Rebuild Your Future Without Debt

What Is Chapter 7 Bankruptcy?

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Chapter 7 bankruptcy is often called “straight bankruptcy” and it is the simplest and most common type of bankruptcy for individuals.  This is often the most effective debt relief solution for individuals and families who earn lower incomes and have little to no equity in their valuable assets.  Chapter 7 bankruptcy is not a cure-all, nor does it involve the creation of a payment plan.  Most people who file for Chapter 7 bankruptcy do not lose any assets.  Not everyone is eligible for Chapter 7 bankruptcy; an income-driven test is currently used to determine eligibility.  However, people who are ineligible for Chapter 7 due to their higher income, may still be eligible for Chapter 13, which is another common type of bankruptcy filing.

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How We Can Help

Attorney Richard Zirt assists clients both in and out of the courtroom. He analyzes and helps every client understand their situation and their options with clear explanations.  Richard will also advise and counsel you in reducing your debt load.  Most importantly, he will handle all of the complex paperwork involved in filing for bankruptcy, from start to finish.  He aims to make the process as convenient and efficient as possible, ensuring that clients are informed and comfortable throughout the process.

Our office is located in Monticello, NY, and we assist clients in the surrounding areas.  Call (845) 794-5928 or fill out our online contact form to request your FREE bankruptcy consultation now.  We’re looking forward to hearing from you and helping you secure a future without debt.

Our Testimonials
  • Law D Avatar
    Law D
    6/24/2019 - Google

    Richard Zirt is a well respected attorney among his peers for his keen academic mind. Moreover, he generously offers his... read more

    tony tian Avatar
    tony tian
    2/24/2019 - Google

    Very good traffic attorney with patience and professional knowledge.

    Francis OReilly Avatar
    Francis OReilly
    2/24/2019 - Google

    Sharp, well prepared and respected by both the judges and other attorneys. You cannot go wrong by hiring Richard Zirt.

The information contained on this website is presented for informational and marketing purposes only and is not to be understood as legal advice. You should consult an attorney for advice respecting your individual needs.  Law Offices of Richard Scott Zirt looks forward to speaking with you about your particular needs. Please note, however, that the mere act of contacting our firm does not create an attorney-client relationship. As a result, you should never send any confidential information to our office until a Representation Agreement has been signed by both you and Law Offices of Richard Scott Zirt.

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