Robert Rock provides CBS viewers with a Bankruptcy Resource Page which allows them to learn and understand bankruptcy before, during and after they file.
The following links provide useful, ethical and, for the most part, free advice, information, and services if you’re trying to get out of debt or are considering bankruptcy but don’t really understand what it is or if it would be the best recourse for you.
Numerous websites offer to reduce or even eradicate your debt. Others promise to eliminate harmful negative information on your credit report – even if your credit information happens to be valid and accurate. Stay away from these sites. They are making false claims and offering things that are not possible or even legal.
The safest first step to take would be to look on a government site, such as www.ftc.gov. This is the Federal Trade Commission, a valuable resource for helping consumers determine if they should consult a debt counselor, develop a realistic budgeted repayment plan, or file for bankruptcy. You can also find information on this site about the Fair Debt Collections Practices Act , a law that protects consumers from the abusive, deceptive, and often unscrupulous practices used by many collections agencies. Did you know, for example, if you tell a collector not to call your place of business and they continue to do so, they are in violation of the FDCPA and you can report them?
Along with the FTC site, www.consumercredit.com – American Consumer Credit Counseling – is a non-profit agency designed to help you get out of debt or help you decide if bankruptcy is your best option. The National Foundation For Credit Counseling – www.nfcc.org – also offers free or low cost counseling and it is the nation’s largest and longest-serving non-profit organization dedicated to consumer debt counseling.
At www.nynb.uscourts.gov you will find a tab to links or sites of interest. And, the website of the United States Trustees Office is another valuable resource: www.justice.gov/ust/. If you click on their site map, you can locate bankruptcy information specific to your geographic region.
When in doubt, search online for reviews of these sites to make sure you’re getting the best and the smartest advice for your particular situation.
Finally, Tully Rinckey offers a series of Video FAQs ranging from a simple definition of bankruptcy, to the differences between Chapter 7, 11, 13, etc., and it gives a step by step outline of what you can expect if you decide to file. We also offer a free consultation to clients who are considering this very serious but potentially life-saving alternative.
Bob is the managing partner of the Albany office of Tully Rinckey PLLC and the head of the Firm’s insolvency practice. He has 35 years of experience in dealing with complex financial, corporate and commercial issues. Throughout his 35year legal career, Bob has centered his practice in the Capital Region but has represented clients all across New York including in each of the four United States District Courts and the U.S. Second Circuit Court of Appeals.
Bob has extensive experience before both state and federal courts fighting for clients in the civil litigation arena. When Tully Rinckey PLLC’s clients have been wronged by the action or inaction of another party, they find an ally and advocate in Bob as they pursue their rights in court Clients may also find themselves being sued and in need of the kind of proactive defense provided by Bob and the Tully Rinckey PLLC civil litigation team. Bringing to bear the lessons learned over decades of representing individuals, businesses, non-profit organizations, municipalities, and the full range of legal entities, Bob and the team provide aggressive representation to secure the best possible legal outcome for our clients.
A long-time ally of distressed and troubled businesses and individuals throughout upstate New York, Bob has been expanding Tully Rinckey PLLC’s bankruptcy practice, particularly in the areas of Chapter 11 (business) and Chapter 12 (farm) reorganization while continuing the firm’s tradition of representing individuals in Chapter 7 and Chapter 13 proceedings and all types of bankruptcy litigation.
Bob has successfully confirmed Chapter 11 plans in diverse cases, including a rural Delaware County acute care hospital, a swimming pool builder and water park developer, a major printing company and an ante-bellum ladder manufacturer. He has successfully represented a ski manufacturer in protecting its rights and ensuring that its position was adequately protected in the bankruptcy of a central New York ski area. He has also represented creditors’ committees in a Broome County and Pennsylvania baker, a mid-Hudson building products supplier and a consortium of banks in a case involving a purported investment company behind a massive Ponzi scheme. Bob was the lead attorney on a landmark case involving the eligibility of certain New York partnerships to seek reorganization under Chapter 11. Bob has represented secured and unsecured creditors as well as Chapter 7 and Chapter 11 trustees in virtually every aspect of bankruptcy.
Bob received a juris doctorate from Albany Law School and a bachelor’s degree in political science from LeMoyne College. His admissions include the New York State Bar, the U.S. District Courts for the Eastern, Southern and Northern Districts of New York, and the 2nd U.S. Circuit Court of Appeals.
When not at work, Bob enjoys hiking in the Adirondacks and Catskills, music, local history and travel.