Thinking About Bankruptcy? Get Legal Advice First
If unemployment, divorce, medical bills, or credit cards have caused chronic financial problems for you and your family, you might consider Chapter 7 bankruptcy as a way out of a tough situation. At Callanen, Foley & Hobika, our lawyers help people make the decision to file for bankruptcy relief — or not — based on a realistic view of your overall financial circumstances. Contact us in Utica for a free consultation about your options.
If our analysis of your situation shows that you can benefit significantly from Chapter 7 relief, we can handle all aspects of your bankruptcy case from the initial filing to the order of discharge. If a mortgage workout or negotiations with particular creditors can improve your position, we'll help you resolve your financial pressures outside of bankruptcy
Any sound decision to file for bankruptcy under Chapter 7 will reflect a solid understanding of your debts, assets, income and expenses. This analysis will reveal a great deal about your rights and interests:
- Your eligibility for Chapter 7 relief
- Your ability to benefit from exemptions — protecting your assets from creditors' claims
- The amount of the indebtedness you'll be able to discharge
- Your options for dealing with tax or student loan debts that can't be discharged
Our advice focuses on helping you get the maximum benefit of the bankruptcy relief available under the facts of your case.
Different people will have different debt problems. Small business owners will be especially interested in bankruptcy options that protect them from personal liability on business debt. People carrying high car or truck loans might want to look into refinancing options that can discharge the difference between what you owe and the actual value of the vehicle. People facing garnishment or harassment from creditors will benefit from bankruptcy's automatic stay, which prevents any creditor from continuing collection efforts without court permission.
Call 315-235-1706 in Utica for Advice About Your Bankruptcy Options
We advise and represent people considering Chapter 7 bankruptcy relief throughout the Mohawk Valley and central New York state. To learn more about your best options for relieving debt pressure, discuss your case with an experienced attorney. Contact the Utica law firm of Callanen, Foley & Hobika for a free consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
