Todd Alan Morth

I'm an affordable full service bankruptcy lawyer. I have helped 1,000’s of people file Chapter 7 and Chapter 13 bankruptcies in Buffalo, Niagara Falls and all of Western New York. If you are behind on your car payment, mortgage or property taxes, please contact me to see if I can help you with these payments. If you have credit card debts you are struggling to pay, or if you have a judgment against you or your wages are being garnished, I can help you resolve these problems. Please contact me for free consultation to review your situation. I offer in person or phone consultations to fit your schedule and I have payment plans to fit your budget. I will personally handle all aspects of your case and I look forward to helping you.

• Free Consultation
  My fees for a Chapter 7 Bankruptcy start at $800. My initial fees for a Chapter 13 Bankruptcy start at $500. I will work with to come up with a manageable payment plan for the fees.
• Credit Cards Accepted
• Rates, Retainers and Additional Information
  I can accept payment by debit card for your fees.

New York

New York State Office of Court Administration

ID Number: 2933935

Since 1999

Western District of New York

Since 1999

Bankruptcy Court - Western District of New York

Since 1999

Attorney

Law office Todd A. Morth

2012 - Current

Helped over a 1000 clients get relief from their debts and the fresh start that they deserved.

Associate Attorney

Law office Peter D. Grubea

1999 - 2012

Case Western Reserve University School of Law

J.D. (1998)

1995 - 1998

Honors: J.D. - cum laude Editor Case Western Reserve Journal of International Law

National Association of Consumer Bankrupty Attorneys

Current

New York State Bar  # 2933935

Member

1999 - Current

Q. Filed ch7 bankruptcy 5 yrs ago. Need to file again. Unsecured debt only, under median income no disposable income.

August 17, 2023

A: The Court cannot confirm a plan when you have no disposable income to fund the plan or when the plan proposes 0.00% repayment to your unsecured creditors. You should consult with local bankruptcy attorney to see what your options are to manage your debt. While a Chapter 13 maybe an option for you, depending on your circumstances you might want to wait 3 years and file another Chapter 7.

Q. NY Chap 7 dischrg in 2019 still residing in home in foreclosure awaiting auction. still have the right to file chap 13??

November 5, 2022

A: You are able to file a Chapter 13 in this situation. However, you may not receive a Discharge in this new Chapter 13 case because you may have received a Discharge in a Chapter 7 bankruptcy filed within the prior 4 years. Even if you cannot receive a Discharge, you can still file a Chapter 13 to stop the foreclosure process and set up a payment plan to deal with the mortgage arrears. You should contact a bankruptcy attorney to discuss how to best use the Chapter 13 process to stop the foreclosure. The attorney can also determine when you are eligible to receive a Chapter 13 Discharge.

Q. I have $45000 in debt, a "debt resolution" lawyer is telling me to enroll on their program. Their fee is $500 per month

October 21, 2022

A: You are right to be skeptical. There is no certainty that your creditors will agree to settle your debts. A 'good settlement' now is typically 50 cents on the dollar, with many creditors requiring an even higher amount. You are only paying enough money to offer your creditors 40 cents on the dollar and that is not even factoring in the fees the attorney will take before making offers to your creditors. You will potentially owe income taxes on the debt that is written off by the creditor. You may settle with one of your creditors while your other creditors are starting lawsuits against you. If this happens, you will probably need to file a bankruptcy. You should speak with a bankruptcy attorney before you decide to work with the debt settlement company. ... Read More

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