Chapter 13 Bankruptcy Solutions in Central New York Areas

If you’re struggling with credit card debt, missed mortgage payments, or tax bills you can’t catch up on, Chapter 13 bankruptcy might be the solution you need. Known as “reorganization bankruptcy,” it lets you create a manageable repayment plan over three to five years to pay back part of your debts while protecting your home, car, and other important assets. This plan also stops foreclosure, repossessions, wage garnishment, and lawsuits. At Grady BK, PLLC, we specialize in guiding people in Central New York and the North Country through this process, helping you understand local rules and protecting what matters most. Whether you’re an individual or a small business owner, we’ll work with you step-by-step—from your initial consultation to the final debt discharge—making the journey clearer and helping you rebuild financial stability. Call us today to learn if Chapter 13 is right for you and start moving toward a fresh start.