3 Common Bankruptcy Questions
Personalized Bankruptcy Solutions in Buffalo, NY
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Experienced Bankruptcy Attorney in Buffalo, NY Helping Western New York Residents overcome financial difficulties since 1980
If you find yourself overwhelmed by debt, bankruptcy may be your best course of action. At the Law Offices of Randy H. Gugino, attorney Randy Gugino will fully assess your situation and determine the best solution for you and your family. We provide our clients with a comprehensive list of options. We know how debt can cause a tremendous amount of stress for you and your family. When you choose our law firm, we immediately begin working on your case and we will show the very best options available.
Types of Bankruptcy
When bankruptcy is your best option, we help you choose the right type of bankruptcy for your unique needs.
Randy H. Gugino is an experienced bankruptcy attorney in Buffalo, NY providing comprehensive guidance to both families and businesses through the following forms of bankruptcy:
Chapter 7: Personal Bankruptcy for the purpose of eliminating debt and protecting exempt assets such as your house, your car and your retirement plan
Chapter 13: Personal and Business Bankruptcy designed to pay back your creditors on a percentage basis over a period of time. Most often times used to pay arears owed on a mortgage, home equity loan or car loan
Means Testing
Means Testing is set by the federal government, it determines what the median, or average, income is in a region for every household size, and is utilized to qualify an individual to file bankruptcy. Just because you may qualify under the means testing does not mean you should file a bankruptcy. Any decision to file a bankruptcy should be made only after consulting with a experienced bankruptcy attorney. Means Testing
Bankruptcy Attorney in Buffalo, NY Providing Effective Bankruptcy and Debt Relief Solutions
At the Law Offices of Randy H. Gugino, we realize that declaring bankruptcy can be daunting. We also understand that bankruptcy may be intertwined with other aspects of your life. Our full-service law firm provides you with experienced and trustworthy guidance on any issue related to bankruptcy, including:
Bankruptcy during divorce: It is common for money problems to lead to divorce. While every divorce case is different, bankruptcy may alleviate stress and allow for a quicker settlement.
Retirement and IRA protection: Individual retirement accounts, or IRAs, are protected by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. We will clarify the specific rules and regulations regarding how and when an IRA is protected.
Experienced and Responsive Bankruptcy Attorney for Buffalo and Western New York Residents
“Thank you so much for the time and free legal advice you gave me in my bankruptcy case. I am indebted to you for this victory for the “common man.” – Gene, Getzville
“I wish to extend my sincere appreciation for a job well done and the professional way you handled my bankruptcy case. This was a rough time for my family, but you and your firm put us at ease.” – Claire, Lancaster