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
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
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
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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