My name is Andy Winchell and I am an attorney focusing on a restructuring, insolvency, foreclosure defense and bankruptcy practice for commercial and consumer clients.
I represent individual, organizational and corporate clients in bankruptcy, foreclosure defense and other restructuring matters.
I have spent my career working almost exclusively in in this area law since I graduated from the University of Southern California School of Law in 1996.
I am licensed in New Jersey, New York and California. I have practiced in New York, Los Angeles and now Summit, New Jersey.
If you or someone you know is in financial distress, is affected by a bankruptcy case, or is potentially facing a situation affected by the possible insolvency of a party, please contact my office immediately.
We represent consumer and commercial clients in bankruptcy and restructuring proceedings.
We take particular interest in addressing the personal needs of each client. If bankruptcy is the right option for the client, we handle the case with the utmost professionalism. If a bankruptcy is not appropriate, we advise the client about the best alternative options.
Each potential client meets privately with Andy for a free consultation during which he goes through their particular situation and advises of options and alternatives. If a bankruptcy filing is appropriate, Andy and his staff guide the client through the process from start to finish. Andy personally attends every meeting with the trustee and every court appearance; we do not use appearance attorneys except in extreme emergencies.
Andy has been practicing in this area of the law since even before graduating law school in 1996. He worked for three different bankruptcy judges before beginning private practice. He is one of few attorneys who can handle both commercial and consumer bankruptcy cases.
We represent homeowners facing foreclosure.
The housing crisis has left many people bewildered. How can I save my home? How can I protect myself? How can I get a loan modification? Who owns my loan?
Andy is one of the few lawyers in the country who understands how mortgage loans are bought and sold. Very few lawyers understand the legal requirements for a lender to foreclose on a mortgage loan. He is on the cutting edge of developments in the field and fights relentlessly for his clients. If you consult with Andy, he can explain the housing crisis and the problems that your mortgage lender will face in trying to foreclose on your home.
How did your firm decide on the primary area of practice(s)?
I have been involved in bankruptcy practice since even before I graduated from law school. I worked for two different bankruptcy judges during law school and then had a clerkship with a bankruptcy judge following graduation. I have been in private practice in this field ever since. The other related practice areas were just the natural outgrowth of experience dealing with legal matters relating to restructuring and financial distress.
What experience or education distinguishes your lawyers from others
In addition to practicing in this area in this area since 1996, I am two-time graduate of Max Gardner's Bankruptcy Bootcamp which focuses on cutting-edge bankruptcy consumer practice and foreclosure defense. I have been asked to speak, write and make presentations on these topics.
What distinguishes your law firm from others?
We take a very individualistic approach to each representation. We want to give the client what he or she needs given the circumstances. I meet personally with each client even before being retained and go through the client's situation at some depth before making recommendations for the course of action. Then if the client decides to retain us, we guide the client through the entire process.
Unlike most firms in this field, who have a sort of catch-and-release policy with respect to their clients, we want our clients to keep us informed even after the main representation is done. For example, many bankruptcy clients discover after they receive their discharge that they caught "zombie debt" -- a creditor or debt-buyer trying to collect debt unlawfully. We pursue the cases actively as a way to enforce the bankruptcy discharge and to protect our clients' credit rating.
What is your firm's point of view regarding clients educating themselves on legal issues?
We want our clients to be as educated as we can make them about the process and events involved in their case. We are always happy to answer any questions they have.