Hudson Valley Bankruptcy Attorney

Choose Seasoned and Insightful Legal Counsel

Second chances are not often offered in the day-to-day lives of most individuals. For consumers who are facing financial stress from overwhelming debt, however, a second chance is available. Under United States law, debtors can wipe away a large portion of their debt by filing for bankruptcy.

If you are overwhelmed by debt, you can learn about the options available to you by speaking with our proficient team at Michael R. Varble & Associates, P.C. With proven legal experience, we have a precise and extensive working knowledge of the court system. Our Hudson Valley bankruptcy lawyers understand the needs of our clients and their best options. Our efficient and savvy law firm can address your needs and help you effectively resolve your pressing debt concerns.

Understanding the Bankruptcy Process in New York

Based on the 2005 Bankruptcy Act, all debtors wishing to file for bankruptcy must complete credit counseling within six months. They must also complete a financial management instructional course after filing for Chapter 13 or Chapter 7 bankruptcy. If you are unsure of which chapter to file under, we can discuss the differences between Chapter 13 and Chapter 7 with you.

After determining which chapter to file under, your Hudson Valley bankruptcy attorney can help you understand what documents need to be collected and filed. Whatever the circumstances, our practiced legal team can help you navigate each step of this process. Throughout New York State, including Orange County and Sullivan County, we help clients with bankruptcy cases to protect their homes, bank accounts, and financial futures.

Under Chapter 7 bankruptcy, many of your debts will be discharged. Filing under Chapter 7 can also void any judgment determining personal liability on a debt and prohibit creditors from taking actions to collect your debt. Chapter 7 bankruptcy cannot, however, prevent creditors from repossessing property if the related debt is secured by a lien. If you choose to file for Chapter 13 bankruptcy, you get to keep most of your property while paying back your debt over the course of three to five years. The potential downside of Chapter 13 bankruptcy compared with Chapter 7 is that you still have to pay back a certain amount of your debts prior to having them discharged.

Knowledge and experience are two strong characteristics that you should expect to have in the bankruptcy lawyer who represents you. Our Hudson Valley attorneys possess both of these attributes. We have the awards and educational backgrounds to back up the claims we make. Attorney Michael R. Varble, graduated cum laude from New York Law School and was a member of the NYLS Journal of International and Comparative Law.

Tough Representation from Michael R. Varble & Associates, P.C.

At Michael R. Varble & Associates, P.C. our unrelenting lawyers fight hard for our clients. We work hard at all times of the day to ensure that our clients receive every opportunity of having their debt discharged. We understand that each of our clients' cases is unique and will demand a personalized approach. If bankruptcy is not for you, we can discuss debt relief alternatives that may be better suited to your situation.

Our compelling and accomplished representation has proven to pay off throughout the years with many strong case outcomes. As you navigate this distressing and seemingly hopeless situation, our team members can be the legal counsel you need. Do not hesitate to take action today by scheduling a free case evaluation with our firm.

If you choose to be represented by our firm through your bankruptcy, you will not be on your own during any part of this legal battle. Unlike many lawyers, you can expect to hear from us on a regular basis as we keep you updated and send you copies of important documents pertaining to your case. Throughout each stage of your case, we can ensure that you understand your rights as a debtor and the defense options available to you. If you are in collections or foreclosure, we can discuss the defense techniques that can be taken to protect your rights and property.

How Our Firm Can Help You

Bankruptcy is not an easy legal option to choose. It is a decision that must be made in an educated manner. Don't risk your financial future by trusting your case to an unskilled or inexperienced bankruptcy attorney.

When you choose Michael R. Varble & Associates, P.C., you will be working with an informed firm that knows the answers. We can debunk some of the many bankruptcy myths that have clouded debtors' opinions of this process. In addition, we can answer your questions and help you every step of the way. Whatever your case involves, you can have confidence in the law firm you have chosen to represent you.

Bankruptcy is a powerful tool when used effectively. It is a debt-relief resource for individuals, married couples, and businesses. Although it is a strong legal remedy, it does stay on your credit report for 10 years. Bankruptcy is not always a private matter because your credit history can be included in background checks. Because of this fact, you must have the guided attention of a lawyer from our firm to ensure that you are prepared to take on this challenge.

If bankruptcy is the best option for your personal financial struggle, you can benefit from the time and attention that our accomplished firm offers. We want you to know what you can expect and we can be there for you throughout this process. If you are struggling through a bankruptcy case in Hudson Valley, contact our firm at your earliest convenience.

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Get Over a Century of Experience on Your Side

Our attorneys have handled cases in more than half of the counties in the state. Contact us today to see how we can help you!

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Hudson Valley Lawyer

Poughkeepsie Address:

Michael R. Varble & Associates, P.C.
Hudson Valley Lawyer
40 Garden Street,
Suite 301,

Poughkeepsie, NY 12601
Local Phone: 845.363.6500

The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.