Bankruptcy Attorneys in Buffalo

Bankruptcy is a court proceeding in which a judge and court trustee examine the assets and liabilities of individuals and businesses who can't pay their bills and decide whether to discharge those debts so they are no longer legally required to pay them.

Bankruptcy? We Can Help!

Are you considering filing for bankruptcy or dealing with another legal matter? The fact that you have come to this website shows that your situation feels out of your own control. This in itself is a sign that you need an experienced lawyer in Buffalo to help you through your issue. If you are dealing with substantial debt, you likely do not know what to do next and are faced with anxiety and calls from debt collectors.
At Smith & Messina LLP, our goal is to develop a personalized plan of attack for each client's situation. Our firm is all about finding real solutions for individuals in need of legal assistance. At Smith & Messina Law Offices, we also assist clients with real estate law matters such as mortgages and judgments to ensure their transaction is closed successfully.


There is hope to your financial situation. Do not be discouraged by your current debt, but instead, look to the future after bankruptcy. When we represent debtors, we listen to them and formulate a game plan. Our firm's goal is to provide information on all possible solutions available so our clients know which route to pursue. We want you to trust in the debt relief solutions available and the representation we offer. Contact us today to get started!

If you have found yourself wondering whether you need an attorney, the answer is most likely, "yes." Whether you are faced with a lawsuit or harassment from your creditor, you should not hesitate to seek immediate financial relief. Our firm can help you if your finances seem unmanageable and you are unable to pay your bills. If you are faced with a lawsuit and do not know how to respond, you will need a knowledgeable lawyer by your side. The primary mistakes people make when facing debt are:
1: Ignoring financial problems
2: Trusting creditors
3: Not asking questions.
The longer you wait to resolve your financial situation, the more difficult it will become. Also, keep in mind that creditors are equipped with the legal tools necessary to win the lawsuit. If you are unguarded when you handle your debt issue, the results could be damaging. At Smith & Messina, we can talk through your financial issue with you to determine the appropriate solution.

Since 2004, our firm has personally handled cases in New York. Our legal team can help you determine if bankruptcy is right for you and which track to pursue to receive financial freedom. We can help you determine whether a Chapter 7 or Chapter 13 bankruptcy is most appropriate for your situation and how you can receive the debt relief you need.
As you navigate the bankruptcy process, you can trust in our firm to guide you. If you choose to work with our firm, you will receive personal assistance from an attorney - not a paralegal. Our Buffalo bankruptcy attorney personally reviews each file and interacts directly with the client. One of our most significant traits as a law firm is our willingness to listen to our clients. We will sit down with you to discuss your personal objectives at this time and then go to work to want to fervently pursue the determined objective.

We offer aggressive representation to protect the rights of our clients. Our lawyer has been licensed to practice by:
The Bar Association of Erie County
The New York Bar
The United States District Court Western District of New York
The United States Bankruptcy Court Western District of New York
In addition, our attorneys were selected for inclusion in the Super Lawyers® for Upstate New York. We use our credentials to defend clients against creditor harassment and collection lawsuits as they correspond to the Fair Debt Collection Practices Act. Do not hesitate to get the help you need by scheduling a meeting with our attorneys today!

Have Questions About Where To Begin?

If so, click to call our law firm today, and request a free consultation with one of our professional bankruptcy attorneys!

Bankruptcy Services

buffalo ny bankruptcy law firm

Bankruptcy

For many individuals, filing for bankruptcy is a means to stop creditor harassment and obtain a chance to resolve their financial situation.

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Alternatives to Bankruptcy

For some, it may be difficult to fully comprehend the psychology of debt and how it can have power over virtually every aspect of a person's life until they live it.

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Bankruptcy Process

Prior to filing for Chapter 7 or Chapter 13 bankruptcy, you will need to complete a credit counseling course from a U.S. Trustee approved agency.

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Is Bankruptcy Right For You?

When you are determining whether or not bankruptcy is right for you, it is important to ensure that you know all of your options.

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Chapter 7

If you file for bankruptcy under Chapter 7 of the United States Bankruptcy Code, you can have all of your unsecured debts discharged.

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Chapter 13

Has your debt become out of control? When you find yourself far behind on payments, filing for Chapter 13 may be the best resolution.

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Creditor Harassment

Many laws are set in place to protect individuals from the unlawful and harassing actions often displayed by debt collectors.

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Debt Litigation

Everyone is likely familiar with the feeling of failing to make a credit card payment or pay a medical bill on time.

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Debt Relief

As you seek to relieve financial strain from your current debt issue, we encourage you to obtain a case assessment from our firm.

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Collection Lawsuit Defense

If you are facing financial issues that have subsequently turned into a debt collection lawsuit, do not panic.

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Repossession

One of the most frightening aspects of going into debt, defaulting on a loan, or filing for bankruptcy is the threat of repossession.

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FDCPA

The Fair Debt Collection Practices Act (FDCPA) was established to protect debtors as they seek a debt relief solution.

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Debt Settlement

At Smith & Messina LLP, we understand your options and can help you fight against debt collection agencies.

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Wage Garnishment

Wage garnishment is one of the most harmful tactics taken to collect on overdue payments.

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Bankruptcy Myths

Common Myths about Bankruptcy - get the truth about what bankruptcy is and is not.

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The Means Test

The means test is a process through which you can determine whether you are eligible to file for Chapter 7 bankruptcy.

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Bankruptcy Exemptions

If you are worried about losing valuable assets in bankruptcy, this is a common concern.

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Bankruptcy FAQ's

Answers to some of the most asked questions concerning bankruptcy.

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