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Bankruptcy Attorneys

Whether the economy is up or it is down, individuals and businesses can find themselves struggling with finances and debt.  There are solutions and we can make them work for you.  There are ways to get through whatever the problem is, even if it is due to:

  • Loss of income for individuals
  • Reduced cash flow or loss of customers of business
  • Law suits and judgments
  • Back taxes owed
  • Mortgage foreclosures
  • Medical bills
  • Lack of financing and credit availability

Our more than 25 years of experience representing individual and business debtors can be put to work for you.  We know how to use bankruptcy or negotiated workouts to relieve the stress and let you get move on to a better financial future.

Filing for Bankruptcy

Filing bankruptcy can be an effective way to reduce the amount you have to pay to creditors or eliminate the debt all together.  For individuals it can eliminate or reduce obligations while saving homes, cars and other assets from foreclosure, repossession and attachment.  Income can be protected from garnishment and retirement savings are preserved.  Businesses can reduce the amounts owed to vendors, get rid of burdensome contracts and leases and stretch out payments for back taxes so that they have a chance to return to profitability.

Sometimes, however, a bankruptcy proceeding may not be the best way to resolve financial difficulties.  If there are only a few creditors or the amounts owed are relatively small, or if there are matters that are not best suited to court, workouts can be an effective and speedy way to settle debts.  Direct negotiations with creditors can produce agreements that reduce what is owed and allow the payments to be made over a manageable timeframe.

Debtors’ Rights

Kevin Toole and Richard Gertler have represented large corporations, small businesses, homeowners, wage earners, trustees, landlords, lenders and creditors in virtually every type of bankruptcy case.  Their experience and knowledge provides an ability to look at every case from all possible angles leading to a solution that takes everything into account.  Because of this diverse background they can identify issues both common and unique and formulate the right approach for the best possible outcome.

If you need help or know of someone with financial issues call us at 516-228-3553.