At Simonetta and Associates, P.C., our primary concern is to help the people of Syracuse, NY and the surrounding area release themselves from overwhelming debt by filing for bankruptcy. It is important to us that people understand the various types of bankruptcies.

Chapter 7: Primarily a consumer or commercial bankruptcy, Chapter 7 bankruptcy allows filers to keep their home and property while wiping away their debts. Chapter 7 is designed to help people eliminate as many debts as possible. Filing a Chapter 7 Bankruptcy automatically halts all creditor harassment, including court actions and foreclosures.

Chapter 13: Providing debt consolidation for individuals and consumers, Chapter 13 bankruptcies allow filers to catch up on past due house payments and consolidate bills. Chapter 13 bankruptcies can give a fresh start to individuals who have barely enough income to cover their debts and still pay basic expenses.

Most likely, those who think they might need a Chapter 11 bankruptcy actually need a Chapter 13 or Chapter 7 bankruptcy. Our bankruptcy attorneys listen closely to our clients’ financial situation and then structure a bankruptcy plan to best fit their needs. If bankruptcy is not in a client’s best interest, our lawyers can refer clients to legitimate credit counseling agencies. There are many so-called credit counseling companies that are little more than well-structured scams; our firm’s bankruptcy lawyers know which ones can truly help our clients and which cannot.

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Our bankruptcy lawyers can also help with the many legal issues that often accompany bankruptcy. Because of our attorneys’ experience in bankruptcy law, they have the filing process down to a science, and can thus afford to charge lower rates than most other New York bankruptcy attorneys and initial consultations are always free. Payment plans are available.

We serve the New York communities of Syracuse, Cortland, Ithaca, Oswego, Watertown, Auburn, Cazenovia and all of central New York including the counties of Cayuga, Cortland, Madison, Oneida, Onondaga and Oswego and surrounding counties. Mr. Simonetta is also admitted to practice in Washington D.C. and Florida.