Chapter 7 Bankruptcy Attorney in Buffalo
Understand Your Options for Debt Relief
If you file for bankruptcy under Chapter 7 of the United States
Bankruptcy Code, you can have all of your unsecured debts discharged.
Unsecured debts that can be discharged in a Chapter 7 bankruptcy include:
- Credit card debt
- Medical bills
- Collection agency accounts
- Personal loans from family / friends
- Past due utility bills
- Business debts
- Auto accident claims
- Certain civil court judgments
At Smith & Messina LLP, we know that financial difficulties
can occur in a number of different situations, and we offer our time and
attention to help you through your complex debt situation.
What happens in a Chapter 7 bankruptcy filing?
Chapter 7 is also called "straight" or "liquidation"
bankruptcy because you may need to liquidate some of your property in
order to pay back creditors. The whole process takes between four to six
months to complete and will likely require at least one trip to the courthouse.
Contact our bankruptcy lawyer in Buffalo for assistance at each step of your case.
Before filing for Chapter 7 bankruptcy, you will need to complete credit
counseling with an agency approved by the United States Trustee. You will
then need to take the means test to determine if you are eligible to file
under this chapter. If your income does not meet the requirements, you
can still file under
Chapter 13. Another restriction is if you have previously received a discharge within
the last six to eight years.
Protection from Creditors
When you file under Chapter 7, the automatic stay immediately goes into
effect. This will stop most creditors from trying to collect the money
you owe. Creditors will not be able to garnish your wages and most cease
their attempts to go after your house or other property. Call our firm
today to receive legal assistance at each step of your case at (716) 259-1030.