Chapter 11 bankruptcy

Law Office of 
Charles E. Andersen

Chapter 7 is also know as straight bankruptcy if you don't want to repay any debt, chapter 7 is an option to consider
Chapter 7 is also called a fresh start bankrutpcy
The US Trustee is a participant in a chapter 7 Hon. John C. Ninfo chief US Bankruptcy Court Judge US Bankruptcy Court
Law firm

of Charles E. Andersen




















filing a chapter 7






 Relief under Chapter 11 of the US Bankruptcy Code  is available to any person (individual, corporation, or partnership) who qualifies to be a debtor under Chapter 7 , except for a stockbroker or a commodity broker.


In addition, railroads are eligible for relief under special provisions of Chapter 11 bankruptcy


2. Business or Consumer: .


 Chapter 11 is designed primarily for business reorganizations. However, the Supreme Court has held that a consumer debtor (i.e., an individual not engaged in business) also may qualify for relief under this chapter. Toibb v. Radloff, [S. Ct. 2197 (1991)]


Click here for Debtor in Possession

obtaining a chpater 7 discharge the bar date has passed arriving at the office
I hope he's in



sitting down to sign







Chapter 7&13

If you qualify



  • Creditor Harassment
  • Stop utility shutoffs
  • eliminate payments on unsecured debts.
  • Improve bad credit
  • Surrender car, and other secured collateral without incurring a "deficiency"

**For Chapter 13 cases with wage order and balance paid through a trustee as part of a partial re-payment plan and not paid directly to the attorney. Court filing fee is extra.

  • Emergency Petitions filed
  • Ask to see a statement of clients rights and responsibilities


Free Consultation

Reasonable rates



attorneys pen
Signing the court papers shaking hands leaving attorneys office

200 William St. STE 204A
Elmira, NY 14901
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receipt of filing automatic stay order for relief section 341 Notice
meeting fo the creditors court discharge order debt wipe out