Are you in debt and struggling to make ends meet?


If you are struggling financially you should know, you’re not alone. Many Americans are living paycheck to paycheck and having a hard time paying their bills. When your expenses exceed what you earn, debt can quickly pile up and become an overwhelming burden on your life.

When Debt Happens

When you find yourself in debt and already struggling to make ends meet, it can be difficult to find the money to pay your creditors.  At this point, a lot of people end up defaulting on their debts.  Before long, creditors start calling to collect.

Does this sound familiar?  If so, you may be in financial trouble.  Let us help you decide what to do.

A Financial DiagnosisFacing ForeclosureHow does a Repossession Work?

Should I file Bankruptcy?

The decision to file bankruptcy is a very personal one.  It is also a decision that will impact you and potentially your family, for years to come.  With that in mind, before you file for bankruptcy, it is important for you to understand your options.  You should also understand what life after bankruptcy will be like.  If you think you are ready, let us help you answer the question you may be asking; “should I file bankruptcy?”

Should I File?Telling the Truth

What are my options when it comes to bankruptcy and debt relief?

When it comes to filing bankruptcy, there are two options to consider. Before you decide which to pursue, we recommend you talk with an experienced bankruptcy attorney from our team. We will review your case and help determine which type of bankruptcy will work best for you under your circumstances.

In general, there are two solutions to consider:

Chapter 7 Bankruptcy Chapter 13 Bankruptcy
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What They Are Saying

“I am so very grateful to all of you who helped me in this Chapter 7 process. I will never forget your kindness, very hard work, and clear explanations.”

S.G.Buffalo, NY

This settlement will allow me to open my own business to support my family since I will not physically be able to continue my career as a roofer. And the large payment I receive when I reach 60 will fund my retirement.

Michael C.Buffalo, NY

Hiring an Attorney

Creditors and debt settlement companies want one thing; your money, even when you have none to give.  Creditors and debt collectors will go to extremes to not only recoup the funds you owe them, but also profit from your misfortune.  If you are getting harassing phone calls from collectors, we can make them leave you alone.

Unlike these companies, our goal is to help you get a fresh financial start without losing assets like your home, your car or other personal property.  If you are going through a rough time and need financial relief, contact us.  When we talk, be sure to tell us the complete truth about your financial circumstances.

Hire an AttorneyWhat is a 341 meeting?


We’ve worked with thousands of clients just like you. Many of the same questions come up from client to client. For your convenience, we’ve compiled a list of frequently asked questions that you can use as a resource if you are considering filing for bankruptcy. If you don’t find the answer to your question here, feel free to contact us.

Common Questions
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