When you're unable to pay your credit card debt or other unsecured accounts, catching up can seem impossible. Late charges, over the limit fees, and interest multiply the frustration. The constant phone calls and threats from debt collectors cause stress which can impact every aspect of your life.  Attorney  Robert A. Schwartz can help relieve this stress. An experienced bankruptcy attorney, he has helped thousands of individuals and families in Rochester and the surrounding areas find the debt relief solutions they need with reliable, responsive service that is personalized to their needs.

Depending on the specifics of your situation, New York Attorney Robert A. Schwartz will help you determine the best debt relief solution for you. If bankruptcy is the best path, he can provide you with excellent bankruptcy assistance. He'll guide you through the process of filing for Chapter 7 bankruptcy, which can completely eliminate all of your unsecured debt including credit card debt. If you are facing foreclosure because you are behind in your mortgage or property tax payments Chapter 13 is an option.  Chapter 13 will allow you to pay the mortgage or property tax arrears through a payment plan so long as you also keep your future payments current.  Chapter 13 can also be used to pay income tax arrears.  Depending on their age, some income taxes can be discharged as unsecured debt.  If your wages are being garnished, both Chapter 7 and 13 will immediately stop those deductions.  Mr. Schwartz can help you eliminate as much of your debt as is possible 

If your debts are overwhelming as a result of job loss, divorce, illness, death, disability, or any other reason, Robert A. Schwartz will help you get a fresh financial start He prides himself on providing individualized attention and legal solutions tailored to meet the unique needs of each of his clients. With over 30 years of experience, he has the tools and knowledge to best represent you.

If you feel encumbered by credit card or other debt you can't pay, Robert A. Schwartz can provide you with bankruptcy assistance. View his website or call (585) 334-4270 to schedule a consultation today.