Bankruptcy

We do not represent the creditor. Our office files bankruptcies to help people who want to  stop wage garnishment and collection harassment, cancel out most debts, stop repossession and stop mortgage foreclosures. In most cases, bankruptcy will improve your credit rating. In addition, the filing of a Chapter 7 or Chapter 13 bankruptcy will stop a creditor from continuing almost all civil legal proceedings against the debtor. The most common types of civil legal proceedings or lawsuits are those brought on behalf of credit card lenders, hospitals, clinics, and mortgage companies. The filing of a Chapter 7 or Chapter 13 bankruptcy will not stop a criminal proceeding

Approximately one million people or businesses file bankruptcy annually.  Bankruptcy is a powerful tool to provide debt relief to those who need protection.  Bankruptcy allows people the opportunity to remove the stress of overbearing debt problems and to get a fresh start with their lives .

We're here to help

Bankruptcy plays an important role in society.  The federal government put in place the ability to file because people make mistakes, face tragedies in their lives and they often have little to no control about the actions of others.

Please call any of our numbers any time of the day or night. We will be happy to take your call or to call you back if you leave a message. We have offices available near you and we do not charge for an initial consultation.

Remember, this situation is not your fault but it can be fixed.

Call (716) 692-1480 or (585) 798-8800, or write to bankruptcy@falkandfalk.com for a telephone consultation or appointment.