Rochester Bankruptcy and Debt Relief

Recent Posts from Rochester Bankruptcy and Debt Relief

• Small Business and Chapter 7 Bankruptcy

  In the last few months, I have received a number of calls from owners of small businesses who want to file Chapter 7 bankruptcy, primarily due to credit card debt, but want to continue to…

• Why a Free Consultation Is Important in Chapter 7 or Chapter 13 Bankruptcy

  When a potential client calls my office to ask bankruptcy-related questions, I usually suggest that he or she come in for a free initial consultation.  I also ask that when we meet, you bring  your…

• Can You File Chapter 7 Bankruptcy If Your Income Exceeds Median Family Income?

  In these uncertain economic times, I am getting this question more and more from people considering filing for bankruptcy all over Western New York.   So can someone in Rochester making more than $75,000 file…

• Chapter 7 Bankruptcy and Unpaid Tax Liabilities

  One issue that periodically comes up in  Chapter 7 bankruptcy cases is unsatisfied tax liability.  As of late, the IRS and New York State Department of Taxation and Finance, have been aggressive in enforcing their…

• Can Trustee Search Your Residence in Chapter 7 or Chapter 13 Bankruptcy?

  A question that I commonly hear from debtors in Chapter 7 and Chapter 13 bankruptcies in Rochester or surrounding  counties, is whether when they file for bankruptcy, someone will come to their house or apartment,…

• “Pond” Motion and Avoiding Second Mortgage Lien in Chapter 13 Bankruptcy

  In Chapter 13 bankruptcies, it is not uncommon to see situations where the debtor, who owns a home, has both a first and a second mortgage, or even a third mortgage on that home.  In…

• Social Security Retirement, Social Security Disability and Chapter 7 and Chapter 13 Bankruptcy

  If you are in debt, does it always make sense to file either Chapter 7 or Chapter 13 bankruptcy?  If your only source of  income is Social Security or Social Security Disability, you can file…

• Chapter 7 and 13 Bankruptcy and Inheritances

  When a debtor files for bankruptcy under Chapter 7 or Chapter 13, all of the debtor’s assets pass under control of the bankruptcy trustee.   The reason for this transfer of control is so the…

• Bankruptcy and Utility Bills

  In many bankruptcy cases, the debtors are not just behind on their mortgages, credit cards and other debt, but also behind on their utilities, including gas and electric, cable and telephone bills.  If the debtor…

• Refiling Chapter 13 Bankruptcy After Dismissal

  As I have previously written, Chapter 13 bankruptcies involve many different issues.  Once thing that bankruptcy lawyers point out to all debtors entering Chapter 13 bankruptcy is that the debtor has to make payments to…