Imagine you are a young mother and the sole provider for your family. A few years ago, your husband died violently and suddenly. You are still regaining your emotional balance and also struggling greatly due to the loss of his wages from his full-time employment. You are barely able to meet basic monthly expenses on your wages and then you are unexpectedly laid off from your job. You find work after five months, but this sudden disruption in income has demanded difficult financial choices and has destroyed your meager finances. You now face having your utilities shut off. Imagine that you have no idea where to turn for legal advice on how to handle your utility bills and other debts. Now imagine that because you live in Philadelphia and have an income below the federal poverty guidelines, you are able to unravel this tightly woven financial knot.

This is a familiar story for many of the clients of the Consumer Bankruptcy Assistance Project (CBAP). CBAP is approaching its 25th anniversary of program operations next year. CBAP remains the only nonprofit in Philadelphia focusing exclusively on providing pro bono Chapter 7 bankruptcy and debt counseling to individuals desperately attempting to steady their financial situations. CBAP’s success is due largely to its remarkable panel of volunteer attorneys and law students.

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