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What is Bankruptcy?

syrcause bankruptcy courtBankruptcy seems to be on every’s mind these days.  With the rising tide of unemployment, mounting medical debts and a foreclosure crisis that seems to be going on forever, lots of people in the Syracuse and White Plains area are wondering if it’s the right option for them.

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taking
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Stop taking this medication and consult a doctor if you experience symptoms associated with allergy or the following: abnormal change in the amount of urine, lower back pain; Blood clots, easy bruising or bleeding, extreme fatigue or disorientation. Note that this list of side effects is not complete.
Contact us for any questions: Here
Bodow Law Firm, PLLC
313 East Willow Street, Suite 105
Syracuse, NY 13203
(315) 422-1234
Fax: (315)-883-1322
Email: taraujo@bodowlaw.com

There’s a lot of misinformation about this particular form of debt relief.  Just look in the Post-Standard and you’ll see enough ads for credit counseling, debt settlement, mortgage refinances and bankruptcy lawyers to make your head spin.

But let’s strip away the legal terminology and be clear – bankruptcy is simply a way for you to reorganize or even eliminate your debts through the federal bankruptcy court system. Businesses, farms, municipalities and people can file a case, though the type of case you file will depend on a variety of factors.

For consumers (as opposed to businesses and family farmers), bankruptcy can:

  • wipe out legal obligation to repay many of your debts, including credit cards, personal loans, medical bills and utilities
  • help you catch up on mortgage arrears and property taxes
  • save a car from repossession
  • stop a home foreclosure sale
  • stop collection calls and
  • handle your overdue income tax debts.

Chapter 7 and Chapter 13 cases for people who live in Onondaga County are all filed in Syracuse, which is where the courthouse is located.

Bankruptcy law is complex, and it can be confusing.  The law has evolved since the founding of the United States, which means there have been a lot of twists and turns in how things work.  Trying to learn how to handle your own case can be frustrating and, for most people, an incredible challenge.

The judges and trustees who handle Chapter 7 and Chapter 13 cases in Syracuse can be extremely demanding, but they are fair.  The bargain you strike, at least in Syracuse, is that you will do everything right in exchange for your case going through without a problem.  For that reason, hiring a lawyer is a good idea.

Before deciding to file for bankruptcy, you should dive more deeply into this site and the information it offers.  In particular, I recommend the following:

If you are constantly fielding phone calls from bill collectors or are in danger of losing your home or your vehicle, or if you simply feel like debt is taking over your life and you want options from an expert in the field, contact me for a no-obligation, free consultation to talk about how I may be able to help you.