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

Law Office of Opal F. Hinds

5.0
6 Reviews

  • 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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Christiaan van Niekerk

4.7
24 Reviews

  • 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

Christiaan Mauritz Van Niekerk
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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Hacker Murphy LLP

4.8
53 Reviews

  • Serving Schenectady, NY and Schenectady County, New York

  • Law Firm with 16 lawyers2 awards

  • Top-Rated Albany, NY law firm established in 1898, focusing on litigation claims in upstate New York. We offer initial consultations at no charge.

  • Bankruptcy LawyersCommercial Law, Corporate Law, and 349 more

  • Free Consultation

  • Offers Video

John Harwick
Partner
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Cioffi Slezak Wildgrube P.C. Attorneys and Counselors at Law

  • 1473 Erie Boulevard, 1st Floor, Schenectady, NY 12305

Lawyers At This Firm

Laura L. Silva, Esq.

  • 670 Franklin Street, Schenectady, NY 12305-2113

Wayne P. Smith

  • 157 Barrett St., Schenectady, NY 12305

Litz & Litz

  • 143 Clinton St., Schenectady, NY 12305

Lawyers At This Firm

Hanson Law Firm, P.C.

  • 1801 Altamont Ave., Schenectady, NY 12303

Grasso, Rodriguez & Grasso

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

Wemple & Daly

  • 508 Union St., Schenectady, NY 12305

Englert, Coffey & McHugh

  • 224 State St., Schenectady, NY 12305-1806

Lawyers At This Firm

Brian J. McCann

  • 858 Northumberland Dr., Schenectady, NY 12309

Delain Law Office, PLLC

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

Higgins, Roberts & Suprunowicz, PC

  • 1430 Balltown Road, Schenectady, NY 12309

Edward D. Vacca

  • 514 State St., Schenectady, NY 12305

Hoffman & Naviasky, PLLC

  • 1802 Eastern Parkway, Schenectady, NY 12309

Lawyers At This Firm
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Looking for Bankruptcy Lawyers in Schenectady?

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
95 %

63 Client Reviews

PEER REVIEWS
4.1

118 Peer Reviews

User Resources

Lawyer Resources

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.

When filing a Chapter 7 bankruptcy schedule J, if your monthly debt exceeds your monthly income, what happens?

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Answered by attorney Roger J Bus (Unclaimed Profile)
Bankruptcy lawyer at Debt Relief Law Center
Bankruptcy attorneys in a Chapter 7 case usually show that Schedule I (income) is equal to or lesser than Schedule J (ongoing living expenses). If your Schedule I is far greater than Schedule J, then the Court may believe you have "disposable income" and should be in Chapter 13.
Bankruptcy attorneys in a Chapter 7 case usually show that Schedule I (income) is equal to or lesser than Schedule J (ongoing living expenses). If your Schedule I is far greater than Schedule J, then the Court may believe you have "disposable income" and should be in Chapter 13.
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Can I keep state and federal tax refunds under chapter 13?

Jeffrey David Solomon
Answered by attorney Jeffrey David Solomon (Unclaimed Profile)
Bankruptcy lawyer at Law Office of Jeffrey Solomon
Chapter 13 bankruptcies last from 3-5 years. The issue of each year's tax refund depends on where you are located. Different chapter 13 trustees have different practices on how refunds received during the plan are treated. Sometimes the issue is just whether the refund is larger then the refund in the year prior to filing. This issue should be discussed with your local attorney.
Chapter 13 bankruptcies last from 3-5 years. The issue of each year's tax refund depends on where you are located. Different chapter 13 trustees have different practices on how refunds received during the plan are treated. Sometimes the issue is just whether the refund is larger then the refund in the year prior to filing. This issue should be discussed with your local attorney.
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Can you file chapter 13 after a chapter 7?

Stuart M. Nachbar
Answered by attorney Stuart M. Nachbar
Bankruptcy lawyer at Law Office of Stuart M. Nachbar, P.C.
IN NJ, you can file a C13 four years after the C7. Not before. You are saying it differently in your text, that it was a C13 first, which would also require at least four years, unless it is w/o discharge.
IN NJ, you can file a C13 four years after the C7. Not before. You are saying it differently in your text, that it was a C13 first, which would also require at least four years, unless it is w/o discharge.
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