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General Debt Relief

We Are Debt Relief Lawyers

Are you overwhelmed by accumulation of debts that you cannot repay?

You may have already tried every reasonable option for dealing with out-of-control debts such as:
    
    » Credit card debt and other types of consumer debt
    » Mortgage debt
    » Auto loans or leases
    » Medical bills
    » Debts related to your marriage or divorce
    » Unpaid taxes
    » Excessive student loans

If you have been unable to meet your repayment obligations, you may have arrived at this website as you wonder whether bankruptcy is right for you. We have information for you about what to expect and how to go about filing bankruptcy with the best chances at a desirable outcome.

Is Bankruptcy in the Cards?

Talk to a Poughkeepsie Debt Relief Attorney. If you are in financial distress — and there are warning signs that you may be heading toward a bankruptcy — contact us at once, so that we can begin to put your financial house in order. Timing is key for a successful bankruptcy filing. Genova & Malin, Attorneys at Law, also handles bankruptcy litigation, including representation of creditors in some cases.

We Can Help You Consider Your Options, Fully Informed

We are dedicated lawyers who listen to our clients to get a complete understanding of their financial situations and relevant circumstances. We explore with them alternative approaches to dealing with financial distress, other than filing for bankruptcy. In the process, we strive to make sure that our clients' misconceptions about bankruptcy are dispelled and their fears are addressed so that they fully understand their options, before choosing a course of action.

How Will Bankruptcy Alternatives or Bankruptcy Impact Your Tax Burden?

For example, many debtors are not aware of tax consequences of different approaches to dealing with bankruptcy. If you settle a debt with a creditor outside of Bankruptcy Court or agree to resolve your foreclosure problem through a short sale of your home, you may end up with a large tax bill to pay. Forgiven debts are generally considered income to the IRS. In a bankruptcy, however, your debts are discharged altogether. That means they no longer exist — and therefore, the amount of debt discharged is not taxable.

We Treat Our Clients As We Would Want to Be Treated

Our attorneys can help direct you to debt relief solutions that are right for you and your circumstances. Genova & Malin, Attorneys at Law, near Poughkeepsie, New York, is an established bankruptcy firm that knows how to help people and businesses in financial trouble. We couple our professionalism with a personal approach in helping our clients. Our attorneys and staff get to know our clients on a first-name basis. We invite you to contact us to schedule a free initial consultation at your earliest convenience.