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Credit Card Debt Consolidation Help  in Pennsylvania
Call Today: (877) 274-1260
If you successfully complete our program, it’s possible that you’ll enjoy these benefits:
Settle your debts for less than you owe
  (read here for full details about how much you can expect to save)
Resolve your unsecured debts in 18 to 60 months
  (read here for full details on how long our program lasts)
No Up Front Fees - Don't Pay Till You See Results!
Pennsylvania  Debt Relief
Debt settlement, also known as debt negotiation and debt reduction, is the process by which we negotiate and settle a debt for a reduced amount on behalf of a client. When successful, it is possible that Franklin Debt Relief can settle their debts for less than what is owed, all with the convenience of one low program payment. The savings from our debt settlement program can potentially be tremendous versus making your minimum payments, and it is in some cases the cheapest and fastest debt relief, debt consolidation or debt help option available to Pennsylvania consumers.

If you're overwhelmed with credit cards, medical bills, balances from a repossession, or accounts in collections, call for a free consultation: (877) 274-1260.
Pertinent Pennsylvania  Debt Relief and Debt Help Laws
(This is intended to be a helpful and informational debt resource for Pennsylvania consumers and does not constitute legal advice. For legal advice about your situation, contact a licensed professional in Pennsylvania.)

Debt Collection

Pennsylvania follows the set of federal laws dealing with collection agencies (and law firms that collect debts) that are collectively known as the Fair Debt Collection Practices Act (FDCPA). For more information on the FDCPA follow this link: debt collection.

- Original creditor or creditor collecting own debt must comply with all the provisions of the FDCPA, except those provisions dealing with required disclosures. (For example, the original creditor does not have to verify the debt's validity).

Maximum Interest Rate a Collection Agency Can Charge in Pennsylvania: 6%

Pennsylvania Wage Protection: 100% protection

Statute of Limitations

A statute of limitations is a law that sets forth the maximum period of time, after certain events, that legal proceedings based on those events may be initiated. For debt, the statutes of limitation apply to the maximum period of time after a consumer has become delinquent on their payments. The key point to remember is that you are considered delinquent not from the date of your last payment, but rather the day after you have gone past due. In other words, if you made your last payment on 3/3/03 and your next payment was due the same day of the next month, the statute of limitations on the debt would not start running until 4/4/04. The statutes of limitations vary from state to state and depend on the type of debt and where the original transaction took place (i.e. if you took the loan out in California but currently live in Pennsylvania, the applicable statutes of limitations would be California's.)

Oral Agreements: 4 years
Written Contracts: 4 years
Promissory Notes: 4 years
Open Accounts (credit cards): 6 years

Bankruptcy Courts

Robert N.C. Nix, Sr. Federal Courthouse
900 Market Street, Suite 400
Philadelphia, PA 19107

The Madison Building
400 Washington Street
Reading, PA 19601

U.S. Bankruptcy Court
5414 U.S. Steel Tower
600 Grant Street
Pittsburgh, PA 15219
U.S. Bankruptcy Court
U.S. Courthouse
Room B160
17 South Park Row
Erie, PA 16501

U.S. Bankruptcy Court
Penn Traffic Building
Johnstown, PA 15901

Bankruptcy Exemptions

Federal bankruptcy exemptions are available. Bankruptcy exemptions are protected assets that the bankruptcy code mandates that a debtor is entitled to keep in order to adequately get a "fresh start" after filing. Bankruptcy exemptions vary from state to state, and the following list is the property that is protected in the bankruptcy code of Pennsylvania. For more information, follow this link: bankruptcy exemptions.

Also, Pennsylvania is a tenancy by the entirety state. Click here to learn about what this means if you have debt that's in only one spouse's name.

Real Estate, Auto, Personal Property

-$300 of any property, including cash
-Bibles, schoolbooks
-Military uniforms and accoutrements
-Sewing machines


-Accident or disability benefits
-Fraternal benefit society benefits
-Group life policy or proceeds
-Insurance policy or annuity contract payments, where insured is the beneficiary, cash value or proceeds to $100 per month
-Life insurance and annuity proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
-Life insurance annuity policy cash value or proceeds if beneficiary is insured's dependent, child, or spouse

Public Benefits

-Crime victims' compensation
-Veterans' benefits
-Unemployment compensation
-Workers' compensation


-City employees
-County employees
-Municipal employees
-Police officers
-Private retirement benefits to extent tax-deferred, if clause prohibits proceeds from being used to pay beneficiary's creditors; exemption limited to deposits of $15,000 per year made at least 1 year before filing (limit does not apply to rollovers from other exempt funds or accounts)
-Public school employees
-State employees

Tools of Trade

-Seamstress's sewing machine


-Property of business partnership

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