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CHAPTER 7 BANKRUPTCY IN CENTRAL NEW YORK.

Chapter 7 Bankruptcy is commonly referred to as a “straight bankruptcy” or a “liquidation case”. I prefer to call it a “FRESH START”!

Under Chapter 7 bankruptcy the majority of your unsecured debts will be completely discharged. These include judgments, credit cards, personal loans, medical bills, old utilities, old landlords, etc. However, certain debts, referred to as “secured debt” or “non-dischargeable debt,” cannot be discharged through bankruptcy. This type of debt includes child support, spousal support, student loans, tax debt, etc. Furthermore, in exchange for eliminating your unsecured debt, the bankruptcy court technically may sell off some of your non-exempt assets and properties to back pay your creditors. That is why it is vital that your attorney know how to protect your belongings and assets with the exemptions provided in the Bankruptcy Code.

Nevertheless, despite the misinformation most people receive from friends and family that have “heard” bad things about bankruptcy, most people do not lose any property in bankruptcy. During my FREE consultation I can explain the process of bankruptcy and what you can expect if you file.

I am, Russell Simonetta, Central New York’s premier bankruptcy lawyer!

Call us today for your FREE consultation!
315-472-3328

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