Trevett Cristo Salzer & Andolina P.C. offers bankruptcy and debt relief* for individuals seeking protection from the bankruptcy courts in Upstate New York. If you are an individual or married couple facing debt problems, schedule a consultation to meet with one of our bankruptcy attorneys. We will explain the bankruptcy process and what options you have for eliminating or restructuring your personal debt.
Bankruptcy options for individuals and families include:
- Chapter 7 Bankruptcy: This option allows people to eliminate their unsecured and secured consumer debt. Under Chapter 7, petitioners may keep their primary residence and a vehicle, when certain conditions are met. Under Chapter 7, credit card debt and medical bills may be eliminated. Student loans may not be included in Chapter 7 debt elimination.
- Chapter 13 Bankruptcy: This option allows individuals and families to restructure all of their debt, including student loans, tax debt and other debt that is typically not allowed under Chapter 7. The three- or five-year debt reorganization plan will include a settlement with your creditors to reduce interest rates, penalties and fees and can save you thousands of dollars over the full amount of debt currently owed.
- Chapter 11 Bankruptcy: Under certain conditions that include significant and complex personal debt, some individuals and families of high net worth may qualify for debt reorganization under Chapter 11 bankruptcy, typically reserved for business debt reorganization.
Leadership in Consumer Bankruptcy Law in Upstate and Western New York
Our consumer bankruptcy legal division is led by partner David H. Ealy. Mr. Ealy is past chair of the Bankruptcy Court Committee of the Monroe County Bar Association and is a current member of the New York Bankruptcy Bar Association. His professional presentations include ' Litigating in Bankruptcy Court' for the Monroe County Bar Association and ' Fundamentals of Bankruptcy' for the National Business Institute.
A Note About Tax Debt Relief
If you are considering bankruptcy to eliminate or reorganize your tax arrears to the state or federal government, it is important to hire a knowledgeable attorney as legal counsel. Tax debt may be eliminated only after certain conditions have been met. We will explain the laws and help you understand your options.
Stopping Collections Calls
Under the law, creditors and collection agencies are required to communicate with your attorney for all collections actions regarding your debt. When you retain us as your legal counsel, your debtors will be notified that all collections calls to your home or office must stop immediately.
From offices in Rochester, our lawyers represent clients throughout Upstate and Western New York. Contact our office at 585-454-2181 to schedule a consultation with an experienced Rochester bankruptcy attorney at our firm.
*We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Under New York's Code of Professional Responsibility, portions of this website contain attorney advertising. Prior results do not guarantee a similar outcome. Results depend upon a variety of factors unique to each representation.
