I am a bankruptcy lawyer practicing in Rochester, New York and other communities throughout Monroe and and represent debtors in Chapter 7 and Chapter 13 Bankruptcy cases. I offer free one-on-one consultations and personal attention in every case.
Personal bankruptcy is a way of receiving protection from your creditors. Bankruptcy protection in the United States has been available since the adoption of the U.S. Constitution, and has been used as a means for people to obtain relief from burdensome debts.
The U.S. bankruptcy laws are formulated to give an honest debtor a fresh start. Bankruptcy is intended to level the playing field between people who owe money and the people they to whom they owe money.
Bankruptcy is a necessary safety valve in our economy. The relief provided by the bankruptcy laws gives people who are over their heads financially an opportunity for fresh start. There are two main types of bankruptcy: Chapter 7 and Chapter 13.
Chapter 7 Bankruptcy is called a "liquidation" bankruptcy. Chapter 7 bankruptcy is designed to help people who are unable to pay their existing debts. The purpose of filing a Chapter 7 case is to obtain a discharge of your existing debts. When you file for Chapter 7 bankruptcy you can wipe out debt from:
Checking account overdrafts
Certain tax debts
Medical and dental bills
Social Security and unemployment overpayments
Under Chapter 7, a trustee takes possession of your property that is not considered exempt under New York law. Common property types that you can keep when you file for Chapter 7 bankruptcy are:
Bank accounts with a total value of up to $2,500
Automobiles with total equity of up to $2,400
Household furniture with a value of up to $5,000
Clothing and jewelry with a value of up to $5,000
Retirement accounts from a current or previous employer
Homes with a total equity of up to $50,000
Unfortunately, not every debt can be discharged. Debts that cannot be discharged include:
Child support and alimony
Debts obtained through fraud or deception
Court-ordered fines and criminal restitution
Most student loans
Debts for personal injuries caused by driving while intoxicated or taking drugs
Chapter 13 bankruptcy, known as the "Wage Earner Bankruptcy" is designed for those individuals who are able to repay a portion of their debts over time.
Most individuals who seek protection under Chapter 13 of the U.S. Bankruptcy Code are those who: own property that would not be considered exempt under Chapter 7; have a past due balance on a mortgage or car loan and wish to repay those past due balances over time without fear of foreclosure or repossession; have debts such as student loans that would not be discharged under a Chapter 7 bankruptcy; or have disposable income (as it is defined by the bankruptcy laws) sufficient to repay a portion of their debts over a three year period of time (this period is five years for people who do not qualify for Chapter 7).
Under Chapter 13, you are given the opportunity to catch up on past due mortgages, car loans and rent payments. In addition, if you repay your debts through Chapter 13, you are given a predictable payment plan that your creditors are required to accept. The major difference between Chapter 13 and debt consolidation or debt settlement is that Chapter 13 gives you the protection of the U.S. Bankruptcy Code to protect yourself from continued interest, late fees, and credit harassment.
70 Linden Oaks #2804
Rochester NY 14625
I offer free initial consultations.
Chapter 7 Bankruptcy Chapter 13 Bankruptcy Subchapter 5 Bankruptcy.
9 am to 5 pm M-F. Evening hours available.
English, Russian, Ukrainian
I am a bankruptcy attorney and practice law in the City of Rochester and other communities throughout Monroe and surrounding Western New York counties, and represent debtors in Chapter 7 and Chapter 13 Bankruptcy cases.
I have been a Rochester, New York, bankruptcy lawyer since 1996, helping people in Rochester, Monroe County, and nearby counties, to file for bankruptcy under Chapter 7 and Chapter 13 of the Bankruptcy Code. My clients come from different levels of income and file for bankruptcy for many different reasons, such as loss of a job, credit card bills, illness, or medical bills.
My goal with every bankruptcy is to help you get out of debt and re-build your life.
I am a 1989 graduate of Union College and earned J.D., cum laude, from SUNY Buffalo School of Law in 1994. While in law school, I was a member of the Buffalo Law Review.
I was admitted to practice in the New York State in 1995. I have been practicing law in Rochester for the past 24 years.
I was born in St. Petersburg, Russia, and am fluent in Russian. I also understand Ukrainian. Locally, I work with Russian and Ukrainian immigrants, and I am involved with several community organizations.
I previously have served on the Board of Directors of the Jewish Family Services of Rochester and volunteer with the Volunteer Legal Services Project. As a result of my involvement with the Volunteer Legal Services Project, I received the William E. McKnight Volunteer Service Award in 2000.
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