You Have Questions; I Have Answers.

Bankruptcy is confusing and the feeling that your financial state is in ruins can stop many people in their tracks. Knowledge really is power. Taking control of your own future can be as simple as knowing the full ramifications of your choices.

As an attorney with more than 30 years practicing bankruptcy law and only bankruptcy law, I have the answers you need to feel empowered in this situation. I am attorney Peter R. Scribner, Esq., and I am dedicated to helping Rochester citizens get through bankruptcy with their future brighter than it had been.

Call me for more answers. Dial 585-800-9616. Your first telephone consultation is free.

Should I File For Bankruptcy?

The short answer is that you should not file for bankruptcy if you still have other options. If you think you are at this point, call my office. As your lawyer, I can evaluate your financial state and give you my personalized and professional opinion.

What Is The Difference Between Chapter 7 And Chapter 13?

Chapter 7 bankruptcy wipes away most debts and liquidates assets to accomplish this task. Chapter 13 bankruptcy is an option for high-income clients who believe that with a structured financial resettling they can pay back their debt.

Chapter 7 bankruptcy will generally stay on your credit score for 10 years. Chapter 13 bankruptcy stays on your credit report for seven years.

Do I Earn Too Much Money To File For Bankruptcy?

It is very rare that anyone makes too much money to file for bankruptcy. In particular, Rochester's median income is far lower than the median income for New York state in general. You must make less than $81,500 for a family of three to be disqualified.

Can I Stay In My House?

Possibly. This entirely depends on the nature of your loans, how your creditors have approached the situation and your own abilities. Find out more about how to halt foreclosure proceedings.

Do I Need To Go To Court?

Technically there is not a "court" for bankruptcy. Instead, you will have a hearing with a bankruptcy trustee. Hearings are generally brief and occur a month or so after filing.

How Long Does Bankruptcy Take?

Bankruptcy is going to vary depending on your situation. You will need a full analysis of your finances and will have to account for any fees you need to pay. The actual filing process afterward can go through quickly, generally in only two or three appointments.

What Do I Do Now?

Reach out. There is no reason that you should have to file your bankruptcy without guidance. And, if your case is straightforward and you do not need legal aid, I will tell you honestly and right away. Send me an email to schedule your free telephone consultation.

My law firm is a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.