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Should I File Bankruptcy?

Accept that it may be the best choice – This page explains the reasons that people file Chapter 7 and Chapter 13 bankruptcy and identifies how debt problems are common in our society today.

Why debt settlement and credit counseling rarely work – This page explains why heavily advertised debt consolidation, credit counseling, and debt settlement programs almost never live up to their promises and why most people are much better off filing Chapter 7 or Chapter 13 bankruptcy.

Why choose our firm?

More than 10,000 clients already have – This page explains how our bankruptcy lawyers have helped more than 10,000 clients in Buffalo, Rochester, and Western New York obtain Chapter 7 and Chapter 13 relief.

We promote asset protection strategies – This page provides some examples of asset protection strategies utilized by our bankruptcy attorneys in assisting Chapter 7 clients.

We handle difficult high-income cases – This page reviews the implications of the means test in determining a client’s eligibility for Chapter 7 bankruptcy relief. The means testing was added to the bankruptcy laws in 2005.

We are efficient so we can charge less – This page identifies the basic fees and costs associated with Chapter 7 and Chapter 13 bankruptcy cases.

Our cross-district practice sets us apart – This page explains that our bankruptcy lawyers practice in both the Buffalo and Rochester divisions, which provides us with a unique advantage in mastering the bankruptcy process.

Each case gets Peter’s personal attention – This page identifies the involvement of Peter Grubea in every Chapter 7 and Chapter 13 bankruptcy case from the first time a client calls until the bankruptcy case is concluded. 

Types of bankruptcy

Chapter 7 bankruptcy basics – This page explains the Chapter 7 bankruptcy process in Rochester, Buffalo, and Western New York. It covers the basics from the date the case is filed until the date of the Chapter 7 discharge.

Chapter 13 bankruptcy basics – This page explains the reasons that people commonly file Chapter 13 bankruptcy. It also explains the basic procedure after the filing of a Chapter 13 case in Buffalo, Rochester, and Western New York.

Chapter 11 and business bankruptcies – This page addresses the process of filing a business bankruptcy case if you own a sole proprietorship, corporation, or limited liability company. It also discusses the difference between a basic business bankruptcy and a Chapter 11 bankruptcy. 

You will keep your home and other assets

New York State exemptions – This page provides information regarding the New York State bankruptcy exemptions, including exemptions to protect your home, vehicle, personal property, and other assets.

Federal exemptions – This page addresses the Federal bankruptcy exemptions that were recently added as an option to individuals filing either a Chapter 13 or Chapter 7 bankruptcy case in New York State. 

Mortgage foreclosure solutions

Loan modifications in general – This page describes the process of applying for and obtaining approval for a mortgage loan modification. It explains the reasons why it is sometimes best to file a bankruptcy case before applying for a loan modification from your lender.

How bankruptcy can help – This page explains how Chapter 13 bankruptcy can help a homeowner that is facing mortgage foreclosure, real estate tax foreclosure, or is simply delinquent in their payments.

Contact us in confidence and for free

Complete our 5 minute questionnaire – We offer all clients a free online bankruptcy evaluation. If you submit the bankruptcy questionnaire, we will review it and give you a preliminary evaluation of your financial situation and possible bankruptcy options.

Complete our 30 second contact form – If you have a general question regarding any bankruptcy issue, please feel free to contact us by email. We always try to respond to bankruptcy inquiries within 24 hours, and you will automatically receive a copy of our free 125-page e-book, “The Complete Guide to Filing Bankruptcy in Western New York.” 

About Peter Grubea

Professional background – This page provides information about Bankruptcy Attorney Peter Grubea, including the growth of his bankruptcy practice from a single office to 15 offices covering the entire Buffalo, Rochester, Western New York region.

Published Court decisions – This page provides summaries of some of the reported decisions from the Bankruptcy Court on important issues governing bankruptcy exemptions, means testing, and the powers of the Chapter 7 or Chapter 13 Trustee.

Articles by Peter Grubea – This page contains articles written by Peter Grubea about important, local bankruptcy issues, including the newest bank account exemptions and Federal bankruptcy exemptions. 

Our Office Locations

Buffalo Niagara region – This page lists the addresses and contact phone numbers for our office locations in Buffalo, Niagara Falls, Amherst, Hamburg, Lockport and Batavia serving the counties of Erie, Niagara, Genesee, Wyoming and Orleans

Rochester region -This page lists the addresses and contact phone numbers for our office locations in Rochester, Brighton, Pittsford and Greece serving Monroe County.

Finger Lakes region – This page lists the addresses and contact phone numbers for our office locations in Dansville and Geneva serving the counties of Ontario, Livingston, Wayne, Seneca, and Yates

Chautauqua Allegany region – This page lists the addresses and contact phone numbers for our office locations in Jamestown, Olean and Dunkirk serving the counties of Chautauqua Allegany and Cattaraugus

Corning Elmira region – This page lists the addresses and contact phone numbers for our office locations in Elmira and Dansville serving the counties of Chemung, Schuyler and Steuben

Other Useful Information

Local Bankruptcy Statistics – This page provides information regarding Chapter 7 and Chapter 13 bankruptcy filing in Buffalo, Rochester, and Western New York.

Pre-Bankruptcy Credit Counseling – This page provides contact information for approved providers of the required pre-bankruptcy credit counseling course. Any client considering a Chapter 7 or Chapter 13 bankruptcy must fulfill this requirement.

Debtor Education Course – This page provides contact information for approved providers of the required bankruptcy Financial Management Education course. In order to obtain a bankruptcy discharge in either a Chapter 7 or a Chapter 13 bankruptcy case, this course is required.

Frequently Asked Questions - This page answers a number of the most common questions asked by prospective bankruptcy clients, including assets that are protected in either a Chapter 7 or Chapter 13 filing, the types of debt collection activity that can be stopped by a bankruptcy filing (including wage garnishments and bank account freezes), and whether a bankruptcy filing may be a suitable debt relief option.

Bankruptcy Blog – This page contains a link to our new bankruptcy blog that provides up-to-date information regarding the Chapter 13 and Chapter 7 bankruptcy process in the Buffalo, Rochester, and Western New York region.

Types of Collection Activity – This page provides basic information regarding various types of collection activity experienced by clients, including debt collection, phone calls and letters, lawsuits, garnishments, collection agencies, debt collection lawsuits, judgments, wage garnishments, vehicle and automobile repossessions, mortgage foreclosures, and tax foreclosures.

Abusive Debt Collection Tactics – This page contains information regarding abusive tactics employed by debt collection agencies, including repeated phone calls and threatening debt collection letters. It also explains the remedies that are available to stop abusive debt collectors.

Bankruptcy information – This page contains the text of our complete guide to filing bankruptcy in Western New York