Law Office Of Charles E.Andersen

At the Law Office of Charles E. Andersen, we have been providing superior bankruptcy, debt negotiation, and legal services for over fifteen years. Our dedicated team, led by experienced Bankruptcy Attorney Charles E. Andersen, has helped countless individuals and businesses throughout Elmira, Corning, Watkins Glen, and all adjoining New York counties achieve a fresh financial start.

Our Services

As a seasoned Bankruptcy Attorney with over two decades of experience, Charles E. Andersen has devoted his practice to assisting individuals and businesses navigate the complex world of bankruptcy law. Our office offers a range of services designed to meet the unique financial needs of our clients, including:

• Chapter 7 Bankruptcy: Eliminate 100% of your credit card and medical debts with Chapter 7 bankruptcy. This process is designed to wipe out most of your debt and allow you to start over.

• Chapter 13 Bankruptcy: Utilize the powerful Chapter 13 bankruptcy act to reorganize secured debt and reduce payments. This type of bankruptcy is ideal for individuals with a steady income who can pay some of their debts in a court-approved payment plan.

• Debt Negotiation: Our experienced team can help you negotiate with your creditors to reduce your debt and create a more manageable payment plan.

• Legal Services: In addition to bankruptcy and debt negotiation, our office provides a variety of legal services designed to help you overcome financial obstacles and achieve financial stability.

Our Commitment to You

At the Law Office of Charles E. Andersen, we understand the emotional challenges that often accompany financial difficulties. Our team is dedicated to providing compassionate, personalized service to each and every one of our clients. We believe that everyone deserves a fresh financial start, and we are committed to helping you achieve this goal.

About Charles E. Andersen

Charles E. Andersen was admitted to practice law in New York State in 1994, following examination, by the New York State Supreme Court, Appellate Division 3rd Dept. He attended undergraduate school at State University of New York at Stony Brook and holds a Baccalaureate Degree in addition to a JD (Juris Doctor Degree) in Law. Mr. Andersen first opened his office in 1994 in Ithaca New York. In 1995 he moved the primary practice to Elmira New York where it persists. The Law Office consists of Mr. Andersen and several paralegals and other support staff.

Bankruptcy: A Valid and Necessary Option

Bankruptcy is a Federal Debt elimination process. Our web site is designed to give you all of the basic information you need to become knowledgeable in bankruptcy law prior to your consultation with our office. We are a significant filer in Chemung, Steuben and Schuyler Counties, and dedicate ourselves to filing bankruptcy cases which includes stopping foreclosure and repossession of your home and assets. Bankruptcy is the fastest and most affordable way to get out of debt and increase your credit score. Our office has guaranteed payment plans to make getting out of debt more affordable. At the Law Office of Charles Andersen, our no money down chapter 13 wage earner plans can shift the costs of filing for bankruptcy to your creditors and away from you. You too can become debt free in as little as three months by using the powerful U.S. bankruptcy laws to your benefit.

Life After Bankruptcy

Bankruptcy sparks intense emotions in many people. The credit card industry has spent billions of dollars trying to establish a stigma surrounding bankruptcy. At the Law Office of Charles Andersen, we know that bankruptcy is a valid and necessary option for many people. We are dedicated to helping you navigate the bankruptcy process and achieve a fresh financial start.

Pre-Bankruptcy Counseling

Before filing for bankruptcy you can obtain a pre-bankruptcy counseling session with an approved credit counseling organization in which an evaluation of your personal financial situation, a discussion of alternatives to bankruptcy, and a personal budget plan take place. A typical counseling session should last about 60 to 90 minutes, and can be done in person, on the phone, or online. The counseling organization is required to provide the counseling free of charge for those consumers who cannot afford to pay.

Federal Lien Strip Program

The powerful Chapter 13 bankruptcy laws can allow you to strip off multiple mortgage liens on you property. This federal lien strip program is available through our office to qualified wage earners who desire a fresh start and need reorganization on secured debt. Through Chapter 13 we can help you safely and effectively modify both secured an unsecured debt through this federally approved plan of reorganization.

Credit Report Assistance

Unlike other law firms we assist you with your credit report after bankruptcy. Our attention to your situation is as comprehensive as we can reasonably make it be. Your bankruptcy case is more to us than just a matter of filling out papers and appearing in court.