Guiding You Through Bankruptcy Options

I am bankruptcy lawyer Scott Ugell. For more than a quarter of a century, The Ugell Law Firm, P.C., has been helping citizens throughout the Greater Hudson Valley get out from under the crushing burden of personal debt and guiding people to the fresh financial beginnings they need.

Chapter 7 - Often Referred to as 'Liquidation Bankruptcy'

Chapter 7 bankruptcy is the type of bankruptcy most people think of when considering ways to get out from under the heavy burden of consumer debt.

A Chapter 7 bankruptcy proceeding is a process by which a Federal Bankruptcy Court Appointed Trustee reviews your petition to determine if you qualify to have your debts and some of your assets liquidated or current lease obligations terminated, if you so choose. What most people don't realize is that there are many thousands of dollars of exemptions (property you keep even after bankruptcy) available to a bankruptcy petitioner, which in most cases is more than sufficient to cover everything a typical U.S. family would need. For the typical family, the only thing that gets liquidated is a petitioner's debt.

Too Good to Be True? It's the Law.

Chapter 7 bankruptcy is a powerful tool which helps hundreds of thousands of people in each district of every state in the entire United States. Bankruptcy often becomes the best and only realistic method to get clear of creditors and juggling monthly payments between credit cards, car payments and your mortgage. By scheduling a consultation to discuss your debt problem now, rather than waiting to see if you can juggle payments one more month, you can save yourself time, money, and many a good night's rest.

Experience Makes a Difference in the Amount of Time and Cost This Will Require

You have probably been struggling with debt for many years. You can be free of collections calls overnight and free of your debt in a few months, if everything goes right. The best thing you can do for yourself is to hire an experienced attorney like Scott Ugell who will not stumble over roadblocks and unexpected turns in the road.

Under Chapter 7, you may be able to:

  • Keep your house and car
  • Get rid of credit card debt
  • Stop creditor collection calls immediately
  • Eliminate medical bills
  • Eliminate tax arrears after certain conditions have been met
  • Stop pending wage garnishments and lien actions
  • Eliminate loan debt
  • Modify your mortgage loan(s)

A note about student loans

Do not expect to eliminate student loan debt under Chapter 7 bankruptcy. You may incorporate student loan debt into a Chapter 13 petition to restructure your monthly payments under a supervised plan. I can help you with your Chapter 13 petition.

Let's Talk About What You Need to Do to Get Your Chapter 7 Done Right

Call my office in New City today and schedule a free appointment. I will give you a clear, realistic assessment of your debt problem. I will also be honest with you about the realities of petitioning for debt relief through the Chapter 7 process. It is a legal process that involves a judge, the courts, trustees and your creditors. You will be asked to be honest and forthcoming throughout every phase. In the end, We will work together to get you and your family through to the other side, free of debt and ready to move forward into a new financial freedom.

Chapter 13 Bankruptcy - Reorganizes Debts

A Chapter 13 Bankruptcy proceeding is a process by which your assets, income, expenses and debts are calculated and prioritized to create one monthly payment plan through the Bankruptcy Court.

Chapter 13 is an excellent way to lower or reorganize your monthly payments into an easy-to-pay supervised repayment plan. That means you can eliminate some debt, lower your interest rates on other debts and even remove second mortgages and judgment liens against your house. It is an excellent solution for people who do not qualify for Chapter 7 bankruptcy, or who are able to meet their debt obligations but need some breathing room because of cash flow or an unexpected short term debt obligation.

Experience Makes a Difference in the Amount of Time and Cost This Will Require

Before you juggle another monthly payment, it is worth your while to get straight answers about Chapter 13. Call me today.

Under Chapter 13, you will most likely be able to:

  • Keep your house and car
  • Strip off a second mortgage or judgment lien against your home
  • Modify your mortgage loan(s)
  • Consolidate your student loans into an affordable zero interest repayment plan
  • Eliminate your credit card debt
  • Stop bill collectors' calls immediately
  • Repay or eliminate your tax debt
  • Stop pending wage garnishments and lien actions (excluding court-ordered domestic support obligations such as child support or maintenance)

Get Your Chapter 13 Done Right the First Time

Call my office in New City today and schedule a free, no obligation debt consultation. We will sit down together to discuss your debt relief options. The criteria for petitioning the courts for Chapter 13 bankruptcy protection are not as stringent as Chapter 7. I will also be honest with you about the realities of what it means to be placed under a court-supervised payment plan. Chapter 13 is a legal process that involves a judge, the courts, trustees and your creditors. There are serious legal problems that can result if you are less than honest and forthcoming about the extent of your debt. We will work together to get you and your family ready to move forward towards newfound financial freedom.

Understanding Chapter 11 Bankruptcy - Commercial Debt Relief

Small business owners facing pressures from rising debt have the option of petitioning for protection from creditors under Chapter 11 of the U.S. Bankruptcy Code. Chapter 11 gives businesses the capacity to continue operations while their debts are reorganized into a structured repayment plan. Depending upon the corporate tax structure under which the business operates, investors, owners and managers may also be protected from personal liability for debts while the business is under the protection of the Court.

Chapter 11 Bankruptcy for High Net Worth Individuals and Estates

Individuals and family estates of high net worth in New York may also file for protection from creditors under Chapter 11 of the U.S. Bankruptcy Code. The provisions for the debt to income ratio to qualify are complex and require extensive knowledge of how the formula is applied. If you are considering filing for Chapter 11 because of a high debt ratio, call
The Scott Ugell Law Firm, P.C., in New City to arrange an initial consultation.

Competitive Fees · Flexible Appointments · Se Habla Español

I have been practicing in the area of U.S. bankruptcy law for more than 25 years. I back up my experience with unique credentials, including:

  • Member of the National Association of Consumer Bankruptcy Attorneys (NACBA)
  • Often requested by local governments to make seminar presentations about homeowners' rights and foreclosure protection
  • Participates with the National Association of Consumer Bankruptcy Attorneys (NACBA) to meet with U.S. Congressional Staff on matters related to U.S. bankruptcy code and foreclosure issues.
  • Professional articles and legal presentations on the issue of debt relief and bankruptcy law
  • Member of the Hudson Valley Bankruptcy Bar Association
  • Member of the New York State Bar Association
  • Member of the Rockland County Bar Association (Co-Chairman of the Bankruptcy Committee)
  • Member of the Rockland County Magistrates Association
  • Member of the Board of Hillel of Rockland Community College

From my offices in New City, New York, I represent families, consumers and small businesses, because that is who I am, and that is who I care about. I work to protect citizens in the Greater Hudson Valley area. To arrange an initial consultation with an experienced New City bankruptcy attorney who cares about resolving your legal problem, call 845-521-7841 or contact my office by e-mail today.

NOTICE: IF YOU HAVE ALREADY FILED BANKRUPTCY by yourself and you do not have an attorney, I strongly encourage you to contact my office immediately! The bankruptcy process is extremely complex, and your financial situation could be made far worse by an unsuccessful bankruptcy proceeding! Call my office and arrange a consultation today before it is too late.

If your Trustee is objecting to your discharge, or if you are currently facing dismissal (removal from bankruptcy court with no debt relief) you are at serious risk of your bankruptcy petition being denied (dismissed). Please call my office and have an experienced attorney help you today.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.