Personal Bankruptcy -- Chapter 7
Chapter 7 Can Be a Fresh Start with the Help of Experienced Bankruptcy Lawyers
A Chapter 7 bankruptcy filing provides a form of debt relief by which you may eliminate most forms of unsecured debt such as credit cards, medical bills, and personal loans. In most cases, you can keep your home, car, and other personal belongings.
If you are being harassed by creditors who are bothering you at work and harassing your family, friends, and neighbors, you can stop them immediately simply by hiring us to represent you. Upon retaining our services, you can refer your creditors to us, and stop harassing creditor phone calls.
In a Chapter 7 bankruptcy we can eliminate any balance due after a vehicle financing company has repossessed your car and auctioned it. This can remove the risk of a lawsuit or garnishments the finance company might seek to recover, including the difference between the balance owed and the auction price.
If you have cosigned a debt for a friend or relative, and their failure to pay the debt has resulted in legal action against you, we can eliminate your liability as a cosigner through a Chapter 7 bankruptcy.
Filing for Bankruptcy Can Be a Way to Stop Garnishments and End Lawsuits, with the Help of Skilled Chapter 7 Bankruptcy Attorneys
A Chapter 7 bankruptcy filing is one of the most effective ways to immediately stop garnishments. Garnishments can diminish your hard-earned income--making it almost impossible for you to afford life's basic necessities. By filing a Chapter 7and stopping the garnishment, you will be able to use your income for more important necessities and start saving for your family's future.
For some clients, we may be able to eliminate your car payment, by petitioning the court to allow you to satisfy your vehicle loan for its fair market value-which may be a fraction of the balance due.
Filing for Chapter 7 bankruptcy is one way for you to begin reestablishing your credit by reducing your debt to income ratio. With little or no remaining debt, lenders may feel that you will be better able to repay your debts in the future. Many people who file chapter 7 buy homes within one year, or finance cars after discharge. Many discharged debtors receive solicitations for unsecured credit within a few months. Please read more about What to Expect in a Chapter 7 Bankruptcy Filing.
Contact us now. We offer a FREE BANKRUPTCY CONSULTATION.
845-236-5282
Genova & Malin, Attorneys at Law
New York Chapter 7 Bankruptcy Attorneys
Personal Bankruptcy Lawyers
With Offices in Wappingers Falls, New York, Serving
Putnam, Orange, Ulster, Dutchess, and Westchester Counties,
And Communities from White Plains to Albany
