Author Archives: Peter

Common Questions About Household Income in Bankruptcy Cases

We are often asked questions about how a client’s bankruptcy filing will be impacted by the income of other people in the home. The answer really depends on the type of bankruptcy case and the particular living arrangement. Here are … Continue reading

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City of Buffalo Tax Foreclosure Scheduled for October

The City of Buffalo tax foreclosure auction is once again scheduled for this October. If you own property that is scheduled to be sold, it is still not too late to take action to stop the tax sale. Every year, our office … Continue reading

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Erie County Tax Foreclosure Scheduled for September

This year’s county tax foreclosure is scheduled for September. If you are behind in county taxes an are on the in rem list, do not ignore it. The County can and will sell your property at the auction. There are … Continue reading

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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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Will the national foreclosure settlement help Western New Yorkers?

     The details of the national foreclosure settlement are still not fully public, but from what we can tell, it is unlikely that Western New York will benefit nearly as much as other areas of the Country. The largest sums … 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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