The attorneys of Miller, Kistler & Campbell bring a wealth of experience to virtually all debt related issues. We dedicate ourselves to effectively advising you on your rights and obligations under the law and determining how best to pursue your goals.

Our services include:

  • Debt Solution Consultations – Our attorneys will examine your financial situation, discuss your options and make recommendations to resolve your debt issues.
  • Halting Foreclosures – If your home is in jeopardy of being foreclosed, you need legal help. Our attorneys will explain what options are available and navigate you through the process of saving your home.
  • Ending Creditor Harassment – Creditors can be relentless in their attempts to collect.  However, creditor harassment is illegal and our attorneys will communicate on your behalf to protect your rights and privacy. 
  • Defending Credit Card Lawsuits – Credit card companies often inflict serious pressure on debtors and take legal action in order to collect. Our attorneys have extensive experience defending credit card lawsuits and will work diligently to get you the best possible result.
  • Chapter 7 – A bankruptcy trustee is appointed to sell a debtor’s non-exempt assets, if any, and distribute the proceeds to creditors. Our attorneys will guide you through the process of filing and ensure that you get the fresh start that you deserve. 
  • Chapter 13 – A repayment plan is approved by the court that enables debtors with regular income to repay all or part of their debt while not having to surrender assets. Our attorneys will work with you throughout the duration of the plan to get you back on the path to financial stability.

Contact Us for a Free Consultation

From offices in State College and Bellefonte, we serve individual and families throughout central Pennsylvania. Please contact us to learn more about bankruptcy and other debt solutions.

Contact Us



John W. Lhota concentrates his practice in the areas of general litigation, bankruptcy and debtors’ rights, criminal law, and…

Read more…

John W. Lhota

John W. Lhota concentrates his practice in the areas of general litigation, bankruptcy and debtors’ rights, criminal law, and municipal law.  A native of Clearfield, Pennsylvania, he is committed and passionate about representing the people of the Centre Region.

John graduated cum laude from Washington and Jefferson College where he majored in History and minored in Business.  He then attended the Duquesne University School of Law, graduating cum laude.  While in law school, John served as a judicial extern with the U.S. Bankruptcy Court for the Western District of Pennsylvania, from which he developed a comprehensive knowledge of the Federal Bankruptcy Code.  He received the Outstanding Oral Argument award in Duquesne’s nationally ranked Legal Research and Writing Program and also wrote for the Energy & Environmental Law Journal.

Read more…

Email John at