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The Elmira
Bankruptcy Center,
of Charles Andersen, with 20 years of experience in
bankruptcy law, provides debt related legal
services. A "debt" is defined as that which is owed, but
the term can cover other obligations.
Our services
are available in the following locations in the Twin
Tiers: Elmira, Horseheads, Elmira Heights, Watkins Glen,
Big Flats, Beaver Dam, Montour Falls, Odessa, Alpine,
Cayuta, Smartwood, Erin, Southport, Wellsburg, Chemung,
Waverly, Lockwood, Van Etten, Woodhull, Addison,
Rathbone, Gang Mills, Painted Post, Savona,
Hammondsport, Avoca, Reading Center, Tyrone, Rock
Stream, Corning, South Corning, Lindley, and
Pine Valley.
Cases we handle:
CHAPTER 13—INDIVIDUAL WITH
REGULAR INCOME Chapter 13 is
designed for an individual debtor, including a debtor
engaged in business, who has a regular source of income
and who desires a debt reduction pursuant to a payment plan, which she has the exclusive
right to propose.
When should you file a
Chapter
13 Bankruptcy?
- Chapter
13 is used to stop
foreclosure
by a mortgage holder or by the county treasurer for
back property taxes
- Chapter
13 is used by people who's income is above or near
to the median based on household size and location,
to pay back a
percentage
of their debt.
- Chapter
13 is used by people who need to file a bankruptcy
but are concerned about their credit.
- Chapter
13 is used by people who have
non-exempt personal
property that they wish to keep.
- Chapter
13 can be used by anyone, even those receiving only
social security income, who desire to
pay their
debts according to ability to pay.
- People
who wish to take advantage of the
"cram down" provisions of Chapter 13 and
bifurcate
claims on secured collateral.
- Others
have co-signed on loans or credit cards.
-
Overspending and over-extension of credit.
cases we handle:
CHAPTER
7—DEBT WIPE OUT
In a Chapter 7
case, the trustee collects any substantial "non-exempt"
and "unsecured" asset,
reduces it to cash, and pays claimants in a prescribed
order. There are some key things to consider in dealing
with this issue:
When you should file a
Chapter
7 Bankruptcy:
- Your
household income is below the median for household
size and the county that you live in, and you have
ordinary and reasonable household expenses
that
utilize most of your left over income
without unsecured debt repayment.
- You are
an honest and needy debtor in need of a
fresh start.
- You are
current with secured debt such as house and car.
-
Most of your
assets are exempt, given consideration to your
attorneys scheme to maximize your exemptions.
cases we handle:
CAR
ACCIDENT and Personal Injury
If you have a
case in any of the following areas of New York, a
lawyer from the Elmira Bankruptcy Center
can Maximize your right
to recover money damages. We have the necessary
skills in
trial law,
litigation,
civil practice pleading,
requested points for charge to the jury,
negotiation,
and building a case through
discovery and retained
expert witnesses.
Serving:
Elmira, Horseheads, Elmira Heights, Watkins Glen, Big
Flats, Beaver Dam, Montour Falls, Odessa, Alpine, Cayuta,
Smartwood, Erin, Southport, Wellsburg, Chemung, Waverly,
Lockwood, Van Etten, Woodhull, Addison, Rathbone, Gang
Mills, Painted Post, Savona, Hammondsport, Avoca,
Reading Center, Tyrone, Rock Stream, Corning,
South Corning, Lindley, and Pine Valley.
Personal injury
areas of practice:
Medical Malpractice, Wrongful Death,
Construction
Accidents, Defective Products, Workers Compensation, Vioxx, Bextra, Automobile Accidents, Legal Malpractice,
Bankruptcy, Business Law,
Divorce, Family Law,
Elder Law, Nursing Home Abuse, Real Estate, Estate
Planning, Wills, Trusts, Injury Law, General Law,
Property Damage, Negligence,
Misconduct, Vehicular Accidents, Pharmaceutical Liability, Civil
Litigation, Consumer Fraud, Birth Defects, Toxic Torts,
Dog Bites, Misdiagnosis, Medical Negligence. |