Niagara Falls, NY Bankruptcy Law Firms & Lawyers

I am sorry to hear of your situation. You should really contact an attorney, have the contract reviewed to see what can be done. If this is truly fraudulent you should be recontacting your credit card companies about it and may wish to speak with your local country prosecutor. Yes, most probably the debts could or would be dischargable in bankruptcy, but again, you should present the entire situation to an attorney before you make any decision. Generally, when you file a bankruptcy you are required to list all of your debts and assets, regardless of their source. The problem here seems to be the bad guys got the money, delivered nothing and you (and the credit card companies who are not the bad guys) are the victims.

The liens against the property at the time of filing remain and "ride through" bankruptcy unless and until the debtor moves to have the liens "scraped off." So the answer is no, the liens will not be released by filing for bankruptcy protection, nor at the time of discharge, for that matter, without something more on your part. You can get a more complete response by taking all relevant papers to a local bankruptcy attorney. Many offer a free half-hour consultation. Take your tax returns, proof of earnings, all outstanding bills, a credit report, your deed and vehicle registration papers, the judgments against you, and a list of monthly expenses so that the attorney can evaluate your case.