⚠️ Facing wage garnishment or foreclosure? We can help stop it today. Call (716) 858-3115
Chapter 13 Bankruptcy Relief — Buffalo, NY

Stop the Calls. Stop the Garnishments. Start Fresh.

Chapter 13 bankruptcy gives you a legally protected path to reorganize your debt, stop creditor harassment, and keep your home and car — without surrendering your assets.

Tresmond & Tresmond LLP has guided Western New York families through financial hardship with experienced, compassionate legal counsel.

📞 Call Now — Free Consult ✉ Send a Message
Get Your Free Consultation

Confidential. No obligation. Respond within 24 hours.

🔒 Confidential. Protected by attorney-client privilege.

💸 Wage Garnishment
🏠 Foreclosure
📞 Creditor Harassment
🏥 Medical Debt
🚗 Repossession
📋 Tax Debt

Understanding Your Options

What Is
Chapter 13?

Chapter 13 is a federal bankruptcy option that lets you reorganize — not erase — your debt into a manageable 3–5 year repayment plan, under the protection of a federal court.

Unlike Chapter 7, which liquidates assets, Chapter 13 allows you to keep your home, your car, and your property while catching up on overdue payments at a pace you can afford.

The moment you file, an automatic stay goes into effect — immediately halting wage garnishments, foreclosure proceedings, repossessions, and creditor calls. Legally. Instantly.

Tresmond & Tresmond LLP will guide you through every step of the process, from initial evaluation to final discharge.

24hrs
Automatic stay stops garnishments after filing
3–5
Year structured repayment plan tailored to your income
100%
Asset retention — keep your home, car, and belongings
Free
Initial consultation with our bankruptcy attorneys

Why Chapter 13

What Filing
Can Do For You

Chapter 13 is a powerful legal tool. Here's what it puts on your side the moment you file.

🛑
Stop Wage Garnishment

Filing triggers an automatic stay that immediately halts any wage garnishment, giving you your full paycheck back from day one.

🏠
Stop Foreclosure

Chapter 13 can stop a foreclosure in its tracks and give you time to catch up on missed mortgage payments through your repayment plan.

🛡️
Keep Your Assets

Unlike Chapter 7, you keep your home, vehicle, retirement accounts, and personal property — you just reorganize what you owe.

📵
Stop Creditor Calls

The automatic stay legally prohibits creditors from contacting you. The harassment stops the moment your case is filed.

📊
Structured Repayment

Your repayment plan is based on your actual income and expenses — not what creditors demand. Payments are made through a court-appointed trustee.

⚖️
Federal Legal Protection

Chapter 13 is a federal process. Once you file, you have the full weight of the U.S. Bankruptcy Code protecting you and your family.

The Process

Three Steps to
Financial Relief

We make the process straightforward. Here's what working with Tresmond & Tresmond looks like.

01
Step One
Free Consultation

Call us or submit the form below. We'll review your financial situation confidentially, explain your options, and tell you honestly whether Chapter 13 is the right path for you — at no cost and no obligation.

02
Step Two
File & Get Protected

Once you decide to move forward, we prepare and file your petition. The automatic stay goes into effect immediately — stopping garnishments, foreclosure, and creditor contact from that day forward.

03
Step Three
Follow Your Plan

You make monthly payments to a bankruptcy trustee according to your court-approved plan. At the end of 3–5 years, remaining eligible debt is discharged and you start fresh — debt free.

📞 Call Now for a Free Consultation

Contact Us

Talk to an Attorney
Today — Free

Our team is ready to help. Reach us by phone, email, or the form — we respond to every inquiry within one business day.

Phone
(716) 858-3115
Email
admin@tresmond.org
Office
424 Main Street, Suite 1908
Buffalo, New York 14202
Hours
Monday – Friday: 9:00 AM – 5:00 PM

Don't wait until your paycheck is garnished or your home is in foreclosure. The sooner you speak with an attorney, the more options you have. Filing takes days — and protection starts immediately.

📞 Call (716) 858-3115 Now

Request a Free Consultation

🔒 All information is confidential and protected by attorney-client privilege.