When overwhelming debts become impossible to repay, bankruptcy can be a step towards financial health. Individuals, married couples, as well as businesses can use bankruptcy to halt home foreclosures, wage garnishment, pending lawsuits and creditor harassment.

Parties filing bankruptcy are allowed to file on their own (pro se) or through an Attorney.  Fortunately most parties are represented by an Attorney.  Those who choose to file for bankruptcy themselves, risk making costly mistakes which can lead to long term consequences. Attorney Robert A. Schwartz in Rochester, NY offers four key reasons why bankruptcy is best handled by a professional:

• Experience: There’s a time and a place for DIY, but filing bankruptcy isn’t it. When the stakes are high, and your future is on the line, it just makes sense to turn to a professional. Attorney Schwartz has been serving his clients for over 30 years. He brings his depth of knowledge to the table for every bankruptcy case.

• Insight: Even seemingly simple bankruptcy filings can contain traps for the unwary or uninformed.  Do you know the difference between Chapter 13 and Chapter 7 and when one or the other might be either required or preferred?  Do you understand that all property in which you have a current or even possibly a future interest constitutes your "Bankruptcy Estate" and that if you do not properly list all your assets and correctly claim property as exempt, that you will lose the property?  Do you understand how the means test applies to your income? An experienced lawyer will know the answers to these and many other questions and will be able to ask you the questions you may not even consider.
• Research: Those filing for bankruptcy without the support of a lawyer must be familiar with all of the federal rules and procedures, including the United States Bankruptcy Code and any pertaining to their local state and specific situation. Ignorance of the law will not be regarded as an excuse and Parties representing themselves will be held to same standards as an Attorney.
• Support: Choosing a bankruptcy attorney is more than just insuring that your case is correctly handled so you receive the desired result. An Attorney should be a source of support, and their representation should give you peace of mind knowing that you can begin to move towards a more financially stable future.

Attorney Robert A. Schwartz has helped many clients just like you obtain the fresh start the Bankruptcy law makes possible. Call (585) 334-4270 today or visit his website to learn more about your options.