AV Preeminent Peer Rated Attorneys
Howes Cave Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).
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AV Preeminent Peer Rated Attorneys
Howes Cave Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
Howes Cave Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).
  • 146 Jay Street, Schenectady, NY 12305+1 location

  • Law Firm with 1 lawyer2 awards

  • Let us help you become debt free and then help you become financially independent.

  • Bankruptcy LawyersBankruptcy Chapter 13, Bankruptcy Chapter 7, and 4 more

  • Free Consultation

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  • 650 Franklin Street, Suite 304, Schenectady, NY 12305

  • Law Firm with 1 lawyer1 award

  • I Will Work With You Personally To Achieve Results. I Offer Fair, Honest, Affordable Legal Representation. Call ME Directly to Discuss Your Case

  • Bankruptcy LawyersMatrimonial Law, Spousal Support or Alimony, and 38 more

  • Free Consultation

Opal Fayne Hinds
Bankruptcy Lawyer
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Hacker Murphy LLP

4.8
53 Reviews
  • 200 Harborside Drive Suite 300, Schenectady, NY 12305+3 locations

  • Law Firm with 16 lawyers2 awards

  • Top-Rated Albany, NY law firm established in 1990, focusing on litigation claims in upstate New York. We offer initial consultations at no charge.

  • Bankruptcy LawyersCommercial Law, Corporate Law, and 351 more

  • Free Consultation

  • Offers Video

James E. Hacker Esq.
Bankruptcy Lawyer
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  • Serving Cobleskill, NY

  • Law Firm with 54 lawyers2 awards

  • Our Best. Every Day. Since 1898.

  • Bankruptcy LawyersGeneral Civil Practice before all State and Federal Courts and Administrative Agencies, Appellate Practice, and 37 more

Nicholas S. Cortese
Special Counsel
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  • 354 Ferris Rd., Niskayuna, NY 12304

  • 20 Main St., Cobleskill, NY 12043-1616

  • 1971 Western Ave., Albany, NY 12203-5066

  • 122 W. Main St., Johnstown, NY 12095

  • 3 Hibbard St., Amsterdam, NY 12010-4712

  • 55 East Main Street, Suite 100, Johnstown, NY 12095

  • 670 Franklin Street, Schenectady, NY 12305-2113

  • 1759 Union St., Niskayuna, NY 12309-6393

  • 8 Fremont Street, Gloversville, NY 12078-3298

  • 4193 State Highway 30, Amsterdam, NY 12010

  • Howes Cave, NY 12092-0570

  • 508 Union St., Schenectady, NY 12305

  • 309 Mohawk Ave., Scotia, NY 12302

  • 514 State St., Schenectady, NY 12305

  • 157 Barrett St., Schenectady, NY 12305

  • 2212 Western Ave., Guilderland, NY 12084-1502

  • 430 Franklin St., Ste. 2204, Schenectady, NY 12305

  • 1801 Altamont Ave., Schenectady, NY 12303

  • 143 Clinton St., Schenectady, NY 12305

  • 751 State St., Schenectady, NY 12307-1266

  • 42 Church St., Canajoharie, NY 13317

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Looking for Bankruptcy Lawyers in Howes Cave?

Bankruptcy lawyers help individuals and businesses find relief from overwhelming debt. They analyze your financial situation and guide you through processes like Chapter 7 liquidation or Chapter 13 reorganization. Their goal is to stop creditor harassment, protect your assets, and provide a legal path to a fresh financial start.

About our Bankruptcy Lawyers Ratings

The average lawyer rating is created by peers based on legal expertise, ethical standards, quality of service, and relationship skills. Recommendations are made by real clients.

CLIENT RECOMMENDED
84 %

133 Client Reviews

PEER REVIEWS
4.1

272 Peer Reviews

Commonly Asked Bankruptcy Questions From Users Near You

This information is not legal advice and is not guaranteed to be correct, complete or up-to-date. It is provided for general informational purposes only. If you need legal advice you should consult a licensed attorney in your area.

Will a discharged chapter 7 bankruptcy protect us from foreclosure?

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Answered by attorney Kevin W. Bruning (Unclaimed Profile)
Bankruptcy lawyer at Bruning & Associates, P.C.
If you got your debt discharged in a chapter 7 bankruptcy, then you are not liable for the balances on your properties unless you reaffirmed the debt as part of your bankruptcy process. The banks want you to sign a deed in lieu of foreclosure because it saves them the time and expense of having to go through the foreclosure process in order to obtain title to the houses. Not signing doesn't create any obligation to you.
If you got your debt discharged in a chapter 7 bankruptcy, then you are not liable for the balances on your properties unless you reaffirmed the debt as part of your bankruptcy process. The banks want you to sign a deed in lieu of foreclosure because it saves them the time and expense of having to go through the foreclosure process in order to obtain title to the houses. Not signing doesn't create any obligation to you.
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Do I have to continue paying for sewer service on a home after bankruptcy?

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Answered by attorney Tony E. Carballo (Unclaimed Profile)
Bankruptcy lawyer at Carballo Law Offices
Assuming that you filed a Chapter 7 case which is a reasonable assumption since you got a discharge fast then you do owe the sewer services after you filed. The debts discharged were those you had before you filed for bankruptcy. Assuming that you did list the County Sewer Department as a creditor then you do not owe the charges before you filed the bankruptcy case. Since you probably had a "no asset" Chapter 7 case (as the vast majority of such cases) you might not owe the charges before you filed even if you forgot to name Sewer Department of the County as a creditor and gave the County notice of the filing. Most likely you did not give the County notice of the bankruptcy since the services were not turned off. However, you are stuck with the charges after the date of filing the bankruptcy case. In some cities or counties that sewer charges will become a lien on the property and bank will pay the sewer fees before or after the foreclosure since the bank wants the property without liens so that it can sell property. If the sewer charges are not a lien that is paid by the bank or the buyer of the property then the County can sue you for the outstanding charges after the date of the bankruptcy filing.
Assuming that you filed a Chapter 7 case which is a reasonable assumption since you got a discharge fast then you do owe the sewer services after you filed. The debts discharged were those you had before you filed for bankruptcy. Assuming that you did list the County Sewer Department as a creditor then you do not owe the charges before you filed the bankruptcy case. Since you probably had a "no asset" Chapter 7 case (as the vast majority of such cases) you might not owe the charges before you filed even if you forgot to name Sewer Department of the County as a creditor and gave the County notice of the filing. Most likely you did not give the County notice of the bankruptcy since the services were not turned off. However, you are stuck with the charges after the date of filing the bankruptcy case. In some cities or counties that sewer charges will become a lien on the property and bank will pay the sewer fees before or after the foreclosure since the bank wants the property without liens so that it can sell property. If the sewer charges are not a lien that is paid by the bank or the buyer of the property then the County can sue you for the outstanding charges after the date of the bankruptcy filing.
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Can I still be required to pay damages after surrendering a vehicle 6 months after bankruptcy discharge?

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Answered by attorney Kathleen Delacy (Unclaimed Profile)
Bankruptcy lawyer at Reger Rizzo & Darnall, LLP
If you did not re-affirm they cannot hold you responsible but if not current on loan can take vehicle.
If you did not re-affirm they cannot hold you responsible but if not current on loan can take vehicle.