Bankruptcy is a complex process that involves a great deal of legal paperwork, timelines, and coordination with the case trustee, court, and creditors. Attempting to file without the benefit of an experienced bankruptcy attorney could result in costly delays and errors. Fairbanks Fletcher Law PLLC is a full-service bankruptcy law firm serving individuals and business clients throughout upstate New York. We are compassionate and committed to helping you find relief from debt. If you are one of the millions of people who are struggling with the pressure of unpaid debt, now is your opportunity to work with a law firm that is skilled in helping you obtain a fresh start.

The Bankruptcy Code is divided into chapters. The chapters that usually apply to consumers are Chapter 7, where most or all of your debt is discharged, and Chapter 13, which involves a repayment plan. Businesses typically file for Chapter 11 or Chapter 7. In most cases, once you file your case, the “Automatic Stay” immediately goes into effect. The Automatic Stay means that a bankruptcy filing automatically stops, or stays, most lawsuits, repossessions, foreclosures, evictions, garnishments, attachments, utility shut-offs, and debt collection harassment. Generally, creditors cannot take any further action against you or your property without permission from the Bankruptcy Court.

Debt-related stress is unpleasant, and the problems typically will not resolve themselves. Depending on your individual circumstances, we may be able to help you eliminate:

• Creditor harassment

• Wage garnishments

• Mortgage foreclosure and late payments

• Auto arrears and repossession

• Lawsuits

• IRS and state taxes

• School and property taxes

• Credit card debt

• Medical bills

• Student loans

For individuals and businesses struggling with unpaid debt, bankruptcy can afford much-need relief. Whether you are experiencing trouble paying taxes, a mortgage, car loan, credit card or other debt, Fairbanks Fletcher Law PLLC can assist you in obtaining a fresh start or crafting a plan to stabilize your economic situation.

If you need a bankruptcy attorney in upstate New York, schedule your free phone consultation today to learn about obtaining a fresh start.