Buffalo Bankruptcy Lawyer
HELPING INDIVIDUALS AND FAMILIES FIND RELIEF FROM DEBT AND FINANCIAL HARDSHIP
– Our Bankruptcy Legal Services –
Chapter 7 Bankruptcy | Foreclosures | Protection of Assets | Chapter 11 Bankruptcy | Lawsuits | Garnishment of Wages | Chapter 13 Bankruptcy | Repossessions | Bankruptcy Alternatives
Home – Bankruptcy & Debt
If you’re overwhelmed by debt, dealing with creditor harassment, wage garnishment, or the threat of foreclosure, you don’t have to face it alone. At Gary J. Wojtan, Attorney at Law, we help individuals and families throughout Cheektowaga and Western New York find relief through proven solutions like Chapter 7 and Chapter 13 bankruptcy. Filing for bankruptcy can immediately stop collection calls, halt lawsuits, and give you breathing room to focus on rebuilding your financial future.
For more than 40 years, our office has been a trusted resource for people who need real answers to serious financial challenges. We know that every case is different, which is why we take the time to understand your specific situation and goals. Whether it’s discharging unsecured debt through Chapter 7 or reorganizing obligations in Chapter 13, we create a personalized legal strategy that prioritizes your stability, protects your assets, and sets you on the path to long-term financial security.
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Chapter 7 vs. Chapter 13 Bankruptcy
Determining the Right Bankruptcy Strategy for Your Financial Future
Navigating the federal Bankruptcy Code can be confusing, but the first critical step is understanding your options. We will thoroughly analyze your financial situation, including income, debts, and assets, to determine if Chapter 7 (Liquidation) or Chapter 13 (Reorganization) is the right path for you.
- Chapter 7 is often referred to as “fresh start” bankruptcy and is designed for individuals who pass the means test and need to quickly discharge most of their unsecured debt.
- Chapter 13, on the other hand, is a reorganization plan used to catch up on mortgage payments, address non-dischargeable debts, and keep valuable non-exempt property over a three- to five-year repayment period.
Our approach begins with a comprehensive, confidential review where we explain the specific benefits and requirements of each chapter. We’ll cover:
- Eligibility Requirements: Who qualifies for Chapter 7 under the means test, and when Chapter 13 is the better option.
- Asset Protection: How New York State exemptions work to protect your home equity, retirement accounts, and vehicles.
- Timeline and Costs: A transparent discussion of the legal process and associated fees, often structured to be affordable and manageable.
You deserve clarity and certainty. Choosing the wrong chapter can lead to complications, which is why working with an experienced Buffalo bankruptcy lawyer is non-negotiable.
Why Choose Our Bankruptcy Office in Cheektowaga
Gary J. Wojtan has practiced law in Buffalo for decades, giving him a deep understanding of the local courts, judges, and legal procedures. Unlike larger law firms that may treat you as just another case file, our office provides personalized representation and compassionate support tailored to your needs. We also offer full-service legal help, which means if your case overlaps with estate planning, real estate, criminal defense, or anything else, you’ll have one office that can handle it all.
Over 40+ Years of Legal Experience
Decades of trusted service in Buffalo and WNY, handling even the most complex legal matters.
Personalized Legal Attention
We provide client-focused strategies with the care and commitment you deserve.
Full-Service Legal Representation
From family law to estate planning and defense, we’re your one office for all legal needs.
Stop Creditor Harassment Immediately
Your Rights Under the Law: The Instant Protection You Receive Upon Filing
The moment your bankruptcy petition is officially filed with the court, the powerful Automatic Stay goes into effect. This is one of the most immediate and significant benefits of filing, and it provides instantaneous relief from the stress of overwhelming debt. The Automatic Stay is an injunction that legally compels all creditors to cease collection activities against you. This includes:
- No more harassing phone calls or letters demanding payment.
- Immediate halt to most lawsuits and pending legal actions.
- Stopping wage garnishments and bank account levies.
- Freezing foreclosure proceedings and vehicle repossessions.
Foreclosure and Repossession Defense
Protecting Your Home, Your Car, and Your Most Valuable Assets
Facing foreclosure on your home or the repossession of your primary vehicle is terrifying, but bankruptcy can be a powerful defense mechanism. In a Chapter 13 filing, the Automatic Stay immediately stops the foreclosure process, allowing us to implement a repayment plan that cures past-due mortgage amounts over time. This structured approach gives you the critical time needed to save your home and return to stable payments. Similarly, repossession of vehicles can often be reversed or the debt restructured to be more manageable.
Our local knowledge of the WNY bankruptcy court system and trustees is a distinct advantage. Let a dedicated Buffalo bankruptcy lawyer evaluate your property to ensure you maximize all available protections.
Frequently Asked Questions
Frequently Asked Questions About Bankruptcy in Buffalo
Have questions about your legal situation? Our office is here to help. If you don’t see your question answered here, call us directly at (716) 681-3355 to speak with an attorney today.
What does a bankruptcy attorney do for me?
How much does bankruptcy cost in Cheektowaga?
Will filing bankruptcy ruin my credit?
How often can I file bankruptcy?
Can I keep my home / car if I file bankruptcy?
What happens in the Meeting of Creditors (341 hearing)?
How long will the bankruptcy process take?
Will I lose all my assets?
Are student loans dischargeable?
Do I need a bankruptcy attorney, or can I do it myself?
RESOURCES
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