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Olean 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).
AV Preeminent Peer Rated Attorneys
Olean Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
Olean 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).

Fessenden, Laumer and DeAngelo

4.2
24 Reviews

  • 2626 W. State St., Ste. 203, Olean, NY 14760+2 locations

  • Law Firm with 4 lawyers2 awards

  • EXPERIENCED WESTERN NEW YORK INJURY ATTORNEYS GET STRONG RESULTS

  • Bankruptcy LawyersPersonal Injury, Automobile Accidents, and 23 more

Mary B. Schiller
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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.

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12 Client Reviews

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16 Peer Reviews

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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.

Do you have to reaffirm mortgages to get refinanced?

Richard B. Jacobson
Answered by attorney Richard B. Jacobson (Unclaimed Profile)
Bankruptcy lawyer at Richard B. Jacobson Associates, LLC
Reaffirmations can only be filed BEFORE you get the bankruptcy discharge, and it sounds like you got your discharge years ago. (Did you have a lawyer who knew his or her business? Bankruptcy is not a really simple area of law.) Discuss with your proposed lender that you neglected to reaffirm, but that you have been 100% on time with all payments (if this is true)reaffirmation or not. That is probably the strongest indication that you will pay faithfully in the future. Good Luck.
Reaffirmations can only be filed BEFORE you get the bankruptcy discharge, and it sounds like you got your discharge years ago. (Did you have a lawyer who knew his or her business? Bankruptcy is not a really simple area of law.) Discuss with your proposed lender that you neglected to reaffirm, but that you have been 100% on time with all payments (if this is true)reaffirmation or not. That is probably the strongest indication that you will pay faithfully in the future. Good Luck.
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What can I do regarding foreclosure hearings after Chapter 7 bankruptcy? How?

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Answered by attorney Dorothy G. Bunce (Unclaimed Profile)
Bankruptcy lawyer at A Fresh Start
Without reading the paperwork, it is impossible to say for sure, but typically in these situations, the lender is only seeking to recover the property back through foreclosure. If that is the case, hiring an attorney to defend yourself from something you probably want to happen would be a waste of money.
Without reading the paperwork, it is impossible to say for sure, but typically in these situations, the lender is only seeking to recover the property back through foreclosure. If that is the case, hiring an attorney to defend yourself from something you probably want to happen would be a waste of money.
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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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