Syracuse Bankruptcy Lawyer 
 Bankruptcy Attorney  Lindy Madill, Esq. 315-445-0195 Utica Binghamton Watertown Norwich

Bankruptcy Lawyer Lindy Madill  
Madill Law Office, P.C.

499 S. Warren Street Suite 701
Syracuse NY 13202  

I will contact you as soon as I receive your information.

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Madill Law Office, P.C.
Lindy Madill, Esq., bankruptcy lawyer
499 W. Warren Street Suite 701 Syracuse NY 13202  

315-445-0195 office 

315-410-5310 fax

see my listing at

Service clients in Syracuse, Oswego, Watertown, Cortland, Binghamton, Norwich, Oneida, Utica

What Can a Chapter 7 or Chapter 13 Bankruptcy Do for Me? 

Chapter 7 or Chapter 13 Bankruptcy may

1.  Eliminate the legal obligation to pay most or all of your debts.  This is called a “discharge” of debts.  It is designed to give you a fresh financial start. 

2. Stop foreclosure on your house or mobile home and allow you an opportunity to catch up on missed payments.  (Bankruptcy does not, however, automatically eliminate mortgages and other liens on your property without payment.) 

3. Prevent repossession of a car or other property, or force the creditor to return property even after it has been repossessed. 

4. Stop wage garnishment, debt collection harassment, and similar creditor actions to collect a debt. 

5. Restore or prevent termination of utility service. 

6.  Allow you to challenge the claims of creditors who have committed fraud or who are otherwise trying to collect more than you really owe. 

What Chapter 7 or Chapter 13 Bankruptcy Can Not Do 

Bankruptcy can not, however, cure every financial problem.  Nor is it the right step for every individual. 

2.  Bankruptcy cannot eliminate certain rights of “secured” creditors.  A “secured” creditor has taken a mortgage or other lien on property as collateral for the loan.  Common examples are car loans and home mortgages.  You can force secured creditors to take payments over time in the bankruptcy process and bankruptcy can eliminate your obligation to pay any additional money if your property is taken.  Nevertheless, you generally can not keep the collateral unless you continue to pay the debt. 

3. Bankruptcy cannot discharge types of debts singled out by the bankruptcy law for special treatment, such as child support, alimony, certain other debts related to divorce, most student loans, court restitution orders, criminal fines, and some taxes. 

4. Bankruptcy cannot protect cosigners on your debts.  When a relative or friend has co-signed a loan, and the consumer discharges the loan in bankruptcy, the cosigner may still have to repay all or part of the loan. 

5. Bankruptcy cannot discharge debts that arise after bankruptcy has been filed.

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Bankruptcy Lawyer Lindy Madill, Esq. of the Madill Law Office, P.C. focuses on Chapter 7 bankruptcy & Chapter 13 bankruptcy filings. 
I currently practice in the Northern District of New York in the Syracuse, Binghamton, and Utica Bankruptcy Courts.
Call the bankruptcy lawyers at the Madill Law Office to help stop creditor harassment, lawsuits, garnishments, foreclosure.  I can help you get the debt relief you need.


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