Chapter 7

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Chapter 7 Bankruptcy Attorney In Rochester, New York

What Is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy, often referred to as "liquidation bankruptcy," is designed to help individuals and businesses eliminate most unsecured debts, such as credit card debt, medical bills, and personal loans. In exchange, certain non-exempt assets may be liquidated (sold) to repay creditors. However, many filers find that they can keep most or all of their essential assets, thanks to New York’s bankruptcy exemptions.



Once the process is complete, most debts are discharged, meaning you are no longer legally responsible for paying them, giving you the opportunity to move forward with a clean slate.

Call Brian C. Buettner, Attorney At Law at 585-454-1760 to schedule a consultation with a lawyer today.

Key Benefits to Chapter 7 Bankruptcy

  • Debt Elimination: Chapter 7 allows you to discharge most unsecured debts, giving you relief from overwhelming financial obligations.
  • Immediate Relief: Upon filing, the automatic stay is triggered. This halts creditor actions such as collection calls, wage garnishments, lawsuits, and foreclosures, giving you peace of mind and immediate relief from debt-related stress.
  • Quick Process: Unlike other forms of bankruptcy, Chapter 7 can be completed relatively quickly—typically within 3 to 6 months—allowing you to move forward with your life sooner.
  • No Repayment Plan: Chapter 7 does not require a long-term repayment plan, making it ideal for individuals with limited income who cannot afford to repay their debts over time.


Chapter 7 bankruptcy is a powerful tool for individuals facing overwhelming debt, but it’s not the right solution for everyone. At Brian C. Buettner Attorney at Law, we will carefully assess your financial circumstances and advise you on whether Chapter 7 is the best option. If you have significant non-exempt assets or want to protect your home from foreclosure, Chapter 13 bankruptcy or other alternatives may be more appropriate.

who Qualifies for Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is available to both individuals and businesses, but there are specific eligibility requirements:

  • Means Test: To qualify, individuals must pass a "means test," which compares your income to the median income in New York. If your income is below the state's median, you likely qualify for Chapter 7. If your income is above the median, you may still qualify, but additional calculations are used to determine eligibility.
  • No Prior Recent Bankruptcies: You cannot file for Chapter 7 if you have received a discharge from a previous Chapter 7 bankruptcy within the past 8 years or a Chapter 13 bankruptcy discharge within the last 6 years.


With over 32 years of experience in bankruptcy law, Brian C. Buettner has helped countless clients find financial relief through Chapter 7 bankruptcy. Our firm provides compassionate, personalized guidance every step of the way, ensuring you understand the process and make informed decisions about your financial future. 

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Disclaimer: We are a debt relief agency. We are attorneys who help people file for bankruptcy relief under the bankruptcy code.

Have Questions?

Call Brian C. Buettner, Attorney At Law at 585-454-1760 today to speak to an attorney.

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