Kall and Reilly, LLP serves clients in Central New York with over 100 years of combined experience. Bankruptcy is a primary area and focus of our law firm and we specialize in federal bankruptcy law and debt relief.
We assist the people of Central New York including the counties of Onondaga, Wayne, Cayuga, Oswego, Cortland, Madison, Oneida, Jefferson and Seneca with:
We would like to meet with you about your situation and get a feeling for the kinds of needs you may have. The goal is to get you out of your debt in as little time as possible and the more we know about your situation, the better plan we can create for you to make that happen. We are committed to your case through the entire process and will be here to answer any questions you might have along the way.
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Kall and Reilly, LLP wants to assure you that you are making a good decision by getting help. Contacting us and putting a qualified, experienced lawyer on your team means that you are taking the first step in ridding yourself of overwhelming debt problems. Peace of mind, restful nights and a hopeful outlook are right around the corner! Bankruptcy will immediately stop wage garnishments, law suits, repossessions, foreclosure on your home, and collection harassment. It may eliminate unsecured debt, so you have more disposable income, which will result in more financial independence.
You will find our bankruptcy lawyers and legal staff friendly, experienced and professional. We will treat you with respect and dignity, and really listen to help you accomplish your individual goals.
Under some bankruptcy circumstances you might be completely discharged of your personal or business debt and in others you may still be able to operate your business while your debt is paid in increments. It is important to know what you can expect with your particular case. With the team of Kall and Reilly, LLP, you can rest assured that you have knowledgeable experienced people behind you throughout the entire process. We know how to help you and will give you the personal attention your case needs to put you on the right track to being debt free.Everyone deserves a second chance. Fortunately, Bankruptcy law allows people to start over by wiping away most if not all of their debts. Bankruptcy has many advantages for the struggling debtor; it can be a relatively quick and easy way to end creditor harassment, and the hardship, anxiety and marital stress associated with burdensome debt. If you are overloaded with debt and harassed by creditors, filing for Bankruptcy may be an excellent option for you.
Chapter 7 Bankruptcy
Filing Bankruptcy can change a person’s life in many positive respects. However, there are some problems that not even Bankruptcy can fix. Here are the most important examples:
First of all, you need a good lawyer! But you have come to the right place. Melvin & Melvin has been representing clients in Bankruptcy cases since 1920. We are among the most experienced and skilled Bankruptcy lawyers in Upstate New York. We will get you through it.
There are two major roads through personal Bankruptcy, which are called Chapter 7 and Chapter 13; you will have to choose one of them. For both of these alternatives there is a substantial amount of paperwork that is required to be done.
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We will guide you through each step in this process; we will help you choose between Chapter 7 and Chapter 13, we will help you complete all the paperwork, and we will sit next to you at your meeting with the trustee. We will not let you down.
You are almost all done. If you have any non-exempt property, it will have to be turned over to the trustee; if you are still making payments on your house or car you probably will have to sign a reaffirmation agreement. But apart from those exceptions, you probably will need to do nothing more than go home and wait for your discharge papers to be sent to you a few weeks later.
Then beginning within a month after you file your case you will have to begin sending payments to your trustee. But the amount of your payments will depend primarily on what you can afford to pay, not on the amount of money you owe. Those monthly payments will have to continue for a period of between three to five years (36 months to 60 months). The money that you send to the trustee will be paid by him to your creditors on a proportionate basis.
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You are probably wondering why anyone would choose Chapter 13 instead of Chapter 7. In many instances, Chapter 7 is not available because of the amount of money a person makes on an annual basis.
For instance, in New York State, the “median income” of a family consisting of a married couple and two children is $81, 522.00, where only one adult is working. If the income of that working person is, for example, $85, 000.00, and if his or her debts are primarily of a consumer nature (rather than from a business), then he or she is over the “median income” level and the Bankruptcy law will require him or her to file under Chapter 13 unless a very good reason can be shown.
; there will be no charge for coming in and discussing with us whether filing Bankruptcy would be a good option for you to take.
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The fee that our office would charge you as payment for our services in helping you file either a Chapter 7 case or a Chapter 13 case will depend on the complexity of your situation. But unless your case is unusually complicated, our fee would be a flat rate, one lump-sum amount covering all of our work.
In addition to the fee of our office, the Bankruptcy Court will require the payment of a filing fee. The filing fee for a Chapter 7 case is $306.00. The filing fee for a Chapter 13 case is $281.00. Depending on what actions are required after your case is filed it is possible that additional fees would be required, but usually not more than $50.00 in total.
For a case under either Chapter 7 or Chapter 13, you would have to deliver to us the amount of the filing fee before your case is filed.
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For a case under Chapter 7 you would have to pay us the entire amount of the fee of our office before we filed the case. For a Chapter 13 case, we would ask you to pay as much of our fee as you could before the case is filed, but a substantial portion of our fee could be paid from the money that the trustee will distribute to your creditors.
Your Bankruptcy could appear on your credit report for up to ten years. It may be more difficult for you to obtain new credit as long as your credit report shows your Bankruptcy filing.
However, being “credit worthy” is like “beauty”, it is in the eye of the beholder. Some lenders and merchants will be less reluctant than others to extend new credit to you. In fact, from the point of view of many creditors, after you file Bankruptcy, you are a better risk for a new loan than someone who did not file Bankruptcy. This is because your discharge relieves you from the responsibility of paying old debts, which will improve your ability to pay new debts, and after receiving a discharge you will have to wait several years before obtaining another one. Department stores and gasoline companies are often the first lenders and merchants who extend new credit to people who have filed Bankruptcy. As you incur and repay new debt, you will build a new, and more favorable, credit history.
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On the other hand, many people file Bankruptcy because they have abused – or through no fault of their own have overused – their available credit in the past. The most common reason people file Bankruptcy is because they owe large amounts of money on their credit cards and charge accounts. Like many things, credit is often best used sparingly, or in moderation. Many people decide to discontinue entirely their use of credit cards and charge accounts after they file Bankruptcy.
Call us today and set up an appointment. Melvin & Melvin has the Syracuse bankruptcy attorney who can help you by answering questions and addressing your concerns. If your work schedule prevents you from meeting with us during regular business hours, we will be happy to schedule time for you after 5p.m. or on a weekend. If you have any questions or concerns, feel free to email us at [email protected] or call at (315) 422-1311.Since 1995, our team at Harris-Courage, PLLC has been advising clients who are overwhelmed by debt. With multiple locations throughout Central New York, we’re ready to show you how bankruptcy can provide you with a fresh start.
After earning her J.D. in 1984, Attorney Laura Harris-Courage began her career representing creditors in bankruptcy cases. However, she soon realized she wanted to help the
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