When you're filing for bankruptcy, having an experienced attorney represent you is necessary insure that all debt subject to discharge is eliminated and to further insure that you are able to retain all the assets the law allows you to keep. Robert A. Schwartz is a Bankruptcy Lawyer who has represented  residents of  Rochester, Henrietta,  as well as the surrounding counties of Monroe, Livingston, and Ontario for over 35 years. He's experienced in everything from filing Chapter 7 and Chapter 13 Bankruptcy to stop creditor harassment and foreclosure to helping clients find alternatives to bankruptcy. Today, Attorney Schwartz is here with a few of the reasons you should seek professional bankruptcy assistance.

Knowledge of Applicable Laws: There are two primary types of Bankruptcy available to individuals.  The type best suited to you will be determined based on your assets, liabilities, income, and expenses.  If your income is above a certain level, a Chapter 13 payment plan may be required.  Also, if you are filing Bankruptcy to stop foreclosure and retain your home, Chapter 13 can be utilized to pay back mortgage arrears.  Drawing on his extensive experience, Robert A. Schwartz will be able to select the best option for your unique situation.

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• Help Getting The Most Out of Filing: One of the first things your attorney will do is identify all of your debts and assets, so as much of your credit card debt and other bills as possible are discharged. Attorney Schwartz will review your situation and ensure that your bankruptcy includes as much of your debt as possible.
• Effective Automatic Stay: Bankruptcy includes an automatic stay, which requires creditors to immediately stop all collections efforts, including wage garnishment and vehicle repossession. Occasionally, creditors will ignore this order, which is when Robert A. Schwartz will step in and make sure it's enforced.

Visit Robert A. Schwartz online to learn more about how he can help you get a fresh financial start, or just call (585) 334-4270 to schedule a consultation.