Bankruptcy and Credit Program

Our bankruptcy and credit program will help you face financial problems and understand how to resolve them.  Our program can offer low to moderate income individuals the opportunity to repair their damaged credit and provide assistance for those struggling with unmanageable debt.  We offer one on one consulations with an attorney to discuss your financial situation. During this consult the attorney will determine if you are eligible for Chapter 7 or Chapter 13 bankruptcy.  We provide representation to those who are income qualified.

What does Chapter 7 Bankruptcy Mean?

• Total or liquidation bankruptcy
• Debtors non-exempt assets are sold by the Chapter 7 Trustee and the proceeds distributed to creditors
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What does Chapter 13 Bankruptcy Mean?

• Debtor proposes a repayment plan
• Creditors are prevented from collection activity and the debtor can keep non-exempt property
• When the plan payments have been completed in 3 to 5 years the debtor is discharged
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Credit Reporting Agencies (Eligible for one free credit report per year)  EQUIFAX: (800) 685-1111 

www.equifax.comPO Box 740241, Atlanta, GA 30374 EXPERIAN: (888) 397 3742www.experian.comPO Box 949, Allen, TX 75013 TRANSUNION: (800) 916-8800www.tuc.comPO Box 390, Springfield, PA 75013  

Call The Legal Project at (518) 435-1770 to Request Program Eligiblity.  All programs and services have specific eligibility requirements.  Please call us for more information at (518) 435-1770. 

“I am so glad that I was introduced to The Legal Project at a time when I was so stressed out financially and otherwise and with no one else to turn to.  I have highly recommended The Legal Project to others, and they have been extremely satisfied as I have been with your program, and will continue to do so so others may benefit from your services.  I was pleased with your timely and professional manner, especially at a time that you are so scared of the outcome.  For that I thank you so much! Thanks again, you are the best! My sincere thanks to my lawyer, and his staff, I couldn’t have asked for better services – you are tops in my book.”  

“What was most helpful was how quickly you were able to find an attorney to assist me in getting the process started.”  

The intake process was very not stressful, which was greatly appreciated … Everything could not have gone any smoother … I am extremely thankful for this program and to all who helped me become debt free.”

“It was a time consuming procedure, but it was well worthy of the great support and understanding that your group made me feel. Thank you so, so much … I never knew there were such programs to help people in my situation! Thank you so much.”  

“I just wanted to thank you for your help.  I received a discharge of debts last week from the Bankruptcy Court.  What a beautiful Spring it is!  Last Fall I could not have imagined how wonderful it is to be debt free.  My lawyer was the best lawyer ever!  He was extremely kind and gracious.  I will always be grateful for the help you gave.”

“I got very good treatment from The Legal Project and I told some of my friends and family about you...you did do everything you said you were going to do.”

“The lawyer was so respectful and never treated me any differently because I was a pro bono client.”

“The choice to bankrupt myself and my business was so hard.  I was overwhelmed and stressed but The Legal Project and the attorney helped me see the light at the end.   I am forever grateful to The Legal Project for offering such an amazing service.  Thank you for everything.”

“Everything was handled perfectly.  They (The Legal Project) gave me a chance to be free again and treated me like a human being not just a number.”