A Fresh Start Through Bankruptcy
In the current economic climate, many people who never previously experienced serious financial problems have found themselves deeply in debt. The loss of a job, a divorce or an unexpected medical expense can quickly create a crushing debt burden. In New York and all across the nation, millions of people are facing severe financial trouble.
You do not have to face this alone. The attorneys of DeGraff, Foy & Kunz, LLP, are here to help. We want you to know that you still have options. Selecting the right option for your particular situation can give you a fresh financial start.
Bankruptcy offers advantages and protections that debt consolidation and other programs do not. Bankruptcy allows you to discharge (eliminate) your debt entirely or pay back a portion of it over a period of three to five years.
Not only can bankruptcy eliminate debt; it can also:
- Stop foreclosure
- Stop wage garnishment
- Stop repossessions
New York Chapter 7 Lawyer, Chapter 13 Bankruptcy Attorney
Not everyone is eligible to file Chapter 7 bankruptcy, which will completely eliminate most of your debts. We can tell you whether Chapter 7 is an option for you. If you have a regular source of income, you may be a candidate for Chapter 13 bankruptcy. This form of bankruptcy is often called the wage-earner's plan, although you may qualify if you have regular income from any source. Chapter 13 allows you to make one affordable payment each month after paying your own living expenses. In many cases, it can allow you to keep your home.
Arrange a Free Consultation
Our Saratoga Springs bankruptcy attorneys see bankruptcy as a responsible way to address a financial problem and a tool for building a brighter financial future. There is no charge to learn if bankruptcy can help you. Please contact DeGraff, Foy & Kunz, LLP, by e-mail or call toll free 866-842-6197 to arrange a free initial consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.