BANKRUPTCY
Bankruptcy & The Filing Process

Experienced Bankruptcy Attorney
Proudly Serving Buffalo, Cheektowaga, NY & Beyond

The decision to file for bankruptcy is a difficult one, but you don’t have to do it on your own. The Law Office of Wendy J. Christophersen can propose the best solution for your debt problems. Rely on our professional debt relief lawyer and bankruptcy attorney today!


Bankruptcy can be divided into two major categories. Chapter 7 bankruptcies are more common than Chapter 13 bankruptcies, but not everyone qualifies to file a straight bankruptcy.


The major difference is income level. Typically, if you earn less than the median income in your state, you can file for Chapter 7 bankruptcy, and you’ll have to pass the “means test.” If you don’t qualify for Chapter 7, you can file for Chapter 13 bankruptcy. Both types have their pros and cons based on your situation. Looking for a bankruptcy lawyer can be difficult, but The Law Office of Wendy J. Christophersen can make the process easier and more comprehensible. Whenever you are in need of either a Chapter 7 or Chapter 13 bankruptcy attorney in the Buffalo and Cheektowaga, NY region, give our office a call.

Do You Need Help Filing Bankruptcy?

The Law Office of Wendy J. Christophersen offers comprehensive assistance for clients throughout the greater Buffalo area. No matter where you are in your bankruptcy journey, our office can help. Here are some of the things that a bankruptcy filing attorney can do for you:


  • Represent Your Interests: It can be intimidating to represent yourself in court. Having a bankruptcy lawyer on your team can help ensure that all legal matters are handled correctly.
  • Offer Advice: If this is your first time filing bankruptcy, you might not be sure what to do next. Our experienced bankruptcy attorney can offer knowledgeable advice to help you feel confident in your decisions.
  • Handle Paperwork: Court cases, including bankruptcy typically involve a significant amount of paperwork. Working with our office when you file ensures that everything is completed correctly and on time.
  • Negotiate With Debt Collectors: One of the most compelling reasons to work with a bankruptcy filing attorney is to reduce or eliminate calls from debt collectors. Once you tell a debt collector that a lawyer is representing you, they must communicate with the lawyer rather than you.


If you need assistance with filing bankruptcy in the greater Buffalo area, the Law Office of Wendy J. Christophersen can help. Contact our office today to learn more.

Why Work With a Bankruptcy Lawyer?

No matter where you are in the bankruptcy process, working with an experienced attorney is the best course of action, especially if you're not sure where to begin. There are many reasons to hire a knowledgeable lawyer who specializes in the field of bankruptcy:


  • Explore Alternatives: A bankruptcy attorney can examine your case and recommend a course of action going forward. In some cases, that might mean that we advise you on other debt relief options that you didn't know about yet. We can help you negotiate with creditors, learn more about debt collectors' legal limitations so you can identify when they start to cross the line into harassment, or even potentially match you with nonprofit agencies who can help.

  • Let Us Handle Details: A bankruptcy attorney's job is to alleviate your financial stress so you can focus on other things in your life. We handle all of the details of your case accurately and on time so you can rest easy.

  • Take Advantage of Our Experience: Filing for bankruptcy can be a complicated process. Working with a bankruptcy attorney can help ensure that your case is filed and managed properly. We know which deadlines to meet, how to properly file and complete all necessary steps, how to present your supporting documents, and understand all the ins and outs of the process. While this is likely the first time you are dealing with this topic, we have been working with bankruptcy cases in the Buffalo area for years. Let us put our experience to work for you!

  • Have Someone in Your Corner: Hiring a bankruptcy attorney ensures that you have someone on your side to advocate for your interests during the bankruptcy process. This can greatly help you achieve peace of mind and help ensure that you don't miss any details. In addition, we are trained negotiators, which can be helpful if your case proceeds to that point.

Concerned About Bankruptcy Costs?

Filing for bankruptcy does cost money. The specific amount you will pay will depend on multiple factors, so there is no easy way to determine how much you will owe if you file. The expense of filing a petition to the court is fixed for each type of bankruptcy, but the additional fees will vary based on your individual case. Total bankruptcy costs include the following:


  • Bankruptcy Filing Fees: Whether you file for bankruptcy on your own or you hire an attorney, you'll need to pay the court for the right to have your case heard. The amount you pay will depend on the type of bankruptcy you choose to file, but the costs are nationally standardized and mandated by United States Bankruptcy Court. You will need to pay filing and administrative fees for all three types of personal bankruptcy; Chapter 7 bankruptcies also require a small trustee fee to help offset the cost of a court-appointed administrator who oversees the case.

  • Attorney Fees: Your specific attorney fees will depend on the complexity of your case. We can give you more information during your complimentary consultation.
  • Additional Factors: If you have filed for bankruptcy in the last eight years, if you have numerous or unusual assets, if you have multiple sources of income, if you're filing for a business bankruptcy in addition to your personal one, or if your case fits numerous other parameters, you might find yourself paying additional fees depending on your situation.

  • Bankruptcy Education Course: Chapters 7 and 13 cases require you to take two credit counseling courses - one before you file and one after you file. These courses generally cost a small entry fee in order to enroll.


Our firm understands that bankruptcy costs can be overwhelming, especially given your circumstances. We keep our rates competitive and are always available for open discussion for your peace of mind. Keep in mind that filing with the help of an attorney can usually wind up saving you money in the long run.

Contact Us to Schedule a Consultation with Our Bankruptcy Attorney

If you are considering filing for bankruptcy, you may be wondering if you should hire a bankruptcy attorney or take your chances and handle it on your own. The U. S. Bankruptcy Code and related state statutes are complicated. An experienced bankruptcy attorney can make sure you are in compliance with all the requirements of a bankruptcy filing and are utilizing the best bankruptcy option for you.


Bankruptcy is not a one-size-fits-all solution. Depending on your financial situation, there are different bankruptcy options available, such as Chapter 7 or Chapter 13 bankruptcy. Our attorneys will evaluate your circumstances, including your income, assets, and debts, and help you determine the best bankruptcy option for your specific needs. We will explain the advantages and disadvantages of each option, ensuring that you make an informed decision that aligns with your goals. Don't take chances with your financial future – contact our reputable bankruptcy attorneys today to discuss your options and take the first step towards a fresh start.

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