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Chapter 7 Bankruptcy

Rochester Chapter 7 Bankruptcy Lawyer

New York Chapter 7 Bankruptcy

When you can't pay your bills, it's hard to think about anything else. There are several reasons why you might have fallen behind on your payments: loss of job, unexpected medical procedures and hospital stays, divorce, death, etc. Unfortunately, your creditors won't take into account these real-life situations, meaning they will still expect you to make your scheduled payments on time.

My name is Robert A. Schwartz, and I understand that debt can often grow to an overwhelming amount, making it impossible to pay back. This is why I want to help you identify how you can eliminate your bills and reset your life through Chapter 7 bankruptcy. Contact me today.

How Chapter 7 Bankruptcy Can Help You

As a Rochester Chapter 7 bankruptcy attorney who has served New York residents for more than 30 years, I want to share my knowledge of bankruptcy law with you so you can get on with your life, debt free.

Chapter 7 bankruptcy, or liquidation bankruptcy ultimately gives you a chance to eliminate all your dischargeable debt — debt that is not tied to a specific item of property — in a short amount of time.

As soon as you file bankruptcy, an injunction called an automatic stay immediately halts:

  • Home foreclosure proceedings
  • Wage garnishment
  • Attachments
  • Levies
  • Liens
  • Pending lawsuits
  • Creditor harassment

By stopping the above actions, the automatic stay can give you a chance to sell your home or free up funds to allow you to live.

However, not all individuals qualify for Chapter 7 bankruptcy. If you have co-debtors on personal loans, have a substantial amount of non-dischargeable debt such as income taxes, unpaid child support and student loans, or have a lot of equity in your home and car, Chapter 13 bankruptcy might be your best debt relief option.

I invite you to contact my law office to schedule a free initial bankruptcy consultation to discuss what type of bankruptcy would be most beneficial to you. During our consultation, we will work to identify your eligibility and discuss the benefits of both Chapter 7 and Chapter 13 bankruptcy.

Contact Robert A. Schwartz Today

Are you considering bankruptcy and would like learn more about Chapter 7? Call Rochester debt relief lawyer Robert A. Schwartz for a free initial bankruptcy consultation today at (585) 351-2929, or contact him online. The law office of Robert A. Schwartz is located in Rochester, New York. Business hours are 9 a.m. to 5 p.m. Monday through Friday.