Experienced Rochester, NY Bankruptcy Lawyers to Help You

The team at Tully Rinckey PLLC’s Rochester office is here to help. We utilize our decades of experience in bankruptcy and debtor’s/creditor’s rights law to represent both individuals and corporations dealing with financial difficulties. We take the time to listen and develop the most effective solutions. If bankruptcy is the best option, we have practiced in Rochester Bankruptcy Courts for many years, and we’ll work tirelessly to achieve an outcome that can help you get back on your feet. 

We can also help you if you’re a creditor whose client has declared bankruptcy.  

We’re conveniently located at 400 Linden Oaks, near St. John Fisher College and the Oak Hill Country Club. You can also reach us 24-7 by calling 888-529-4543.  Let us help you today. 

What Options Do You Have with Bankruptcy?

Bankruptcy is different for individuals and corporations. A reorganization under Chapter 11 (for corporations) or Chapter 13 (for individuals) involves restructuring your finances and paying a fixed amount decided by the Court to your creditors over time. Chapter 7 is a liquidation of your non-exempt assets, which usually entitles you to keep much of your personal property. A reorganization and liquidation require an effective advocate to protect your rights and meet your needs for a new start.

Our bankruptcy attorneys have managed hundreds of these cases in Rochester. We work with you to identify and protect your assets, and we’ll ease your burden by negotiating a reorganization plan or a liquidation process with your creditors. The Bankruptcy Code provides an “automatic stay” that prohibits creditors from harassing you and collecting debts without Court approval.  We use the automatic stay to provide immediate relief while we work out your situation.  

We also represent creditors in the Bankruptcy Courts.

Personal Bankruptcy

Personal bankruptcy is never the first step. Our Rochester Bankruptcy Attorneys work with all your creditors to find an acceptable resolution and restructuring of your debts that allow you to get back on your feet. If this isn’t possible, we’ll explore the pros and cons of a Chapter 13 filing, which pays a portion of your debts to creditors over a fixed time period. If you can’t afford a Chapter 13 plan or the creditors won’t accept reasonable terms, you may be a candidate for a Chapter 7 filing. Under Chapter 7, your non-exempt assets are liquidated, and the proceeds paid to your creditors. The debts are then eliminated, and you receive a fresh start.  

If you decide to file for bankruptcy protection, we’ll work with you to maximize your exempt property as well as increase your credit score. Creditors look at things besides a bankruptcy filing, such as a steady income in deciding whether to extend new credit. 

Corporate Bankruptcy

Most corporate bankruptcies are filed as Chapter 11 reorganizations, but many convert to Chapter 7 if the business can’t generate enough income to make the payments under a Chapter 11 plan. A Chapter 11 filing allows the company to stay in business, retain its employees, and seek to increase revenues. We explore both options for all corporate clients.

Contact Our Rochester Bankruptcy Attorneys

If you or your business are experiencing financial strain, contact us as soon as possible.  We’ll help you obtain the best possible relief from your creditors. Your need for a fresh start is our highest priority.

Taxpayers have several options when faced with overwhelming back taxes. These options include long-term payment plans, “offers in compromise” – in which the IRS agrees to accept a lesser amount than what you currently owe – and bankruptcy. In fact, many people don’t realize that there are circumstances in which taxes can indeed be discharged in bankruptcy proceedings.

Don’t let fear keep you from getting the tax debt relief you need. The experienced bankruptcy attorneys at Tully Rinckey PLLC provide aggressive representation in your dealings with the IRS. We protect your interests and make sure that you receive any debt relief allowable by law.

The idea of filing for bankruptcy is a frightening one for many people. That’s why the experienced bankruptcy attorneys at Tully Rinckey PLLC have come together to produce a series of videos that answer the most common questions about bankruptcy. Contrary to what many people believe, it’s possible to survive bankruptcy and keep your home, car, and treasured valuables. You can begin to reestablish post-bankruptcy credit much sooner than you think.

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If you are a creditor who has received no or minimal repayment from a bankruptcy distribution, you may have a claim on the funds received by other creditors prior to the bankruptcy filing. Or, if you are a creditor who has received funds, you may be sued by a bankruptcy trustee for simply accepting money you were legitimately owed. The U.S. bankruptcy code provides numerous defenses in these cases, while also protecting the rights of creditors who may wish to pursue these funds.

The bankruptcy attorneys of Tully Rinckey PLLC have represented both defendants and plaintiffs in U.S. district courts, U.S. bankruptcy courts and state supreme courts. We’ll aggressively represent your interests while protecting your rights and privacy in all bankruptcy matters.

Just as every debtor’s circumstances are different, so are bankruptcy options. The U.S. Bankruptcy Code is necessarily complex, as it exists to provide debt relief to individuals and businesses who are experiencing financial stress. Our online bankruptcy terms guide can help you understand the language used in the Bankruptcy Code and by legal professionals. By taking some time to review these terms, you’ll have a better understanding of the bankruptcy process and the options available to debtors.

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A secured transaction is one in which a debtor provides a creditor with something of value, typically called “collateral,” as a way to secure a debt and prevent a financial loss to the creditor. If the debtor defaults on the arrangement, the creditor is able to sell the collateral to recoup any losses. The creditor maintains their interest in the collateral even if the debtor declares bankruptcy.

The attorneys at Tully Rinckey PLLC have extensive experience in secured transactions. Whether you’re a creditor or debtor, we’re prepared to provide you with aggressive representation and competent legal advice in this area of business.

When a debtor declares bankruptcy, your business is at risk of significant financial loss. It’s important to take action as soon as you receive notice that a debtor has filed for bankruptcy. Tully Rinckey PLLC is a dedicated advocate for creditors’ interests and stands ready to provide your business with aggressive representation.

Our creditor’s rights attorneys have significant experience representing lenders and credit granters in all types of bankruptcies, including Chapter 7, Chapter 11, and Chapter 13. We advise creditors’ committees, pursue bankruptcy non-dischargeability actions, and litigate bankruptcies as appropriate.

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WHY CHOOSE US TO REPRESENT YOU

When you choose Tully Rinckey PLLC, you aren’t just assigned an attorney. Your legal matter will be cared for by our entire legal team and support staff. With offices throughout the United States and overseas, we make sure you receive legal counsel and representation you can trust.

Full Service Legal Firm


Tully Rinckey is a full-service law firm. We handle legal issues relating to appellate law, litigation, bankruptcy, international and U.S.-based business law, family and matrimonial law, military and federal employment law, intellectual property law, and much more. We also offer a variety of services, including estate planning, security clearance representation, and congressional investigations. Regardless of your legal needs, we have the experienced counsel you need.

Our Process


Our client-centered process is all about communication. During consultations, we teach clients about legal challenges they face and explain options available from their current position. Our attorneys explain how we resolve legal issues for the best possible outcome. We define what the expectations are, create manageable deadlines, and discover evidence to support claims.

Proud Veterans


Tully Rinckey PLLC is a Service-Disabled Veteran-Owned law firm founded by military veterans Mathew B. Tully and Greg T. Rinckey, and now employs attorneys who are veterans of the Armed Forces. The military ranks and roles of our attorneys range from a Brigadier General, former Judge Advocates of all Officer ranks, and attorneys who have served as enlisted and Non-Commissioned Officers. The principles of the U.S. military carry over into how we operate our firm. These include leadership, character, technical and tactical proficiency, strong communication skills, seeking and taking responsibility, understanding assignments, choosing the right people for the job, and teamwork.

Our Personal Process

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