Barbaruolo Law Firm

Albany Bankruptcy Lawyers


A Bankruptcy Attorney You Can Trust

Bankruptcy Law, Simplified.

Located in Albany, New York, our law firm is committed to assisting individuals navigate the bankruptcy process and find the relief they need. With over three decades of experience and commitment to our clients, we’ll guide you through each step of the process towards a fresh financial start.

Legal experience, on your side

Over 30 Years in Bankruptcy

At Barbaruolo Law Firm, we treat each our clients as if they were a members of our family. Each client’s individual situation is unique. There is no “cookie cutter” bankruptcy option. Let us build a plan to help you achieve your personal and financial goals.


Chapter 7 bankruptcy is a legal process that helps individuals eliminate unsecured debts by liquidating non-exempt assets.

Chapter 7 Bankruptcy Services

Chapter 13 bankruptcy is a court-supervised debt reorganization plan that allows individuals to repay a portion of their debts over 3-5 years, while protecting their assets. It offers a manageable repayment structure, helping debtors regain financial stability without liquidating their property.

Chapter 13 Bankruptcy Services

Mortgage modification is a process where lenders agree to change the terms of a borrower’s mortgage, making payments more manageable. This can include adjusting interest rates, extending the loan term, or reducing principal. It’s a solution to prevent foreclosure and help homeowners maintain ownership.

Mortgage Loan Modification Services

Wage garnishments are court-ordered deductions from a debtor’s paycheck to repay outstanding debts, such as unpaid taxes, child support, or student loans. A bankruptcy law firm can help stop garnishments and protect your income by addressing the underlying debts through various legal solutions.

Stop Wage Garnishments

Real estate law governs property transactions, including buying, selling, leasing, and financing. It involves legal issues related to land, structures, and property rights. A real estate law firm assists clients in navigating complex regulations and ensuring proper documentation to protect their interests.

Real Estate Legal Services

Foreclosure defense involves using legal strategies to help homeowners facing foreclosure retain their homes or minimize financial loss. Bankruptcy law firms can negotiate with lenders, identify errors in foreclosure procedures, and explore alternatives like loan modifications, short sales, or bankruptcy options.

Foreclosure Defense Services

Frequently Asked Questions

What is bankruptcy, and how can it help me?

Bankruptcy is a legal process designed to help individuals and businesses who are struggling with debt. It can help you eliminate or reduce your debts, stop creditor harassment, and provide a fresh financial start.

What is the difference between Chapter 7 and Chapter 13 bankruptcy?

Chapter 7 bankruptcy is also known as liquidation bankruptcy, and it involves selling some of your assets to pay off your debts. Chapter 13 bankruptcy, on the other hand, is a reorganization bankruptcy that allows you to keep your assets while you pay off your debts through a payment plan.

Read more: Chapter 7 vs Chapter 13

Can bankruptcy stop foreclosure proceedings?

Yes, filing for bankruptcy can put an automatic stay on foreclosure proceedings, which means that creditors cannot take any further collection action while the bankruptcy case is ongoing. This can provide you with some additional time to work out a solution to keep your home.

How can I know if bankruptcy is the right choice for me?

The decision to file for bankruptcy is a personal one that depends on your specific financial situation. It’s important to consult with a qualified attorney who can help you evaluate your options and determine whether bankruptcy is the right choice for you.

Read also:

What is the bankruptcy process?

The bankruptcy process can vary depending on the type of bankruptcy you file and the specifics of your case. Generally, it involves filling out a petition, providing financial information, attending a meeting of creditors, and working with a trustee to resolve any outstanding issues.

Get the fresh start you deserve

Barbaruolo Law Firm Testimonials

My wife and myself needed a Law firm we could trust. A lawyer that had experience, and knowledge. And one that would treat us like family, not just another client. We found all of those attributes. Who you ask, her name is Paula Barbaruolo. Paula and her team are by far the best. She answered all of our questions, addressed all of our concerns. When you step in the door of her office, you automatically feel comfortable. Her attention to detail, is second to none. When she tells you she's going to accomplish the reasons you came there for, she does just that. There's never any stress when you're there, or when you leave. I can't emphasize enough to each and every person that needs a top-notch Lawyer, don't hesitate, contact Paula. I promise you, it will be the best phone call you will ever make. On a scale from one to ten, I give Paula and her team a twelve.

[redacted] Client

I recently had the pleasure of working with Mrs. Barbaruolo. I found her to be honest, fair, competent, sharp and creative. She was also very human and caring. She solved my legal issues in a very timely manner and was very fair in her pricing. If you are needing a bankruptcy lawyer, look no further… Paula Barbaruolo is the right lawyer for the job!! I HIGHLY recommend her!!

[redacted] Client

I cannot thank you enough for everything you have done for me. I am your biggest fan! You are simply amazing and oh how I wish I started this whole process with you from the beginning. ​It would have saved me many tears and sleepless nights.

[redacted] Client

When I got into trouble with credit cards, I went to Barbaruolo Law Firm for help. When I thought I couldn't do anything, Paula helped me come up with a plan that was great for me. Without getting into details, I had some trouble in my payback period and Paula and her team went to bat for me and helped me beyond my imagination. I would HIGHLY RECOMMEND this law firm! They truly care.

[redacted] Client

I’ve got nothing more to say than professionalism for this firm. Every aspect of my case was fully explained to me in detail and there were never any surprises. Communication is excellent, especially when I would receive mail and have questions regarding the content. Paula and her team are outstanding!

[redacted] Client

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