Chapter 7 Bankruptcy

Offering debt relief solutions to Buffalo, NY

If you're facing wage garnishment or you want to stop foreclosure in Buffalo, NY, Wendy J. Christophersen is the bankruptcy attorney for you. Ask about Chapter 7 bankruptcy can help provide you with debt relief!

Chapter 7 bankruptcy is also known as "straight bankruptcy" or "liquidation bankruptcy." In most cases, you are allowed to keep your home, your car and most of your personal belongings. These items are specifically protected by your "exemptions" under state law and the bankruptcy code.  If you need debt relief, then make sure you rely on our bankruptcy attorney for help if you want to stop foreclosure!
Exempt property typically includes the following:
  • Primary motor vehicle, up to a certain value 
  • Necessary clothing, household goods/appliances, and furnishings
  • Jewelry, up to a certain value
  • Pensions
  • Benefits: Social Security, welfare, unemployment
  • Equity in your home
  • Pension, IRA, 401(k) and other retirement savings
  • Cash and bank accounts up to a certain value
Chapter 7 Bankruptcy Buffalo, NY

Why Choose Wendy J. Christophersen

Attorney Wendy Christophersen has more than 15 years of experience handling bankruptcy cases (including Chapter 7 bankruptcy). Since being admitted to practice as a bankruptcy lawyer in 1999, Wendy has worked on hundreds of bankruptcy cases in the Western New York area. Before starting her own practice in Buffalo, Wendy worked as an associate for two leading bankruptcy firms. She is a dedicated professional who strives to help her clients with debt relief, and works with them every step of the way.  If your debt is piling up and you need help today, call The Law Office of Wendy J. Christophersen and speak to our bankruptcy attorney today.

Keep in mind this is a generalized list, and each state has its own set of exemptions. Most people keep all or most of their property, unless they have assets with significant equity that are not exempt by law. Wendy Christophersen will fully explain the bankruptcy laws to you and answer all of your questions about Chapter 7 bankruptcy.

Reasons to File for Chapter 7 Bankruptcy (if you qualify):

In order to qualify for Chapter 7 Bankruptcy, you must have little to no disposable income, and your average monthly income for the six months before your bankruptcy must be lower than the median income of similar households in your state. If you are in the greater Buffalo area and want to know if you qualify for Chapter 7, get in touch with our team today! 

Below are a few reasons why Chapter 7 may be a beneficial option for you.
  • Stop harassing phone calls from creditors.
  • Erase credit card debt, medical bills, personal loans, and deficiency balances on repossessed or surrendered vehicles.
  • Help improve your credit score.
  • Obtain a fresh start.
  • Stop wage garnishments and bank account restraints.

Call (716) 249-2755 if you have any questions or concerns or
to schedule a free consultation with Wendy J. Christophersen. 
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