When you can't pay your debts and are falling further behind because of late fees, filing for bankruptcy gives you a fresh start with regard to your finances. However, the law is incredibly complex, so to make sure you achieve the best possible outcome, turn to an experienced professional with a thorough understanding of the law.

Robert A. Schwartz, an attorney with more than 30 years' experience providing bankruptcy assistance to families throughout Rochester, NY, and Monroe County, lists a few of the reasons you should always hire a lawyer. A bankruptcy expert brings an extensive array of benefits, including:

• Helping Discharge All Of Your Eligible Debts: With his knowledge of the law, Robert A. Schwartz will make sure your bankruptcy includes as many of your debts as possible, some of which you could miss if you try to file on your own. Depending on the year, income taxes can even be discharged.
• Helping You Keep Your Property: In a Chapter 7 Bankruptcy, the trustee becomes the owner of anything you own which is not correctly claimed as exempt. If an asset is not correctly claimed as exempt, the Trustee will seize the property and sell it. The proceeds will be paid to your creditors. The exemptions are fairly generous, and an experienced Bankruptcy Lawyer should work diligently to help you keep all your possessions.
• Enforcing The Automatic Stay: When you file for bankruptcy, your creditors are supposed to immediately cease all collections action, including wage garnishment, bank account attachment, harassing letters, and repossessions. Robert A. Schwartz will make sure that this order is enforced, providing you with valuable peace of mind.

Many people are nervous about filing for bankruptcy, but having a skilled bankruptcy attorney on your side can make the process less stressful. Visit Robert A. Schwartz online to learn more, or just call (585) 334-4270 to schedule a consultation today.