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Best Bankruptcy Attorneys in Schenectady

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Barbaruolo Law Firm, P.C. logo

Barbaruolo Law Firm, P.C.

12 Cornell Road, Latham, NY 12110
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Barbaruolo Law Firm, P.C., is a debt relief office with over 25 years of legal experience. Its team of bankruptcy attorneys serves businesses and individuals in Schenectady and its surrounding metros. The law practice handles bankruptcy relief, foreclosure defense, and mortgage modifications. The legal team also assists with real estate transactions, including the purchase and sale of residential properties. Principal attorney Paula M. Barbaruolo has been teaching Consumer Bankruptcy as an adjunct professor of law since 2014.

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Becker & Becker Attorneys at Law logo

Becker & Becker Attorneys at Law

148 Central Avenue, Albany, NY 12206
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Becker & Becker Attorneys at Law is a firm that serves Schenectady and the neighboring metro areas. Its attorneys provide representation for clients who are undergoing financial difficulties from various circumstances, such as losing a job or divorce. In addition, they help clients get debt relief or recalibrate their finances through chapter 7 and chapter 13 bankruptcy. Partner Lawrence E. Becker has been practicing for more than 30 years. His other practice areas include surety, fidelity, construction, and real estate.

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Christiaan Van Niekerk logo

Christiaan Van Niekerk

146 Jay Street, Schenectady, NY 12305
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Christiaan Van Niekerk is a bankruptcy lawyer serving clients in Schenectady. His legal practice covers debt relief matters such as Chapter 13 and Chapter 7 bankruptcies, debt elimination, and loan modification. He works closely with consumers and businesses to provide legal representation before banks, credit card companies, and collection agencies, and helps clients navigate the bankruptcy process. He also aids clients in determining whether filing for bankruptcy is the best possible legal option, given their respective financial situations.

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DeLorenzo, Grasso & Dalmata, LLP logo

DeLorenzo, Grasso & Dalmata, LLP

670 Franklin Street, Schenectady, NY 12305
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

DeLorenzo, Grasso & Dalmata, LLP, is a Schenectady-based law firm that provides its legal services to clients looking to file for bankruptcy. The firm's bankruptcy lawyers help individuals and businesses file for either chapter 7 or 13 bankruptcy relief. They stay up-to-date on any changes in the bankruptcy code and can easily guide their clients throughout the bankruptcy process. They also study each case to determine if bankruptcy is the right option for each client. The attorneys of DeLorenzo, Grasso & Dalmata have almost 150 years of combined legal experience.

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Law Offices of Ronald J. Kim, PC logo

Law Offices of Ronald J. Kim, PC

3257 U.S. 9, Saratoga Springs, NY 12866
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

The Law Office of Ronald J. Kim, PC is a bankruptcy law firm offering services to clients facing consumer bankruptcy in Schenectady. The bankruptcy attorney may assist clients in deciding to file for bankruptcy, adjust payment terms for student loans, and modifying mortgage terms. Kim can also help clients deal with protection from predatory lenders. The firm also extends services to employees facing discrimination, forms of harassment, and wrongful termination. The Law Office of Ronald J. Kim, PC has been delivering legal services for more than 20 years.

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O'Connor First logo

O'Connor First

20 Corporate Woods Boulevard, Albany, NY 12211
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

O'Connor First is a law firm that serves clients in Schenectady. The firm's bankruptcy attorneys offer debt relief solutions and help clients with home foreclosure avoidance, car repossession, and creditor harassment. It likewise guides clients filing for chapter 7 bankruptcy. The firm's other practice areas include insurance defense, appellate law, and medical malpractice. Terrence O'Connor, one of the firm's namesakes, has more than three decades of legal experience and served on the board of directors for the Center for Disability Services, a healthcare company.

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Warner & Warner, PLLC logo

Warner & Warner, PLLC

6 Automation Lane, Albany, NY 12205
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  • Chapter 7 Bankruptcy

Warner & Warner, PLLC, is a family-owned bankruptcy law firm that serves the Schenectady metro. Operated by brothers Jonathan Warner and Samuel Warner, the firm assists clients in determining which bankruptcy debt relief option is best for them. It aids in the filing of chapter 7 and chapter 13 bankruptcy petitions. Additionally, it advocates for clients' legal rights after bankruptcy by resolving creditors' automatic stay violations. Warner & Warner also practices in foreclosure defense, loan modification, and social security.

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Frequently Asked Questions

Q: Can anyone file bankruptcy?

A: Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

Q: How bad is it to file bankruptcy twice?

A: Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Q: Can they take my car in Chapter 7 bankruptcy?

A: In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

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