Category Archives: Bankruptcy

Bankruptcy.

Rochester New York Bankruptcy Filings Still Trending Down

Monroe County is only about 20 percent lower in population that Erie County, and yet the filings in the Rochester Court are consistently lower than those in Buffalo. Although I have been practicing in this district for 20 years, I … Continue reading

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Passing the Means Test Doesn’t Guarantee Chapter 7 Eligibility

We are frequently contacted by prospective clients who have done some online research about bankruptcy and have reached their own determination about whether they pass the “means test” and are therefore eligible for Chapter 7 relief. While we always welcome … Continue reading

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Do you have enough debt to file bankruptcy?

We are often asked by clients whether they have enough debt to “qualify” for bankruptcy. This is a tough question to answer because no two people have exactly the same situations. However, here are some general observations that should help … Continue reading

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When Debt Settlement Makes Sense

          I am often asked by clients if I can help them settle their debts with creditors. My answer is almost “yes” but it is rarely my recommendation that a client pursue debt settlement when there are bankruptcy options available. This … Continue reading

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Buffalo Chapter 7 lawyers see new filings drop again

     New chapter 7 filings were down once again in the month of June 2011. This continues an ongoing trend throughout the Country, but which appears to be accelerating in the Western New York region. Locally, chapter 7 filings were down … Continue reading

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Chapter 13 as a last resort to stop foreclosure

     Until 2009, if a client came into our office and was behind on his or her mortgage, the only real solution was Chapter 13.  The homeowner could resume making mortgage payments directly to the lender the month after the bankruptcy … Continue reading

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Buffalo Tax Foreclosure | How to Save Your Home

The City of Buffalo has started its annual in rem tax foreclosure action (in rem 45).  The foreclosure action represents the City’s effort to collect taxes, water charges, and user fees that are delinquent by two or more years. The … Continue reading

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We now offer foreclosure defense in Buffalo and Rochester

If you are facing a mortgage foreclosure action in Buffalo, Rochester or anywhere in Western New York, we can assist you in a number of ways: 1. We can file an answer to the foreclosure action. There is almost always … Continue reading

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Cool things our law firm is doing with the Federal exemptions

     The adoption of the federal exemptions in New York State is simply fantastic.  As bankruptcy lawyers, we knew that it was going to eliminate most small chapter 7 asset cases. However, now I am starting to see just how … Continue reading

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Chapter 13 Filings in Western New York Plummet: Here’s Why

     A few days ago, I posted an article discussing the future of bankruptcy filings in general around the Country. However, it appears that there is a more immediate force at work for Chapter 13 filings in New York State: … Continue reading

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