The Testa Law Firm offers a wide array of legal services. We represent clients in matters that involve bankruptcy, real estate law, family law, personal injury, estate planning and DWI, DWAI, and ADWI defense. Our firm is built by our clients. We are skilled advocates who fight for the best possible outcomes for our clients and their futures. We are hear to help you navigate through difficult legal issues and to make your life easier.
When you choose our firm, your case will be in the hands of diligent professionals who uphold the highest standards of legal representation in all of our endeavors. Dan has closed numerous properties for my clients and they all really like the professional attention that. We'll always put your needs and interests first. To learn more about how we can help you, contact the Testa Law Firm today at (315) 255-3368.
Sometimes you can't effectively resolve certain issues without legal assistance. Many matters extend beyond mere disagreements or differences, and involve complications that can only be rectified through the legal system.
When you choose our firm, your case will be in the hands of diligent professionals who uphold the highest standards of legal representation in all of our endeavors. Dan has closed numerous properties for my clients and they all really like the professional attention that. We'll always put your needs and interests first. To learn more about how we can help you, contact the Testa Law Firm today at (315) 255-3368.
Sometimes you can't effectively resolve certain issues without legal assistance. Many matters extend beyond mere disagreements or differences, and involve complications that can only be rectified through the legal system.
Services
We understand that filing for bankruptcy is highly personal and is a difficult decision to make.
What most clients learn after meeting with our firm is that filing for bankruptcy can give you immediate financial relief which in turn relieves stress from the rest of your life.
We give you all of the information you need to make a decision based upon your personal needs.
If filing for bankruptcy is right for you, our firm will work hard to make the process as comfortable and seamless as possible.
What most clients learn after meeting with our firm is that filing for bankruptcy can give you immediate financial relief which in turn relieves stress from the rest of your life.
We give you all of the information you need to make a decision based upon your personal needs.
If filing for bankruptcy is right for you, our firm will work hard to make the process as comfortable and seamless as possible.
What do Abraham Lincoln, Henry Ford, Walt Disney, Milton Hersey, H.J. Heinz, P.T. Barnum, Larry King and Frances Ford Coppola have in common?
Would it surprise you to know that they are a few, among the many, famous people that have had to seek bankruptcy protection?
At Testa Law Firm, we understand that no one wants to file bankruptcy but life happens and sometimes people find themselves in a position where they are struggling to pay their bills.
Illness, divorce or loss of employment are just a few reasons someone can find themselves in trouble financially and despite their best efforts, cannot get themselves out of debt.
Would it surprise you to know that they are a few, among the many, famous people that have had to seek bankruptcy protection?
At Testa Law Firm, we understand that no one wants to file bankruptcy but life happens and sometimes people find themselves in a position where they are struggling to pay their bills.
Illness, divorce or loss of employment are just a few reasons someone can find themselves in trouble financially and despite their best efforts, cannot get themselves out of debt.
You don't even have to be insolvent.
Many times, people are able to continue to pay their financial obligations but the amount that they pay has placed a severe burden on them.
They have barely enough money left over at the end of each month for necessities.
The choice to file is a personal one that should be made after you have considered certain things such as if you earn enough to pay your debt; how much you owe; if bankruptcy will get rid of the type of debt you owe; if you are you facing any type of collection activity such as a lawsuit or wage garnishment and how long it would take you to pay off your debt.
Many times, people are able to continue to pay their financial obligations but the amount that they pay has placed a severe burden on them.
They have barely enough money left over at the end of each month for necessities.
The choice to file is a personal one that should be made after you have considered certain things such as if you earn enough to pay your debt; how much you owe; if bankruptcy will get rid of the type of debt you owe; if you are you facing any type of collection activity such as a lawsuit or wage garnishment and how long it would take you to pay off your debt.
A chapter 7 bankruptcy is the most straightforward form of bankruptcy and allows you to get rid of most of your debts and start over with a fresh start.
In order to qualify for a chapter 7 bankruptcy you have to fall below the New York State median income for a household of your size.
Your median income is determined by averaging your income for the last six months.
Can I still file for Chapter 7 Bankruptcy if my income is higher than the median income guidelines?.
If your income is higher than the median income limits for your household size you may still qualify to file for a Chapter 7 Bankruptcy by completing a means test which will calculate both your income and qualified expenses.
In order to qualify for a chapter 7 bankruptcy you have to fall below the New York State median income for a household of your size.
Your median income is determined by averaging your income for the last six months.
Can I still file for Chapter 7 Bankruptcy if my income is higher than the median income guidelines?.
If your income is higher than the median income limits for your household size you may still qualify to file for a Chapter 7 Bankruptcy by completing a means test which will calculate both your income and qualified expenses.
A Chapter 13 Bankruptcy is a reorganization bankruptcy which is designed to reorganize your debts and to create a plan to payoff a portion of those debts at a reasonable and manageable rate.
Your income, expenses and types of debt will determine the amount that you pay back as well as your monthly payment amount.
You can expect to continue to make Chapter 13 plan payments for 3-5 years depending on the plan.
Your income and household size will determine what type of bankruptcy you may qualify for.
Your income, expenses and types of debt will determine the amount that you pay back as well as your monthly payment amount.
You can expect to continue to make Chapter 13 plan payments for 3-5 years depending on the plan.
Your income and household size will determine what type of bankruptcy you may qualify for.
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