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The decision to file for bankruptcy can be a difficult one. One financial situation added onto another can create a crisis for any individual or family. Seeking the help of a debt relief lawyer, such as Robert A. Schwartz is the first step in finding a way to recover from even the most detrimental of financial situations.

Robert A. Schwartz of the Rochester, NY area is an experienced debt relief lawyer who offers bankruptcy assistance to those who need it. He discusses what needs to be done before his clients decide to file for bankruptcy, whether it is Chapter 7 or Chapter 13.

Before bankruptcy protection is filed, it is required for individuals to go through a credit counseling program through an organization that is approved by the government. This must be done within 180 days before filing. During the filing process, debtor education courses must be taken. In these classes, individuals learn how to better manage their money and create budgets for a lifestyle within their means.

Additionally, a credit counselor can help. Credit counselors sit down with individuals and help them decide if bankruptcy is right for them. Many individuals facing vehicle repossession, home foreclosure, or wage garnishment are able to find other ways of managing their situations instead of filing for bankruptcy.

Navigating the field of bankruptcy and debt relief may seem scary, but Robert A. Schwartz can help. Contact his firm today by calling (585) 334-4270 and making an appointment to discuss your bankruptcy filing requirements.

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