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A service for political professionals · Saturday, September 22, 2018 · 462,682,760 Articles · 3+ Million Readers

Can I Go to Jail For Not Paying My Bills?

Philadelphia Consumer Bankruptcy Attorneys

Understanding bankruptcy is important if you have outstanding bills that you can't pay.Filing for bankruptcy, may help avoid jail using the bankruptcy system.

Helping each new client work through and solve this financial nightmare is as important to me now; as it was before my helping tens-of-thousands of clients”
— Michael A. Cibik, Partner

PHILADELPHIA, PA, UNITED STATES OF AMERICA, March 1, 2018 /EINPresswire.com/ -- +


Let's start with the basics. Debtor's Prison is jail time for failing to pay a bill. There is a famous line in the Charles Dickens' story, A Christmas Carol, as he is asked for a donation to the poor he retorts "Are there no prisons? Are there no workhouses?"


If you did not pay your bills, you could be sentenced to prison or to a factory to work off your debt. Even Dickens' family ended up there for a while. The United States and most individual states outlawed the practice in the early 1800s.


How can I go to jail for not paying my bills? Easy, ignore a court order. When a creditor sues you, the court will order that you pay the bill most times in weekly installments. The Judges recognize that you probably don't have the money to pay it all at once.


But beware, most judgments do carry interest at various rates set by rule or statute. If you don't pay the installments, the court won't order you to jail, but it will give the creditor some power to pursue your assets. This can come in various forms such as a lien on your home, a pay garnishment, an attachment of your bank account or some other seizure of your property. If you have nothing to seize, no worries; still no jail time.


The final step in frustration for the creditor who has a judgment is to subpoena you to an examination to see what they can recover from you. This is where you get into trouble. Ignore that subpoena, and now you are in contempt of court. You are ignoring a judge's order to appear, and that IS punishable by jail time, and sometimes a hefty bail bond.and/or fine


Now if you file for bankruptcy first, the Federal Bankruptcy system preempts the state court system and you've avoided going to jail. You can think of bankruptcy as a 'Get Out of Jail free' card.

For 35 years, Cibik & Cataldo P.C. has been providing superior, cost-efficient debt-relief services to clients throughout the state of Pennsylvania. Michael A. Cibik, Esquire is a partner of the firm and one of the few attorneys in the Philadelphia area certified by the American Bankruptcy


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+++++ Disclaimer +++++ This press post/release is considered advertising and does not constitute any client-attorney privilege and does not offer any advice or opinion on any legal matter. This release was drafted by Results Driven Marketing, LLC: a full-service digital marketing, public relations, advertising and content marketing firm located in Philadelphia, PA

Michael A. Cibik, Partner
Cibik & Cataldo .P.C.
(215) 883-8585
email us here

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