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Your Philadelphia Debt Solution Which is worse, bankruptcy or debt?? If you live near Philadelphia, the answer might not be what you think. My legal career has been dedicated to helping people who are struggling to meet their financial obligations. I know you have alternatives. Federal and Pennsylvania state laws are in place to give you relief when you need it and protect your rights. With honest, professional advice, you can identify all your options and choose the best solution. I know what you are experiencing. I have helped erase debt through Chapter 7, and effectively restructured debts through Chapter 13 bankruptcy. I also negotiate with lenders and collection agencies on your behalf and counsel on student loan debt. The path to success starts with a phone call. Call me for a free consultation.