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What We Do


At the Barbaruolo Law Firm, P.C. , we work closely with our clients, individuals and businesses, throughout the entire bankruptcy process knowing full well that this is an extremely personal matter.   We help you avoid the dangers of foreclosure, wage garnishments and repossessions by filing your claim in a timely fashion to assist you in reorganizing your debt and your financial future. We pride ourselves on our high integrity and attentiveness to every case.  Our attorneys and staff are knowledgeable in all matters of bankruptcy proceedings and will give prompt attention to your situation thus protecting your property and livelihood.

What is Bankruptcy?

Bankruptcy is the process in which a debtor files for a discharge in Bankruptcy Court.  A discharge can be defined as a legal forgiveness of debts.  In other words, the debtor is no longer legally required to pay any debts that are discharged by the bankruptcy court. In chapter 7 cases the court will usually grant the discharge on expiration of the time allotted for filing a complaint objecting to the discharge and the time allotted for filing a motion to dismiss the case.  In individual chapter 11 cases and in cases under chapters 12 and 13, the court generally grants the discharge as soon after the debtor completes all the payments under the plan. This discharge order is permanent and prohibits the creditors of the debtor from taking any form of collection action on the discharged debts, including legal action, and forbids communications with the debtor, such as telephone calls, letters and personal contacts.

The debtor will usually receive a discharge unless there is litigation involving an objection to the discharge. The Federal Rules of Bankruptcy Procedure provide for the bankruptcy court to mail a copy of the order of discharge to the debtor and their attorney, all creditors, the U.S. trustee, the trustee in the case, and the trustee’s attorney. The notice, which is simply a copy of the final order of discharge, is not specific as to those debts determined by the court to be non dischargeable, i.e., not covered by the discharge. The non dischargeable debts will still need to be repaid after the bankruptcy.  The notice informs the creditors that the debts owed to them have been discharged and that they should not attempt any further communication with or collection from the debtor.

Contact us today for a free consultation  518.782.9100

Mortgage Modifications

Mortgage Modifications and other “Loss Mitigation” options are key programs that can help ...