protect Your Life Insurance in Bankruptcy; If you are filing for bankruptcy and either have a life insurance policy or are the beneficiary of one, there are several ways you can protect the value

of the policy.

WHAT IS CHAPTER 7 LIQUIDATION UNDER THE BANKRUPTCY CODE? Chapter 7 Bankruptcy Definition. Chapter 7 of the Bankruptcy Code provides for “liquidation” of a debtor’s assets, and grants a debtor a “discharge” of unsecured debt when the 4-6 month process is complete. Filing a Chapter 7 petition stops or “stays” collection efforts or "The best move I have ever made" SCHEDULE A FREE CONSULTATION Call Now for a Free Consultation (215) 278-4519 Due to COVID-19, all cases can be filed without coming in person to our office. Everything can be handled over the phone or through zoom. Our staff is available to help you from the comfort of your own home. No need to come into our office at all!

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WE HAVE FILED OVER 11,000 Bankruptcy Cases IN A MATTER OF MINUTES FIND OUT HOW WE CAN HELP YOU Have a Much Better Financial Life ALL WE DO IS TAKE CARE OF MONEY AND DEBT PROBLEMS And We Do It Well WE HAVE OVER 20 YEARS OF EXPERIENCE And We Have Discharged over $100,000,000 in Debt One Of The Leading Consumer Bankruptcy Law Firms In Eastern Pennsylvania Since 1990 TRUSTED BY THOUSANDS OF CLIENTS In Philadelphia And The Suburbs WE HAVE FILED OVER 11,000 Bankruptcy Cases IN A MATTER OF MINUTES FIND OUT HOW WE CAN HELP YOU Have a Much Better Financial Life ALL WE DO IS TAKE CARE OF MONEY AND DEBT PROBLEMS And We Do It Well WE HAVE OVER 20 YEARS OF EXPERIENCE And We Have Discharged over $100,000,000 in Debt One Of The Leading Consumer Bankruptcy Law Firms In Eastern Pennsylvania Since 1990 TRUSTED BY THOUSANDS OF CLIENTS In Philadelphia And The Suburbs WE HAVE FILED OVER 11,000 Bankruptcy Cases IN A MATTER OF MINUTES FIND OUT HOW WE CAN HELP YOU Have a Much Better Financial Life AWARDS / MEMBERSHIPS

STOP

* Bill Collectors

* Home Foreclosure

* Sheriff Sales

* Auto Repossession

* Lawsuits

* I.R.S. Seizures

* Utility Shutoffs

* Bank Account Levies

* Wage Garnishments

* License Suspensions

ELIMINATE

* Credit Card Debts

* Personal Loans

* Payday Loans

* Some Taxes

* Medical Bills

* Utility Bills

* Judgments

* Bad Mortgage Debt

KEEP

* Your Home

* Your Vehicle

* Your Wages

* Your Future Funds

* Your Furniture

* All your property

* Your License

* Your Retirement Fund BANKRUPTCY LAWYER IN PHILADELPHIA PA For over 20 years, Philadelphia Bankruptcy Lawyer David M. Offen has found solutions to client’s financial problems. PHILADELPHIA BANKRUPTCY LAWYER WILL HELP YOU GET BACK ON YOUR FEET Our office has helped many thousands of individuals and families in Pennsylvania, both with and without Bankruptcy. We put a stop to Mortgage Foreclosures, Tax Foreclosures, Lawsuits, IRS Debt, Credit Card and medical debt, personal loans, and Bill Collectors every day in Philadelphia and beyond. WE ARE CURRENTLY RATED SUPERB BY AVVO, HAVE BEEN AWARDED THE FIVE-STAR CLIENT’S CHOICE AWARD FROM AVVO YEAR AFTER YEAR, HAVE BEEN RATED AS ONE OF THE THREE BEST BANKRUPTCY LAWYERS IN PHILADELPHIA BY THREE BEST RATED. MARTINDALE HUBBELL HAS ALSO AWARDED OUR OFFICE THE 2019 CLIENT DISTINCTION GOLD AWARD for exceptional service to clients. We have filed over 11,000 Chapter 7 and Chapter 13 Bankruptcy cases in Philadelphia and the surrounding

areas.

There is a lot of misinformation out there on filing bankruptcy. Get straightforward and accurate bankruptcy information from an experienced, caring, and compassionate bankruptcy lawyer in Philadelphia, Pennsylvania who will answer all the questions you may

have.

You will find that our office is very friendly and we are very easy to reach. We address any concerns you may have about filing for bankruptcy. We know you will get the answers to your questions and you will walk out feeling better than when you walked in. Many people who come into our office are way behind on their bills, with bill and debt collectors calling them on a regular basis. Other people who come into our office are completely up to date on all their bills, but they always pay the minimum payment with the amount of their debt never getting smaller. The interest rates on their bills are high and there is no way to simply pay off their bills in full. We will advise you when filing for Bankruptcy is the right move, as well as when filing for Bankruptcy is not your best bet. Call us today for a FREE CONFIDENTIAL CONSULTATION AND SPEAK WITH A BANKRUPTCY LAWYER IN PHILADELPHIA. We can help you to relieve your stress and allow you to feel much better in your financial situation. Stop worrying and start living a normal life. LET US HELP YOU TODAY FOR A BETTER FINANCIAL LIFE TOMORROW. YOU NEED AN EXPERIENCED PHILADELPHIA BANKRUPTCY LAWYER ON YOUR SIDE The Law Offices of David M. Offen provides personal service when you need a Bankruptcy Lawyer. We have helped over 11,000 clients in the Philadelphia area to obtain a fresh financial start. Bankruptcy provides debt relief and lets you start enjoying life again. You can wipe out or reduce many types of debt. TAKE ACTION TODAY! CONTACT US NOW TO SCHEDULE A FREE CONSULTATION WITH A PHILADELPHIA BANKRUPTCY LAWYER. There are also Non-Bankruptcy options available and we can advise what is the best option for you based on your individual circumstances. You’ll be glad you called. Don’t file for bankruptcy without consulting us. You can view some of our more frequently asked questions on our Bankruptcy FAQs

page.

Some people choose to file Bankruptcy on their own. In many cases, people come to us having mistakenly chosen the wrong Chapter, or having filed Bankruptcy under Chapter 7 after transferring property with no mortgage debt to a relative, when they should have never filed Bankruptcy. There is a reason why many Lawyers come to us when they want to file for Bankruptcy protection on behalf of a client. They don’t want to make a mistake in doing something which they are not familiar with. Even an innocent mistake with no wrong intent can result in the property being lost which could otherwise have easily have been protected. You will feel better knowing you have an experienced Bankruptcy Lawyer in Philadelphia on your side. LOCAL PHILADELPHIA BANKRUPTCY ATTORNEY Are you overwhelmed with debt? Do you feel as though there is no way out of the financial burden of your debt? If you need a Philadelphia Bankruptcy Attorney, look no further than The Law Offices of David M. Offen. As an experienced Philadelphia Chapter 7 Attorney

, we

know how to help you get a fresh financial start. We also know how to keep your creditors at bay, stop collection calls and lawsuits, and put an end to wage garnishments. We are a local bankruptcy law firm in Philadelphia, Pennsylvania, and we can help you with your financial difficulties. If you are facing Mortgage Foreclosure, Auto Repossession, Wage Garnishment, or your income is too high for a Chapter 7, then a Chapter 13 Bankruptcy filing as discussed below may be the right ticket to quickly get you on the road to financial

recovery.

CHAPTER 7 BANKRUPTCY ATTORNEY IN PHILADELPHIA PA The most common type of bankruptcy is Chapter 7. Often referred to as liquidation bankruptcy, Chapter 7 bankruptcy is used by those who don’t have a lot of property or other assets. As your Philadelphia bankruptcy lawyer, we can show you how Chapter 7 allows you to discharge and wipe away most of your unsecured debt. Some examples of unsecured debt include:

* Credit card bills

* Lines of credit

* Medical bills

* Old utility bills

* Balances on auto loans after repossession * Car accident judgments

* And more!

If you meet the qualifications for Chapter 7 bankruptcy, you will usually be able to keep all or nearly all of your property through various exemptions, such as homestead or personal property exemptions. You may also end up keeping some of the items you’ve taken out loans for, such as automobiles, appliances or furniture. You will generally need to continue paying those loans on the secured debts – home, car, and furniture. But to be certain, you will need to speak to a qualified Chapter 7 bankruptcy lawyer in Philadelphia who can advise you on what will happen. Some debts, such as student loans, criminal fines, intentional torts, and child support are not dischargeable. In order to discharge student loan debt, you need to file a special lawsuit asking the Court to allow the discharge of the debt, however, the standard which the Court uses makes it very difficult to discharge student loan debt. _Contact the Law Offices of David M. Offen today to speak with a Philadelphia Bankruptcy Lawyer about filing Chapter 7 Bankruptcy at

(215) 278-4519._

CHAPTER 13 BANKRUPTCY ATTORNEY IN PHILADELPHIA PA Another common type of bankruptcy is Chapter 13. This type of bankruptcy is an individual reorganization plan which can help you keep your home if you are behind on your mortgage or real estate taxes and will stop foreclosure in Philadelphia and elsewhere. It also lets you keep your car if you are behind on your auto purchase loan. A repayment plan is filed with the court and generally lasts from three to five years. After you have made payments for three to five years, the rest of your debt is discharged without any further repayment. In many cases, you pay back little or no money at all on your unsecured debt. This type of Bankruptcy is used to stop foreclosures, repossessions, when your income is too high for Chapter 7 and when your assets are worth a lot and you don’t want to lose any property. As a Philadelphia Chapter 13 Bankruptcy Lawyer

, we

can help you determine which type of Bankruptcy is best for your financial situation and can help you to quickly get out of debt. You need to know there are debt limits for Chapter 13 cases and if you exceed the limits you cannot file for Chapter 13 Bankruptcy protection. The limit for the total amount of secured debt is $1,257,850, and for unsecured debts, the limit is $419,275. Some Bankruptcy Courts have recently held that monies owed on student loans should not be included in the $419,275 limit. We can help you determine which type of bankruptcy is best for your financial

situation.

_Contact the Law Offices of David M. Offen today to speak with a Philadelphia Bankruptcy Lawyer about filing Chapter 13 Bankruptcy at

(215) 278-4519._

MORTGAGE FORECLOSURE DEFENSE & STOPPING SHERIFF SALES IN

PHILADELPHIA

Stopping Mortgage Foreclosure and Sheriff Sale is within your reach. Your mortgage or tax debt and your financial circumstances help to determine what makes the most sense for you. In some cases, a repayment plan makes sense. Sometimes a forbearance plan may be a good idea and you usually have nothing to lose by asking for a forbearance plan or a mortgage loan modification as long as you are not under the threat of an immediate sheriff sale. You may also be able to get extra time to sell your property if that

is your goal.

In some cases, if you don’t want to keep the property, the mortgage company will let you give them the property in what is known as a Deed in Lieu of Foreclosure. If you feel that the mortgage company has acted improperly or unfairly, then you can challenge the foreclosure in the State Courts. This will usually take several months at a minimum. Sometimes filing a Chapter 7 Bankruptcy can give you several months to get caught up or to stay in the property if you will no longer be making any mortgage payments. The Mortgage Foreclosure or Tax Foreclosure is stopped by the filing of the Bankruptcy. If you need a lot of time to get caught up and want to keep the property, then filing a Chapter 13 Bankruptcy can get you up to five years to get fully caught up on the mortgage arrears for your

property.

If the mortgage company has a judgment, you can file a Motion to postpone the Sheriff Sale in the Court of Common Pleas, asking the Judge to postpone the Sheriff Sale and giving you additional time to

work things out.

The Law Offices of David M. Offen has stopped thousands of Mortgage Foreclosures and Sheriff Sales in Philadelphia and the surrounding

counties.

THE AUTOMATIC BANKRUPTCY STAY BRINGS YOU IMMEDIATE RELIEF UPON FILING FOR BANKRUPTCY IN PHILADELPHIA When you file for Bankruptcy protection in Philadelphia, the immediate effect is the Bankruptcy Court stops any creditor action against you. Any Mortgage Foreclosure on your home or Real Estate Tax Foreclosure is immediately stopped. Lawsuits against you are immediately stopped by the filing. Any Auto Repossession activity against you is prohibited as soon as you have filed for Bankruptcy protection. Wage garnishment actions against you are prohibited. Utility shut-offs, such as electric, gas, water, and telephone services are prohibited once your Bankruptcy case has been filed. Creditors are prohibited from calling you, billing you, sending you collection letters or harassing you in any way. The IRS, The Commonwealth of Pennsylvania, and the City of Philadelphia are prohibited from proceeding with Civil Tax Collection actions against you. In addition, individuals whose driver licenses were suspended due to a judgment for lack of auto insurance can have their driver licenses restored. In many cases, Eviction actions against you are also stopped. HOW TO FILE BANKRUPTCY IN PHILADELPHIA BY A TOP RATED PHILADELPHIA

BANKRUPTCY LAWYER

Individuals and couples come to our office to file for Bankruptcy. Based on their situation, we advise them on whether Chapter 7 Bankruptcy, Chapter 13 Bankruptcy or no Bankruptcy is in their best interest. When filing for Bankruptcy protection, we can also advise which day of the month is the best day to file for Bankruptcy and bring the Automatic Bankruptcy Stay into effect. THE FOLLOWING IS THE TYPICAL PROCESS OF FILING FOR BANKRUPTCY IN

PHILADELPHIA:

* Get the information of the creditors to whom you owe money and your income information, as well as a list of any assets that you have and the appropriate information on them. We always get a copy of the Credit report showing who your creditors are. We also put together a list of all your assets as well as any liabilities (debts) that you

have outstanding.

* Before you file for Bankruptcy in Philadelphia, you are required under the U.S. Bankruptcy Code to complete credit counseling with only very limited exceptions to the Credit Counseling requirements. This type of counseling is usually less than an hour long and can be done on the phone or the computer. The brief session reviews your financial situation and discusses options for dealing with your debt that usually confirms that Bankruptcy is your best option. * Complete the Bankruptcy Petition whether you are filing for protection under Chapter 7 Bankruptcy or under Chapter 13 Bankruptcy. There are over 20 different forms which total over 60 pages which need to be properly completed. There is a Voluntary Petition asking the Court to give you Bankruptcy protection where you must state if you are a renter and if you have filed for Bankruptcy within the last 8 years. The Schedules are as follows: * Schedule A and B – a list of your real estate and personal

assets,

* Schedule C – a list of your exemptions, * Schedule D – a list of your secured debt, * Schedule E – a list of your priority debt such as taxes, * Schedule F – a list of your general unsecured debts, * Schedule G – covers pending contracts and unexpired leases, * Schedule H is a list of Co-Debtors or any Co-Signers that you have also signed for a debt, Schedule I – a list of your monthly Income

and

* Schedule J is a list of your monthly expenses. You need to sign a form that the Schedules are true to the best of

your knowledge.

* There is the Statement of Financial Affairs where you answer questions about finances, assets and any business you have. * Next is the Summary of your assets and liabilities showing the total of your assets and debts. When filing a Chapter 7 you fill in a Statement of Intention regarding what you intend to do with your mortgage, car or other secured debt. WHEN FILING A CHAPTER 13 BANKRUPTCY YOU FILE A REPAYMENT PLAN INSTEAD In addition, when filing Chapter 7 you must file a Current monthly income and Chapter 7 means test. This shows if you if your income and expenses justify you getting relief under Chapter 7. If you file for Chapter 13 you must file the Statement of Current Monthly Income and Expenses which shows if you are able to afford to pay back your creditors, Lastly, there are forms where you fill in your social security number and another form called a matrix that the Court uses to mail notices of your Bankruptcy filing to all of your creditors. * The U.S. Bankruptcy Court in Philadelphia is located at 900 Market Street. This is the location where any type of Bankruptcy case: Chapter 7 Bankruptcy, Chapter 11 Bankruptcy or Chapter 13 Bankruptcy is filed in Philadelphia. When an Attorney files the Bankruptcy, it is filed online. A case number is given immediately upon the filing of the case and that is the case number you give to creditors who are now prohibited from contacting you. The Automatic Stay from the Bankruptcy filing now protects you. * After filing, a trustee is appointed to review your case. The trustee is appointed whether you file for Bankruptcy relief under Chapter 7 or Chapter 13. Your Bankruptcy Lawyer supplies the Trustee copies of documents such as proof of your income, your bank balance statements, your last filed tax return (if you file taxes) and other documents regarding your assets and debts. * In Philadelphia, when you file for Bankruptcy protection, the meeting of creditors, also known as The Section 341(a) meeting required under Title 11 of the United States Bankruptcy Code is usually scheduled within 30-40 days. * Take the second Bankruptcy course, also known as a debtor education or financial management class. This course is taken on the phone or online. You will be issued a Certificate showing you have completed the session. Try to take this class prior to the meeting of

creditors.

* Section 341(a) Meeting of Creditors – This is where your attorney goes with you to meet your trustee. The trustee will ask questions to confirm that the Bankruptcy Petition is accurate. The trustee is looking to confirm that the information about your income, expenses, assets and liabilities is correct. He or she also looks to ensure that you have no valuable assets that you are trying to hide and that you have not transferred your property to friends or relatives. The meeting of creditors usually takes about 10-15 minutes. You must have a Government issued photo ID and proof of your social security number in order for the meeting to be held. * At the conclusion of a Chapter 7 Meeting of creditors, the trustee will usually recommend a discharge if there are no issues. If the trustee has a question, he may ask for more documentation or in some cases continue the hearing. If the trustee finds no assets, he will file a report indicating no assets and issue a recommendation for a discharge. If there are no objections filed, the Bankruptcy Judge will usually enter a discharge approximately 60-75 days after the meeting

of creditors.

* In a Chapter 13 case, the trustee will indicate anything else your lawyer should do with your case or if there is any need to change your repayment plan. Your Bankruptcy Lawyer will update the repayment plan to cover the allowable claims which are owed. If creditors object to your plan, it usually relates to a mortgage or car loan you want to keep that is not being correctly paid. Your Bankruptcy Attorney will then file an Amended Plan so that your plan matches what you owe. Once the Trustee is satisfied with your plan, the Trustee issues a recommendation to approve the plan, which the Court typically accepts. The Bankruptcy Judge then issues an Order confirming which means the Court is approving the plan. BANKRUPTCY EXEMPTIONS IN PENNSYLVANIA – THE KEY TO PROTECTING YOUR

ASSETS

The key to protecting your assets when you filing for Bankruptcy is the proper use of the Exemptions allowed under the Law. You need to choose whether you want to use the Federal Exemptions or use the Exemptions allowed by the Commonwealth of Pennsylvania. In most cases, the Federal exemptions are preferable and will be used in over 95% of cases based on our experience. However, in certain situations such as a married couple that jointly owns property with substantial equity, the State Exemptions may provide you with a superior result.. By informing your Attorney of your financial situation, you can be given proper advice to protect your assets and achieve the best financial results by having your lawyer select the best exemptions for your situation. WHO DO WE REPRESENT AS PHILADELPHIA BANKRUPTCY LAWYERS? Laborers, Federal, State, and City Government workers, Computer programmers, Hospital workers, Doctors, Nurses, Caretakers, Factory workers, Contractors, Police Officers, Firefighters, School teachers, Supermarket employees, Insurance Company employees, other Lawyers, Salespeople, Maintenance and repair workers, Retail clerks, Postal workers, SEPTA workers, Utility workers, Construction workers, Truck drivers, Taxi drivers,Uber and Lyft drivers, Office and Union workers,Federal, State and City Court employees, self-employed persons, Unemployed people,persons on social security and disability and many other people just like you. Our office, with its many years of experience, provides personal service to each individual and family. ASK YOUR PHILADELPHIA BANKRUPTCY LAWYER QUESTIONS ABOUT YOUR FINANCIAL

SITUATION

There is no such thing as a bad question. The only bad question is the one that you don’t ask. The Law Offices of David M. Offen has represented many lawyers who have their own debt problems. If the lawyers that we represent have questions about their own situations, isn’t it natural to expect that you will have many questions about your situation? Can I keep all my property? How do I save my home? How do I save my car? How can I stop the foreclosure? Can I file for Bankruptcy without my spouse? Should I file bankruptcy at all? What is the difference between Chapter 7 and Chapter 13 Bankruptcy in my case? Is Bankruptcy the best approach or are there other options? Is Debt Settlement a better idea? Make up a list of questions and ask questions – lots of them. Don’t make a mistake. The more you know, the better off you are. Get answers to all of your questions from a very experienced Philadelphia Bankruptcy Lawyer. We will tell you the best action for you to take in your situation. You will be glad that you reached out to us and may well wish you had contacted us sooner. HOW A PHILADELPHIA BANKRUPTCY ATTORNEY CAN IMPROVE YOUR LIFE There are many benefits to filing for Bankruptcy in Philadelphia. The end result in almost all Chapter 7 Bankruptcy cases is the discharge of nearly all of your unsecured debts. Credit card debts, personal loans, medical bills, payday loans, some old tax debts, and many other debts can be eliminated and discharged. If you are in arrears on a car or mortgage then you are required to quickly get caught up if you file for protection under Chapter 7. If you are unable to get caught up quickly, Chapter 13 Bankruptcy will be your much better option as you are given up to five years to get caught up on mortgage loan payments, auto loan payments or back real estate taxes. If a foreclosure has begun or a Sheriff sale has been scheduled, it will stop the proceedings against you. If you owe the IRS recent taxes which are non-dischargeable, you can also get up to five years to repay. If you have a high income and are not eligible for Chapter 7 then Chapter 13 is a good option. Chapter 13 freezes your bills and gives you up to five years to pay back based on what you can afford to pay with no interest charges at all. We can guide you as to which type of Bankruptcy filing would get you the best result – Filing Chapter 7 Bankruptcy, Filing Chapter 13 Bankruptcy or No Bankruptcy filing at all. The Bankruptcy Law in Pennsylvania gives a choice of exemptions to help protect your property as discussed above and we can guide you as to which exemptions will be better in your specific case. We can also advise you whether filing Bankruptcy individually or jointly is better

for you.

What you should not do is listen to what other individuals tell you who do not have a thorough understanding of Bankruptcy Law in Philadelphia, Pa. You may be told your situation is hopeless when in reality you can be helped very easily. What applies in one person’s case is often totally inapplicable to a different case. Just one fact, such as having a mortgage, a lower-income, an IRS debt, or a lot of assets can totally distinguish one case from another. Every day, people come into our office telling us what they understand Bankruptcy can and cannot do and the information they have been given is often totally inaccurate. We know how to help you improve your financial

life.

AFFORDABLE PHILADELPHIA BANKRUPTCY ATTORNEY IN PHILADELPHIA, PA An individual coming in to file Bankruptcy usually does not have much money and very often cannot afford a lawyer. For this reason, we have easily affordable fees so that virtually everyone can afford our services. In many cases, we can file for Bankruptcy even when you have little or no money at all for legal fees. We don’t represent rich people. We represent good people who have financial problems. BANKRUPTCY CAN HELP IMPROVE YOUR CREDIT OVER TIME People often come in wanting to file Bankruptcy, but they worry about what Bankruptcy will do to their credit. In many cases, Bankruptcy may be the best method to improve your financial situation. In other cases, people come in with a credit report that is far from perfect. As long as you have outstanding unpaid bills or can only pay the bare minimum, your credit can suffer. In many cases, you can improve your credit situation by filing Bankruptcy and begin your road to financial

recovery.

WHEN YOU NEED THE BEST BANKRUPTCY LAWYER IN PHILADELPHIA The U.S. Congress has declared our office to be a debt relief agency. We proudly help people file for relief under the Bankruptcy Code in Philadelphia and surrounding areas. Bankruptcy is a complex area of the law that requires knowledge and experience in the field, which is why you need a qualified and experienced Bankruptcy Lawyer in Philadelphia. If you decide to file Bankruptcy, our 20 plus years of experience in handling virtually every type of situation can help ensure that your case proceeds smoothly. An experienced bankruptcy lawyer can get you the results you are dreaming about. In many cases, Bankruptcy may be the best method to improve your financial situation. YOU CAN PUT AN END TO YOUR FINANCIAL STRESS. THE ADVICE IS FREE, AND THE CONSULTATION IS PRICELESS. GET THE RIGHT RESULTS THE FIRST TIME! GET THE FRESH START THAT YOU HAVE BEEN HOPING FOR. WE REPRESENT CLIENTS THROUGHOUT PHILADELPHIA, BUCKS COUNTY, CHESTER COUNTY, DELAWARE COUNTY, AND MONTGOMERY COUNTY. IN MANY CASES, IF YOU HAVE AN EMERGENCY AND ARE FACING A SITUATION SUCH AS A SHERIFF SALE OF YOUR HOME, AUTO REPOSSESSION, IRS GARNISHING YOUR PAY, OR THE SHERIFF SELLING YOUR BELONGINGS, WE HAVE THE ABILITY TO FILE FOR BANKRUPTCY PROTECTION THE SAME DAY. LEARN WHAT THE BANKS AND CREDITORS DON’T WANT YOU TO KNOW! CONTACT THE LAW OFFICES OF DAVID M. OFFEN TODAY TO SPEAK WITH AN EXPERT PHILADELPHIA BANKRUPTCY LAWYER To learn more about your bankruptcy options, you need the best Philadelphia Bankruptcy Attorney – so please don’t hesitate to contact us. We will review your financial situation and provide personal advice and guidance about your best legal options – both Bankruptcy and Non-Bankruptcy. Don’t feel your situation is hopeless. There are more options available than you may realize. Call our office today at 215-278-4519 for your Free Consultation

to get advice for

immediate help with your financial situation.

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Thanks for all you did in saving my home! It was a trying 5 years but no matter what you were there for me. If you need a lawyer David is

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You helped me out a lot. Not only did the process go smooth but time was shortened by almost a year. I’m looking forward to staying in touch and not having to meet...

Mark

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I must say that I am truly thankful for having you as my lawyer in my recent bankruptcy case. It has helped me mentally and I am more secure in making decisions...

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I appreciate how you helped me through my time of pain and need. You took time out for me and my family when no one would help me. I’m glad I found your name...

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It has been a privilege and a satisfying experience to have met Mr. David Offen. As my lawyer in regards to my bankruptcy, he has been professional and caring...

Terry

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Attorney David Offen is a “Specialist” of bankruptcy filings. He is very knowledgeable and professional. I thought that my situation was the “end of the world” for me, but he assured me over and over

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Pat

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We came to David in 2008. Almost lost house. Our marriage was in shambles due to stress of owing too much money. David understood how we felt and dealt...

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The first time I visited Mr. David Offen I was a little nervous, but Mr. David Offen made me so relaxed that everything was going to be taken care of and sure...

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I am so glad I met you. And my life is much better because you took good care of me. And I would recommend anyone to you. And now that I am finished don’t let...

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I came to Mr. David Offen’s office when my house was to be taken from me by the bank. I was very depressed at that time. But with Mr. Offen’s kind and encouraging...

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When I came into Mr. Offen’s office the first time I told him my problems and he put me right at ease. He took a big load off my mind. Mr. Offen went right to work...

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Thank you so much for all you have done. We went through a lot of heartaches, we appreciate everything you have done. Thanks again.

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hank you for helping us with our money problems and we are happy once

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I am writing this letter to thank you for doing such a great job for me and my family in reference to our home. I found your work to be very professional...

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I want to start by thanking you for the wonderful job that you have done. You have made things better for me, even though I thought they would only get worse...

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Thanks for all you did in saving my home! It was a trying 5 years but no matter what you were there for me. If you need a lawyer David is

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Mark

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