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Bankruptcy Attorney New York

How To Prepare For Your Initial Consultation

Rochester, NY | Robert A. Schwartz | Bankruptcy Attorneys

Prepare for your consultation by writing down notes of your understanding of the case, jot down questions and concerns for the attorney, and gather your documents. Remember that you are trying to get a sense of whether the attorney has your trust and can help you address your legal issues. Questions should include how the attorney intends to resolve your issue, how many years he/she has been practicing law and specifically practicing in your area, as well as how many cases similar to yours the attorney has handled. It can also be helpful to broach the subject of fees so that you understand the likely cost and structure of your representation by a specific attorney and/or legal team.

How I Can Help You

I help clients file both Chapter 7 and Chapter 13 bankruptcy cases, I can also help people protect their homes from foreclosure, take advantage of all possible bankruptcy exemptions, stop wage garnishments and rebuild your financial standing after bankruptcy proceedings. Each bankruptcy case is different, and the best options for you will depend on a number of factors, including the amount and type of debt owed, the amount of his assets and income and whether you have filed for bankruptcy recently.

How Much Does It Cost To Hire An Attorney

In general, how much an attorney costs will often depend on these four factors: billing method and pricing structure, type of legal work performed, law firm prestige, and attorney experience. Depending on the legal issue you are facing, an attorney may bill you by the hour, settle on a flat fee, or enter into a contingency fee agreement. The type of legal work you need help with will also play a role in cost incurred.

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What Is Bankruptcy Fraud

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How Is Bankruptcy A Form Of Debt Relief

Shenwick &  Associates

When it comes to finding relief from overwhelming debt, the Law Office of Simon Goldenberg, PLLC is dedicated to helping clients find the best way to find relief. Bankruptcy is one means of debt relief that few people want to think about however, in some situations it could be the most efficient means of obtaining a fresh financial start. The U.S. Bankruptcy Code offers consumers two ways to finddebt relief through bankruptcy: liquidation bankruptcy and reorganization bankruptcy.

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How Much Will It Cost Me To File Bankruptcy

Your initial interview with Syracuse bankruptcy lawyers in our office will be done as a courtesy there will be no charge for coming in and discussing with us whether filing Bankruptcy would be a good option for you to take.

The fee that our office would charge you as payment for our services in helping you file either a Chapter 7 case or a Chapter 13 case will depend on the complexity of your situation. But unless your case is unusually complicated, our fee would be a flat rate, one lump-sum amount covering all of our work.

In addition to the fee of our office, the Bankruptcy Court will require the payment of a filing fee. The filing fee for a Chapter 7 case is $306.00. The filing fee for a Chapter 13 case is $281.00. Depending on what actions are required after your case is filed it is possible that additional fees would be required, but usually not more than $50.00 in total.

For a case under either Chapter 7 or Chapter 13, you would have to deliver to us the amount of the filing fee before your case is filed.

For a case under Chapter 7 you would have to pay us the entire amount of the fee of our office before we filed the case. For a Chapter 13 case, we would ask you to pay as much of our fee as you could before the case is filed, but a substantial portion of our fee could be paid from the money that the trustee will distribute to your creditors.

Take The First Step To Overcoming Business Debt

We know the courts. We know all the viable options, and we put our clients interests first. Based in New York City, our corporate bankruptcy attorneys welcome your inquiry or referral. Please contact us by telephone or online.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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What Bankruptcy Can Do For You

  • Automatic Stay Stopping Creditors Dead in Their TracksAs soon as you file your Bankruptcy case, a court order is created that prevents almost any creditor from attempting to collect or enforce any debt that you owe. This means that wage garnishments must stop immediately, phone calls from collection agencies must stop immediately, letters and bills from creditors must stop immediately, utility shut-offs must stop immediately, foreclosures must stop immediately, sheriff executions must stop immediately. Suddenly, you have peace and quiet, and a breathing spell to reconfigure your finances.
  • Retention of Property Keeping What is YoursThe Bankruptcy law offers the individual debtor a very generous array of exemptions. Property that is exempt is not taken from you or given to your creditors. For many people, the amount of the exemptions available to them is greater than the value of all their property in those cases, Bankruptcy will not result in the loss of any property.Bankruptcy cannot take away the mortgage on your house or the lien on your car .However, if you want to keep your house or your car, even if you have fallen behind on your payments, the Bankruptcy law provides ways for you to do just that. In fact, where cars are concerned, the Bankruptcy law provides ways for you to keep your vehicle but pay less than you actually owe for it!
  • New York City Corporate Bankruptcy Attorneys

    100K New York Businesses Will ‘Disappear’: Bankruptcy Lawyer

    Our collective experience and knowledge cover a broad spectrum of concerns for business debtors, creditors and trustees. We tailor our services to the unique aspects of each business situation, with full recognition that Chapter 11 bankruptcy is just one potential solution. Our counsel often leads to difference-making decisions and outcomes that exceed our clients expectations.

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    Why Clients Trust The Law Offices Of William Waldner Bankruptcy Lawyer New York

    William Waldner is one of New Yorks most trusted bankruptcy lawyers, with a career dedicated to helping individuals recover from debilitating debt and a reputation built upon quality legal representation at surprisingly affordable rates. Featured in U.S. News, The Street, CNN iReport, and CBS New York, Mr. Waldners expertise distinguishes him as an authority on personal finance and bankruptcy. To ensure his clients receive the highest quality of legal representation, Mr. Waldner NYC bankruptcy lawyer does not delegate his services to paralegals or legal clerks, but actively works each and every case his firm represents. With over 10 years of bankruptcy attorney experience in New York, he has helped hundreds of clients find relief from debilitating debt, wage garnishment and collection efforts, while protecting their personal property and helping them restore their credit score. If you are struggling with debt, William Waldner may be able to help. Take the first step on securing a bright financial future that is debt free and full of opportunity by calling now to schedule a free, no-obligation consultation.

    Bankruptcy Attorneys In Rockland County Serving All Of New York

    Facing a serious financial situation can be stressful. Knowing where to turn when times are tough can make all the difference. If you are considering filing for bankruptcy, our firm is ready to provide compassionate, knowledgeable, and quality legal services to help you through the process. While not every financial situation calls for bankruptcy, it is important to discuss this legal matter with a professional. For decades, the Rockland County bankruptcy attorneys here at The Lauterbach Law Firm have been a legal resource to clients facing bankruptcy in Rockland County, Westchester County, and throughout the Lower Hudson Valley. To discuss your legal matter with The Lauterbach Law Firm, simply contact us today.

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    Do I Need A Personal Bankruptcy Attorney

    As bankruptcy lawyers and attorneys, we have often stood in court, looking around us and seeing homeowners losing their homes or their other property because of poor, or no, legal representation. We have felt for them. Homeowners are real people who deserve real solutions for their problems.

    While banks and financial institutions have big legal teams fighting for their interests, homeowners and financially stressed individuals often try to solve their problems on their own. However, they dont know the bankruptcy filing system, their options, and the consequences of each decision.

    Thats why people need a bankruptcy lawyer who will explain all their available choices. For example, most of our clients are surprised to learn that foreclosure is a measure of last resort and is definitely not the only solution available.

    We will discuss our clients financial situation and sources of income and come up with a detailed plan to save their homes or decrease their personal or credit card and medical debt.

    With a bankruptcy law firm like Roemerman Law by your side, you know your interests are well protected. You can stand up to your lender and find a financial result that protects you and your family.

    What Can A New York Bankruptcy Lawyer Do For Me

    Harvey R. Miller, Renowned Bankruptcy Lawyer, Dies at 82
    • Explaining and guiding you through the bankruptcy process,
    • Analyzing your financial situation,
    • Evaluating your assets and obligations,
    • Advising you regarding which exemptions to claim,
    • Preparing and reviewing your bankruptcy petition,
    • Attending meetings with your creditors ,
    • Following up with your creditors to stop any post-filing collection efforts,
    • Representing you in any litigation that may arise out of the bankruptcy, and
    • Attending hearings on your behalf.

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    Why Use Our Office Effective Intelligent Compassionate And Affordable Debt Relief Solutions

    We uniquely approach debt and financial hardship from the perspective of our clients who are usually looking for a solid and thoughtful overview of all their legal options. We provide a customized layout of the main possibilities to improve and resolve situations of financial hardship and give detailed recommendations as how to proceed. The alternatives that we present are effective and affordable debt relief options that are tailored for each clients particular situation. We patiently listen to our clients and based on many years of experience, we can confidently, intelligently and creatively represent our clients by aggressively, passionately and energetically fighting their legal and financial battles. .

    What Bankruptcy Can Not Do For You

    Filing Bankruptcy can change a persons life in many positive respects. However, there are some problems that not even Bankruptcy can fix. Here are the most important examples:

  • Nondischargeable Debts
  • There are some types of debts that cannot be discharged in a Bankruptcy case. Here are some major examples of debts that cannot be discharged:
  • theft and fraud, and
  • However, it is possible to use Bankruptcy, particularly Chapter 13 , to control aggressive behavior by creditors holding nondischargeable claims, so that you can recover some stability and peace in your life.

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    How Do Lawyers Get Paid If They Lose A Case

    Lawyers typically charge for their time regardless of whether they win a case. Sometimes, the losing party is ordered to pay the other partys lawyer fees on top of their own. Some lawyers also work on contingency, meaning they will take a percentage of the awarded amount only if they successfully win the case.

    Before hiring a lawyer, make sure you understand their fee structure.

    Our Personable Customized And Creative Approach To Debt Solutions

    Law Office of William Waldner – Bankruptcy Attorney in White Plains, NY

    The Law Office of Ronald D. Weiss, P.C. analyzes each clients case individually, based on the cases specific facts and the needs of the client. Our goal is to give our clients highly effective representation that is at the same time compassionate and affordable. Often we look at using the above referenced debt solution tools bankruptcy, litigation and/or negotiation as potential alternatives or as part of a larger approach, where they are used to reinforce and build on each other. In each clients situation we look at and consider all options, in terms of feasibility, risks vs. benefits, timing, costs and methodology. We develop with our clients a plan to best maximize the chances of successfully resolving burdensome debt and strategize to effectively overcome our clients economic challenges. .

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    Is There A Payment Plan

    Yes, you can hire us with a deposit as low as $50 to begin your case. You can pay us on your own schedule whenever you can afford to make a payment. Generally, we would like to pay within six months, but we often give clients up to one year to pay. After you leave a deposit, you refer all your creditor harassment to us so we can inform your creditors that you intend to file bankruptcy. We finish your case when you finish payment.

    Stop Foreclosure Repossession And Creditor Harassment

    Once the attorneys at Mishiyeva Law file your bankruptcy petition, all creditor collection actions stop. Your creditors can no longer call you, send you collection notices, enforce judgments, garnish your wages, or take any other collection efforts against you or your assets. If you are facing foreclosure, we can save your home. Creditor harassment ends upon your decision to make a change and take control of your life.

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    What’s The Difference Between Debt Settlement And Bankruptcy

    Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that’s lower than what someone owes and call the debt âpaid in full.â Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don’t currently have the means to pay their debts as owed. Typically, someone can’t enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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    How Bad Is It To File Bankruptcy Twice

    Press Coverage featuring William Waldner

    Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn’t recommended. Filing multiple times puts a serious burden on one’s credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

    Note that filing for bankruptcy isn’t something that can be done at a filer’s leisure. There are time limits following bankruptcy cases that dictate when it’s permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

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    How Long Is Bankruptcy On Public Record

    How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn’t necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

    Why File For Bankruptcy

    People wind up filing for bankruptcy for many reasons, often involving outside forces or unforeseen expenses: Medical debt and unexpected health care costs can quickly spiral out of control, credit card debt can accrue due to business expenses or needing to use a credit card during periods of unemployment and low cash flow, investments in the stock market, real estate or other financial vehicles might suffer due to a financial crisis, or a supply chain shutdown can cause debt to cascade in times of pandemic or due to oil price fluctuations. In any of these situations, a bankruptcy attorney can help you find the best course of action.

    What Questions Should I Ask A Bankruptcy Lawyer?

    • Not sure what to ask a bankruptcy lawyer? Here are a few sample questions to get you started:

    • How long have you been in practice?
    • How many bankruptcy cases have you handled?
    • How much does a bankruptcy filing cost? How much of that cost is attorney fees vs. filing fees?
    • Where is your office in Chautauqua County located?
    • What are the next steps?

    Want To Check Lawyer Discipline?

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    About Waltzer Law Group

    Waltzer Law Group attorneys are experts in Chapter 7 bankruptcy and Chapter 13 bankruptcy. Our bankruptcy lawyers are often able to stop foreclosure on a house within hours of being hired. We are experts in the new bankruptcy law that was imposed by the Bankruptcy Reform Act of 2005. Unlike many other bankruptcy law firms, Waltzer Law Group attorneys are also experts in debt negotiation, debt consolidation, and consumer advocacy. We dont just push bankruptcy on our clients. We will always recommend the solution that is best for you. We understand that these are hard times. We will make them easier for you.

    We speak English, Spanish, Tagalog, Portuguese, French, Russian, Italian. We offer affordable payment plans, special discounts for veterans, qualified single parents and qualified disability recipients. We have convenient locations throughout the New York Metropolitan Area including Manhattan, Brooklyn, Bronx, Queens, Rockland County, White Plains, Suffern, Elizabeth NJ and Paterson NJ. We also have affiliates in 10 states including PA, CA, and CT. Waltzer Law Group is by the Law Offices of David S Waltzer PC, a New York based Professional Corporation.

    Are you unable to leave your home? Though we prefer to meet all of our clients, we can do everything via internet and telephone.

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