Helping Buffalo and Western New York Residents Overcome Financial Difficulties Since 1980
If you find yourself overwhelmed by debt, bankruptcy may be your best course of action. At the Law Offices of Randy H. Gugino, Attorney Gugino will fully assess your situation and determine the best solution for you and your family. We provide our clients with a comprehensive list of options. We know how debt can cause a tremendous amount of stress for you and your family. When you choose our law firm, we immediately begin working on your case and we will show the very best options available.
Dedicated To Helping Good People Through Bad Times
Buffalo Bankruptcy Lawyer Randy H. Gugino understands that if you are considering a bankruptcy, you probably have a lot of questions. This is why Attorney Gugino offers a free initial consultation to all new clients. Your free consultation can be over-the-phone or face-to-face, which ever works best for you. The first step in the process is to determine if you qualify for bankruptcy. Click here to fill out the Bankruptcy Qualification Form. Once we review the information you provide, we will contact you to set up your free consultation. During your consultation, Buffalo bankruptcy lawyer Randy H. Gugino will go over all of your bankruptcy options and answer any questions you may have. Click here to get started.
Types of Bankruptcy
When bankruptcy is your best option, we help you choose the right type of bankruptcy for your unique needs.
Buffalo Bankruptcy Attorney, Randy H. Gugino, provides comprehensive guidance to both families and businesses through the following forms of bankruptcy:
- Chapter 7: Personal Bankruptcy for the purpose of eliminating debt and protecting exempt assets such as your house, your car and your retirement plan
- Chapter 13: Personal and Business Bankruptcy designed to pay back your creditors on a percentage basis over a period of time. Most often times used to pay arears owed on a mortgage, home equity loan or car loan
Means Testing is set by the federal government, it determines what the median, or average, income is in a region for every household size, and is utilized to qualify an individual to file bankruptcy. Just because you may qualify under the means testing does not mean you should file a bankruptcy. Any decision to file a bankruptcy should be made only after consulting with a experienced bankruptcy attorney. Means Testing
Effective Bankruptcy Lawyer in Buffalo, NY
At the Law Offices of Randy H. Gugino, we realize that declaring bankruptcy can be daunting. We also understand that bankruptcy may be intertwined with other aspects of your life. Our full-service law firm provides you with experienced and trustworthy guidance on any issue related to bankruptcy, including:
- Bankruptcy during divorce: It is common for money problems to lead to divorce. While every divorce case is different, bankruptcy may alleviate stress and allow for a quicker settlement.
- Retirement and IRA protection: Individual retirement accounts, or IRAs, are protected by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. We will clarify the specific rules and regulations regarding how and when an IRA is protected.
Experienced and Responsive Bankruptcy Lawyer for Buffalo and Western New York residents
If you are experiencing financial stress, Mr. Gugino will help you understand all your options. Together we will find the best solution for you and your family. To schedule a free consultation with Buffalo bankruptcy lawyer Randy Gugino, contact us by phone at (716) 833-8455.