Providing Chapter 7 Bankruptcy Assistance To Clients In The Southern Tier Of New York State

Many people are hesitant to talk with an attorney about filing bankruptcy. They fear that they might be judged for their challenging financial circumstances. However, the right to file bankruptcy is enshrined in the United States Constitution. There is no shame in taking positive action to resolve financial problems. Whether those problems were the result of job loss, a catastrophic medical condition, or divorce, relief and a fresh start are available through bankruptcy law.

Individuals filing bankruptcy have significant financial challenges and do not need to worry about attorney's fees. I have developed payment plans for bankruptcy clients that take into account their financial circumstances.

An Experienced Bankruptcy Lawyer Answers Your Questions

At my upstate New York law firm, I help individuals with Chapter 7 bankruptcy filings. I guide them through the process and answer their questions so they are able to make sound decisions about their financial future. As an attorney with nearly 35 years of legal experience, I have seen firsthand the importance of having persons fully informed about their legal matters, and I work hard to accomplish this for my clients.

When a client is considering Chapter 7 bankruptcy, common questions are:

  • Do I qualify for Chapter 7? Chapter 7, also known as liquidation bankruptcy, is available to individuals who meet the requirements of the law as shown by a means test.
  • Can I keep my house and car in Chapter 7? New York law provides generous exemptions for homestead property and autos, allowing most people to keep their homes and cars.
  • How can I keep creditors from harassing me? Once you file bankruptcy, an automatic stay goes into effect, prohibiting creditors from contacting you. While your bankruptcy is being prepared for filing, I make every effort to have your creditors contact me rather than you. Our goal is to reduce your stress at every step.
  • Can I discharge all my debts with Chapter 7? Certain debts, such as some tax debts and student loans, cannot be discharged in bankruptcy.

I discuss these and many other issues with bankruptcy clients. I have observed that learning about their options gives many clients peace of mind and hope for the future.

Reach Out And Learn How I Can Help Relieve Your Financial Burden

To speak with a Binghamton Chapter 7 bankruptcy attorney, contact me, Lauren S. Cohen, at 607-821-0100, toll free at 866-539-2596 or by sending an email via an online contact form. From my office in Johnson City, I work with clients throughout the Binghamton area.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.