Fast Affordable Debt Relief
For too many years, banks and other wealthy lenders have spent millions of dollars to convince us that there is something ‘shameful’ or ‘disastrous’ about filing for protection against your creditors, while at the same time the banks have received billions of dollars from the federal government to ‘bail them’ our of their debt. The truth is, there is NOTHING shameful or disastrous about filing bankruptcy. Bankruptcy laws were created to help everyday people like you and I to eliminate debt we no longer can handle and obtain a fresh start! Give our Office a call today to find out just how easy and inexpensively we can help you get rid of your debt.
Chapter 7 bankruptcy
Chapter 7 bankruptcy is the most common form of bankruptcy in the United States. If you are looking to clear your debt, this is almost like starting anew. Certain exemptions may allow you to retain some or all of your property. There are some debts though, that maybe exempt from elimination like child support payments, student loans, property taxes, or income taxes less than three years old.
Chapter 13 bankruptcy
Chapter 13 bankruptcy, creates a debt repayment plan that lasts three to five years. This allows the debtor to maintain control of nonexempt assets while reorganizing and paying off debt. This option is particularly effective at stopping home foreclosures and automobile repossessions.
Call Our Buffalo Defense Lawyers
Do you or a loved one need help with debt elimination in WNY? Contact the experienced Buffalo Debt Elimination lawyer at the law offices of Nicholas W. Hicks to defend your rights.
For more information on the Federal Governments Bankruptcy Guidelines