Harris-Courage, PLLC is a trusted bankruptcy attorney firm located in 31 S Main St, Oneonta, NY. Our experienced lawyers provide personalized guidance and representation to individuals and businesses facing financial difficulties. We offer a range of services, including Chapter 7 and Chapter 13 bankruptcy filings, debt consolidation, and credit counseling. Our goal is to help clients achieve a fresh financial start and regain control of their lives.
Questions & Answers
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 bankruptcy is a liquidation bankruptcy, where assets are sold to pay off creditors, and debts are discharged. Chapter 13 bankruptcy is a reorganization bankruptcy, where a repayment plan is created to pay off debts over time. Our experienced attorneys can help you determine which option is best for your situation.
How long does the bankruptcy process take?
The length of the bankruptcy process varies depending on the type of bankruptcy filed. Chapter 7 bankruptcy typically takes 4-6 months, while Chapter 13 bankruptcy can take 3-5 years. Our attorneys will guide you through the process and ensure it is completed as efficiently as possible.
Will bankruptcy affect my credit score?
Yes, bankruptcy will affect your credit score, but it can also provide a fresh start and allow you to rebuild your credit over time. Our attorneys can provide guidance on how to improve your credit score after bankruptcy.
Can I file for bankruptcy on my own?
While it is possible to file for bankruptcy on your own, it is highly recommended to work with an experienced attorney to ensure the process is completed correctly and efficiently. Our attorneys have the knowledge and expertise to navigate the complex bankruptcy laws and ensure the best possible outcome.
How much does it cost to file for bankruptcy?
The cost of filing for bankruptcy varies depending on the type of bankruptcy and the complexity of the case. Our attorneys will provide a free consultation to discuss your options and fees.
Summary 13820
Oneonta, NY is a city located in Otsego County, known for its natural beauty and outdoor recreational opportunities. If you’re facing financial difficulties in the 13820 area, Harris-Courage, PLLC is here to help. Our experienced bankruptcy attorneys provide personalized guidance and representation to individuals and businesses in the area.
Some benefits of living in the 13820 area include:
- Access to outdoor recreational activities such as hiking and fishing
- A thriving downtown area with shops and restaurants
- Close proximity to SUNY Oneonta and Hartwick College
