New York Attorney Helping You Manage Your Debt
When you have had a string of bad luck, when your debt has reached a point where it no longer seems manageable, it can be difficult see your options clearly. At Carr Saglimben LLP, our bankruptcy attorneys have years of experience helping clients in Salamanca and throughout Southern New York obtain much-needed debt relief.
We will look at your case objectively and discuss your options with you. To schedule a free initial meeting to discuss your debt relief options, contact us online or call 716-376-0331.
Upfront and Honest, a Trusted Bankruptcy Lawyer
When you come in to our office for your initial consultation, we will sit down with you and begin going over your finances. We will look at your assets, liabilities, income and expenses. If bankruptcy isn't right for you, we will tell you. If it is, we will advise you on which chapter best fits your needs — Chapter 7 or Chapter 13 bankruptcy.
Chapter 7 Bankruptcy
In a Chapter 7 bankruptcy, you can get rid of most unsecured debt, including credit cards, medical bills and car payments. Any of your property that is not exempt, however, can be taken by a trustee to distribute as money to creditors. In most cases, you would be able to protect your home and your car.
Chapter 13 Bankruptcy
A typical person seeking Chapter 13 bankruptcy has had a financial problem in the past leading to a debt that they just cannot keep up with. Chapter 13 filers make manageable payments to a trustee over a 3 to 5 year period. If you are behind on your mortgage, the mortgage arrearages can be made up through the Chapter 13 plan.
If you are in Salamanca or in the surrounding area in western New York, we can discuss your debt relief options with you. For a free initial consultation, call 716-376-0331 or contact us online. Our bankruptcy attorneys only serve clients in New York.