Chapter 7 bankruptcy is the type of bankruptcy most people think of when considering ways to get out from under the heavy burden of consumer debt.
I am bankruptcy lawyer Scott Ugell. For more than 25 years, The Ugell Law Firm, P.C., has been helping people get the fresh financial beginning they need for their families. Chapter 7 is often an excellent solution to a debt problem that is keeping you from saving for your family and building for a secure financial future.
Chapter 7 Is Often Referred to as ‘Liquidation Bankruptcy’
A Chapter 7 bankruptcy proceeding is a process by which a Federal Bankruptcy Court Appointed Trustee reviews your petition to determine if you qualify to have your debts and some of your assets liquidated or current lease obligations terminated, if you so choose. What most people don’t realize is that there are many thousands of dollars of exemptions (property you keep even after bankruptcy) available to a bankruptcy petitioner, which in most cases is more than sufficient to cover everything a typical U.S. family would need. For the typical family, the only thing that gets liquidated is a petitioner’s debt.
Too Good to Be True? It’s the Law.
Chapter 7 bankruptcy is a powerful tool which helps hundreds of thousands of people in each district of every state in the entire United States. Bankruptcy often becomes the best and only realistic method to get clear of creditors and juggling monthly payments between credit cards, car payments and your mortgage. By scheduling a consultation to discuss your debt problem now, rather than waiting to see if you can juggle payments one more month, you can save yourself time, money, and many a good night’s rest.
Experience Makes a Difference in the Amount of Time and Cost This Will Require
You have probably been struggling with debt for many years. You can be free of collections calls overnight and free of your debt in a few months, if everything goes right. The best thing you can do for yourself is to hire an experienced attorney like Scott Ugell who will not stumble over roadblocks and unexpected turns in the road.
Under Chapter 7, you may be able to:
- Keep your house and car
- Get rid of credit card debt
- Stop creditor collection calls immediately
- Eliminate medical bills
- Eliminate tax arrears after certain conditions have been met
- Stop pending wage garnishments and lien actions
- Eliminate loan debt
- Modify your mortgage loan(s)
A note about student loans
Do not expect to eliminate student loan debt under Chapter 7 bankruptcy. You may incorporate student loan debt into a Chapter 13 petition to restructure your monthly payments under a supervised plan. I can help you with your Chapter 13 petition.
Let’s Talk About What You Need to Do to Get Your Chapter 7 Done Right
Call my office in New City today and schedule a free appointment. I will give you a clear, realistic assessment of your debt problem. I will also be honest with you about the realities of petitioning for debt relief through the Chapter 7 process. It is a legal process that involves a judge, the courts, trustees and your creditors. You will be asked to be honest and forthcoming throughout every phase. In the end, We will work together to get you and your family through to the other side, free of debt and ready to move forward into a new financial freedom.
I have been practicing in the area of U.S. bankruptcy law for more than 25 years. I back up my experience with unique credentials, including:
- Member of the National Association of Consumer Bankruptcy Attorneys (NACBA)
- Often requested by local governments to make seminar presentations about homeowners’ rights and foreclosure protection
- Participates with the National Association of Consumer Bankruptcy Attorneys (NACBA) to meet with U.S. Congressional Staff on matters related to U.S. bankruptcy code and foreclosure issues.
- Professional articles and legal presentations on the issue of debt relief and bankruptcy law
- Member of the Hudson Valley Bankruptcy Bar Association
- Member of the New York State Bar Association
- Member of the Rockland County Bar Association (Co-Chairman of the Bankruptcy Committee)
- Member of the Rockland County Magistrates Association
- Member of the Board of Hillel of Rockland Community College
NOTICE: IF YOU HAVE ALREADY FILED A CHAPTER 7 BANKRUPTCY by yourself and you do not have an attorney, I strongly encourage you to contact my office immediately! The bankruptcy process is extremely complex, and your financial situation could be made far worse by an unsuccessful bankruptcy proceeding! Call my office and arrange a consultation today before it is too late.
If your Chapter 7 Trustee is objecting to your discharge, or if you are currently facing dismissal (removal from bankruptcy court with no debt relief) you are at serious risk of your bankruptcy petition being denied (dismissed). Please call my office and have an experienced attorney help you today.
Competitive Fees · Flexible Appointments · Se Habla Español
From my offices in New City, I represent families, consumers and small businesses, because that is who I am, and that is who I care about.I work to protect citizens in the Greater Hudson Valley area. To arrange an initial consultation with an experienced New City Chapter 7 bankruptcy attorney who cares about resolving your legal problem, call 845-521-7841 or contact my office by e-mail today.