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As the economy continues to slide downward, the number of people needing to file for bankruptcy has skyrocketed. In the Eastern Pennsylvania Bankruptcy Court, the court that serves the city of Philadelphia and the surrounding area, there were 15,559 bankruptcy cases filed in 2010, with Philadelphia representing over twice as many as the surrounding counties with 3,467 cases, most handled by a Philadelphia bankruptcy attorney. The remaining cases were spread out between the other eight counties. Only one third of the way through 2011 and there have already been 7,096 cases filed, 1,610 of them in Philadelphia this year. There has been a steady rise in the number of bankruptcy filings in this court since 2007 (after new bankruptcy laws made it much more difficult to declare bankruptcy), though the number for Philadelphia itself has not fluctuated as much. In 2007, the court processed 9,785 cases (3251 in Philadelphia); 2008 had 11,118 cases (3031 in Philadelphia); and 2009 had 13,097 total (3019 in Philadelphia).

A Philadelphia Bankruptcy Attorney would have their hands full with this many cases. According to citysearch.com, there are around 380 Philadelphia bankruptcy attorney listings. On average each one must be handling approximately 10 bankruptcies a year. More than 2/3 of those bankruptcies were chapter 7, totaling 10,236 of the cases for 2010. Chapter 13 accounted for approximately 3/4, with 4,740 cases in 2010. The remaining cases were either chapter 11 (164 cases) or other (19 cases).

If you live in the city, and you, or your business, have been hit hard by the combination of our cultural dependence on debt and the current low or no wages, mounting medical bills, or other life setbacks, it would be wise to consult a Philadelphia Bankruptcy attorney. They can help you understand the differences between chapter 7, chapter 11, and chapter 13 bankruptcies, and help you decide which one is right for your particular situation. They may also be able to help you look at your financial issues, and possibly help you devise a way to avoid bankruptcy, or at least help you look at steps you can take to ensure that it does not need to happen again. The current state of affairs in the economic platter of our country does not have to bring you too far down. Working carefully with both the debt counselors you are required to see and a Philadelphia bankruptcy attorney, you may be able to find yourself in a better and more stable position at the end of this journey.