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Is bankruptcy right for you?I am attorney Peter A. Lheron. From my office in Rochester, New York, I advise and represent individuals and families living in communities throughout Western New York, including Canandaigua, Brighton, Penfield, Pittsford, Perinton, Webster, Ontario, Macedon, Gananda, Irondequoit, Greece, Henrietta, Fairport, Chili, Spencerport, Avon, Livonia, Mount Morris, Victor, Brockport, and Gates, New York.
Rochesters Trusted Bankruptcy Legal Resource
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See If Youre Eligible
If you think you may qualify for free legal aid help, you should call your local legal aid organization rather than guess whether you qualify for free help or not.
Most legal aid organizations require you to beincome eligible. This means that they can only assist you if you make less than a certain amount of money.
Although it varies, most legal aids help people below 200% of the poverty line or below 125% of the poverty line.
- At 200%, that is about $24,280 for an individual or $50,200 for a family of four.
- At 125%, that is about $15,175/year for an individual and $31,375/year for a family of four.
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Free Bankruptcy Attorney In Rochester Ny
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So, youâve decided to get a fresh start byfiling for Chapter 7 bankruptcy.
This is a huge step toward a stronger financial future.
Chapter 7 bankruptcy is an importantdebt relief tool for Americans in severe financial distress from losing a job, getting injured, or getting divorced.
Hiring a good bankruptcy attorney like a member of theNACBAis a great investment. They will be available to answer your questions and help take care of the Chapter 7 paperwork for an average of $1500.
The problem is that many Rochesterresidents looking to file for bankruptcy but canât afford that rate.
If you need a fresh start in Rochester and cannot afford a lawyer, youâre not alone.
Weâll walk you through where to look and what âbrick and mortarâ legal aid resources are available in RochesterNY to help you get debt free. Youâll also learn about our digital legal aid nonprofit, Upsolve.org, that helps low income Americans who need a fresh start for free.
Whether or not you choose to file Chapter 7 using our free nonprofit Upsolve, this article will leave you much better prepared to obtain a better financial future.
Attend Your 341 Meeting
The 341 Meeting is the first and typically only Court appearance you will have to make in your Rochester bankruptcy case. Itâs an opportunity for the trustee and your creditors alike to ask you questions about your bankruptcy forms. Your trustee may ask you if you forgot to include anything in your bankruptcy forms and allow you the opportunity to do so. The trustee may also ask you about any debts you may have paid after you filed for bankruptcy or any sums of money you have acquired after you filed for bankruptcy. Itâs rare that creditors show up at these meetings but they are allowed to do so. You should dress business casual for these meetings and bring your driver’s license and original social security card for identification. This meeting should take no longer than 10 to 15 minutes depending on the amount of questions your trustee has for you.
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Handling Bankruptcy Cases In Monroe County
Are you trying to stop a foreclosure of your home? Do you need help with debt consolidation or your mounting mortgage debt? For a Livonia and Rochester Chapter 13 bankruptcy attorney who can help you, contact us at the Duke Law Firm, P.C. We represent clients in Livingston, Monroe, Wyoming, Steuben, Genesee, Ontario, and Orleans counties.
What Sort Of Issues Can I Seek Legal Help With
Specialized legal help is available for most legal issues. Each case is unique seeking legal help is a smart first step toward understanding your legal situation and seeking the best path toward resolution for your case. An experienced lawyer understands the local laws surrounding your case and what your best legal options might be. More importantly, there are certain situations and circumstances such as being charged with a crime where you should always seek experienced legal help.
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Rochester Ny Legal Help When You Need It Most
Its easy to feel panicked when youre faced with a criminal court case in Rochester, NY. If this is your first time searching for legal counsel, then nightmarish thoughts are probably flooding your mind. What if your jail sentence is nonnegotiable? Can a lawyer protect you from incarceration?Resist the urge to represent yourself and contact the law office of Brian C. Buettner. Youre not surrendering control youre increasing your likelihood of continued freedom and a future in Rochester, New York.
Want To Check Lawyer Discipline
It is always a good idea to research your bankruptcy lawyer prior to hiring. Every state has a disciplinary organization that monitors attorneys, their licenses, and consumer complaints. By researching lawyer discipline you can:
- Ensure the attorney is currently licensed to practice in your state
- Gain an understanding of his or her historical disciplinary record, if any.
- Determine the seriousness of complaints/issues which could range from late bar fees to more serious issues requiring disciplinary action.
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Take Bankruptcy Course 2
After filing bankruptcy in Rochester, and as a prerequisite to your discharge, you will need to take the financial management course. This one hour course will educate you on healthy financial practices that you may use after you receive your discharge. You can take approved courses in person, online, or by phone. The nearest in person course is Consumer Credit Counseling Service of Rochester, Inc. located at 1000 University Avenue, Suite 900 in Rochester.
For A High Level Of Personalized Legal Services Contact Peter A Lheron Attorney At Law Today
Our law office is small and personal with a dedicated and highly professional team. We believe it common courtesy to return all calls. So call us today to schedule your FREE consultation.
Peter A. Lheron is a graduate of Hofstra University with a Bachelor of Business Administration. Mr. Lheron is a veteran and former Naval Officer, including a tour of duty in Vietnam. Following military service, Mr. Lheron attended the Charter Class at Hofstra University School of Law, earning his Law Degree in June 1973.
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Bankruptcy Services In Rochester Ny
Filing for bankruptcy is often the best solution for those who are overwhelmed with debt and have exhausted all other options to pay off their bills. Bankruptcy can provide relief by wiping debts clean and helping indebted individuals regain control of their finances. The following is a list of bankruptcy services law firms in Rochester are experienced and ready to assist you in.
When You Have The Right Legal Counsel Its Actually The Beginning
The key is to have a smart, experienced, responsive bankruptcy lawyer on your sidea creative, well-connected lawyer who isnt afraid of tough issues and will help fix tougher circumstances, a lawyer who is well qualified to walk you through the difficult bankruptcy landscape to reach financial wellness.
Trevett Cristo provides legal counsel and representation for business owners and professional practices seeking protection from creditors through Chapter 11, Chapter 12, and Chapter 13. We work with business entities, professional practices, and family and incorporated farms, throughout Upstate New York.
Over 25 years experience. An average of 100 bankruptcies filed per year. Overwhelmingly favorable client experiences.
Discharging tax debt
If youre a business owner with state or federal tax problems and are considering filing for bankruptcy, you need experienced legal counsel. Bankruptcy laws regarding tax debt are complex, and certain back taxes and penalties may be discharged or reduced. We can help you navigate the complexities of both bankruptcy law and tax law, so you can get through this point of pain.
Bankruptcy defense litigation for creditors
We protect creditors, too. Creditors have legal rights protecting their financial interests when a business or farm debtor files a petition for bankruptcy relief. Trevett Cristo handles bankruptcy litigation matters for creditors, including objections to discharge and defense of avoidance claims.
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Things To Keep In Mind When Considering Legal Aid
Getting help from a legal aid organization is a great option if you need guidance but canât afford an attorney.
That said, there are some things that might impact your experience with legal aid.
Itâs important to keep in mind that, although they offer assistance for a variety of legal needs, many legal aid organizations donât do bankruptcy. And, if they do, there might be a waiting list to receive assistance.
Because legal aid organizations offer face-to-face contact with a lawyer, it takes longer for them to help each client. Because of this, itâs important to know what your timeline looks like and how long you are able to wait before getting relief.
Even if legal aid does offer bankruptcy assistance, as we mentioned above, you would still need to qualify for help based on the criteria mentioned above.
These limits in legal aidâs ability to provide service to people in need sometimes complicates things if you need straightforward bankruptcy help.
How Do You Find A Bankruptcy Attorney
Youll need to conduct a little bit of research to find the best bankruptcy lawyer for your situation. Start by pulling up a list of attorneys near you. Identify a few lawyers who have high ratings, mostly positive customer reviews and the required credentials in your state.
Once you have a list of three to five potential attorneys you can hire, figure out how much they charge. Ask for a free cost estimate and ask them to explain their fee schedule. Choose an attorney with a solid track record and reputation, fair pricing and the right credentials.
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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 Rochester located?
- What are the next steps?
What To Know Before You Hire A Bankruptcy Petition Preparer
Before you hire a bankruptcy petition preparer, familiarize yourself with what they can and cannot do and be sure you have good sources for the legal help you need. If you use a BPP and not a lawyer, you must understand that you are representing yourself in bankruptcy court. You will be responsible for making all of the legal choices in your case and you must provide the BPP with complete and accurate information so they can properly complete your forms.
Here is a breakdown of what bankruptcy petition preparers are not allowed to do and where to find more about each topic in the book How to File for Chapter 7 Bankruptcy.
|What BPPs Can’t Do|
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Common Legal Terms Explained
Personal jurisdiction Requirement that a particular court have authority over a person, in order to bind that person to the judgment of the court, based on minimum contacts. International Shoe Co v. Washington is a landmark Supreme Court case outlining the scope of a state courts reach in personal jurisdiction.
File For Bankruptcy With The Court
All Rochester bankruptcy lawyers prepare and file your required paperwork with the court. Filing for bankruptcy requires filling out several legal forms. In this process, your lawyer will also collect any and all financial related information to complete the bankruptcy petition, Statement of Financial Affairs and Schedules. Once complete, your lawyers will review the required paperwork with you to ensure accuracy.
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Benefits Of Chapter 13 Bankruptcy
Following the filing of a Chapter 13 bankruptcy petition, banks must halt their foreclosure proceedings. This means that you can keep and continue living in your home, while buying time to negotiate a reasonable mortgage payment schedule with your bank going forward. If you want to keep your house but cannot afford to pay your debt in full, Chapter 13 bankruptcy may be right for you.
What Is Chapter 13 Bankruptcy
Chapter 13 bankruptcy is a debt repayment plan for individuals and sole proprietors, and usually lasts between three and five years. During these years, you are under the courts jurisdiction and protected from collection actions. At the end of the payment period, any remaining debt is discharged. In order to qualify for Chapter 13, you must have sufficient income to keep current with your ongoing obligations while simultaneously making bankruptcy plan payments. If you do not meet this income requirement, to see if Chapter 7 bankruptcy might be a better fit for you.
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Mail Documents To Your Trustee
The trustee is an independent contractor for the federal government and one is assigned to each and every Chapter 7 bankruptcy in Rochester. They are responsible for reviewing your bankruptcy forms, retrieving any money you paid to creditors after you filed for bankruptcy, and selling any eligible property to pay your debts. Before the trustee can review your bankruptcy documents, you will need to send them your pay stubs, tax returns, and some recent bank statements. You must send all the required paperwork to the trustee at least 10 days before your 341 meeting. The trustee will review all your documents, and prepare any questions they may have for you at your 341 meeting. To find out how to contact your trustee, if you donât receive any correspondence directly from their office within 2 – 3 weeks of filing bankruptcy in Rochester, please visit the US Trustee website. Once in touch with your trustee, you may ask them how they prefer to receive your documents .
What Does A Bankruptcy Attorney Do
A bankruptcy attorney helps individuals and corporations navigate the legal and court process of going through bankruptcy. Theyll explain the process to you, help you fill out forms, advise you on which chapter you should file under and more.
You never pay to use Thumbtack: Get cost estimates, contact pros, and even book the joball for no cost.
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How To File Bankruptcy In Rochester New York For Free
The bulk of your time during the bankruptcy process will be dedicated to filling out the Rochester bankruptcy forms. Later on in the process you will complete your credit counseling course and attend your 341 meeting. Being organized and prepared throughout the bankruptcy process is the best way to ensure a smooth and successful Chapter 7 bankruptcy in Rochester. Later on in the guide, you will learn what documents you already have at home and what forms you can find online that will help you move this process along.
Best Bankruptcy Lawyers In Rochester Ny
Expert recommended Top 3 Bankruptcy Lawyers in Rochester, NY. All of our bankruptcy lawyers actually face a rigorous 50-Point Inspection, which includes customer reviews, history, complaints, ratings, satisfaction, trust, cost and general excellence. You deserve only the best!
KENNETH GALLANT – LAW OFFICES OF KENNETH GALLANT
2450 W Ridge Road, #102, Rochester, NY 14626DIRECTIONS
Heres The Deal:Kenneth Gallant has 40 years of experience in personalized debt solutions. He helps people file for bankruptcy relief under the Bankruptcy Code. Kenneth provides comprehensive debt solutions to his clients and guides them from their initial consultation through their case completion. He is committed to finding the most effective solution for each case. Law Offices Of Kenneth Gallant guides families or individuals who require debt relief and want a new financial future. Their lawyers will thoroughly explain how bankruptcy laws impact your situation and support you through the whole bankruptcy process. They provide each client with undivided attention and personalized legal solutions that address their debt concerns. Call Kenneth Gallant firm to schedule a free initial consultation and case evaluation today.
RONALD S. GOLDMAN – LAW OFFICE OF RONALD S.GOLDMAN
45 Exchange boulevard, #532, Rochester, NY 14614DIRECTIONS
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How Do You File Bankruptcy Without An Attorney
Its possible to file bankruptcy without a lawyers help but consider the pros and cons before you do. The Administrative Office of the U.S. Courts strongly recommends you get advice from an attorney because of the long-term financial and legal outcomes.
You can find bankruptcy attorneys near you on Thumbtack. Start searching and comparing potential lawyers to hire.
Who Qualifies For Upsolve’s Free App
If you meet their criteria, UpSolve offers a service where you can upload your information and pay stubs and get back filled in schedules for you to submit to the court.
UpSolve can be.a handy tool for debtors who:
- situation requires no “adversary proceedings” or “lien avoidance“
- Have filed their tax return for the current tax year
- have pay stubs to submit
It’s still up to you to complete credit counseling, but they have some built in offers for that too.
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