Central New York Bankruptcy Lawyers
Client-focused and dedicated to excellence, Orville & McDonald Law helps individuals and businesses navigate a path to success.
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Southern Tier Bankruptcy Lawyers
Client-focused and dedicated to excellence, Orville & McDonald Law helps individuals and businesses navigate a path to success.
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Central New York Bankruptcy Lawyers
Client-focused and dedicated to excellence, Orville & McDonald Law helps individuals and businesses navigate a path to success.
More Information

Types of Bankruptcy

Several different types of bankruptcy can be employed to restructure one’s debt. The most commonly used in the United States, especially in New York State, are Chapter 7, Chapter 13, Chapter 11, and Chapter 12 bankruptcy.

Chapter 7 Bankruptcy

A Chapter 7 bankruptcy, also known as liquidation, allows individuals to discharge most or all of their unsecured debt in order to get their financial situation under control. Dischargeable debt includes credit cards, medical bills, utility bills and even some types of unpaid taxes. Lean how we can help you obtain a fresh start.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is a reorganization bankruptcy option for individuals with regular income. In this type of bankruptcy, a repayment plan is developed to use disposable income to pay off a portion of debts over a period of three to five years. Chapter 13 can help individuals avoid foreclosure, catch up on missed mortgage payments, and manage their debts in a more structured way while retaining all property.

Chapter 11 Bankruptcy

Chapter 11 bankruptcy is typically used by businesses to restructure their debts while continuing to operate. This option allows the business to develop a plan to repay creditors often at only a portion of what is owed over time. This allows businesses to emerge stronger after the process is complete. See how we can help.

Chapter 12 Bankruptcy

Chapter 12 bankruptcy is specifically designed for family farmers and fishermen facing financial difficulties. This option allows them to continue with their farming operations while reducing and managing their debt load with manageable monthly payments. Often the amount owed on mortgages, chattel and equipment loans can be decreased to the actual value of the collateral.

Bankruptcy Alternatives

Bankruptcy is simply a tool that can often be a useful method for people to resolve their debt issues. It is sometimes not the only option available. At Orville &McDonald Law, we will explore all of your potential options and help you to decide the best path for you.

Before You File

We offer a free in-person or phone (or zoom) consultation where we can talk about your unique circumstances and figure out the best options to improve your financial situation.

Over 35 Years oF Experience

What has made us successful is our ability to relate to our clients and to provide the responsible care and support that they need. We have built a strong reputation throughout upstate New York for our knowledgeable, practical, and ethical service in complex issues surrounding farm and business bankruptcy.

Personal Bankruptcy

At Orville & McDonald Law, we understand the financial strain that individuals and families may face. we have decades of experience in personal bankruptcy, providing expert guidance and support to clients navigating difficult financial circumstances.

Business Bankruptcy

At Orville & McDonald Law, we are dedicated to helping businesses navigate the complexities of bankruptcy. Our experienced attorneys are among the top filers in New York State for small business bankruptcies. We offer expert guidance and support to our small business clients facing financial challenges.

Farm Bankruptcy

At Orville & McDonald Law, we understand the unique challenges faced by farmers and agricultural businesses. Our experienced attorneys have filed many successful farm bankruptcies, and have provided our farm clients with expert guidance and support during this difficult time.

Conveniently Located

Serving Central New York and the Southern Tier with pride, including Binghamton, Syracuse, Utica, Oneonta, Cortland and surrounding areas.

Peter Orville

Since 1989 Peter Orville has been helping thousands of your neighbors in the Southern Tier and Central New York to eliminate their debts and get a fresh financial start.

Peter Orville has been recognized by many prestigious legal organizations for his commitment to providing quality service to clients. He has been a member of Bankruptcy Law Network (www.bankruptcylawnetwork.com), the National Association of Consumer Bankruptcy Attorneys (NACBA), the Central New York Bankruptcy Bar Associations (former President), the American Bankruptcy Institute (ABI), the National Association of Chapter Thirteen Trustees (NACTT), and the Bankruptcy Committee of the Broome County Bar Association. Peter is one of only a few attorneys in upstate NY selected as a “Super Lawyer” in the field of Bankruptcy each year since 2007.

Peter has taught various continuing legal education (CLE) courses to bankruptcy lawyers in Syracuse, Binghamton and Cooperstown, NY. He has also taught Bankruptcy Law topics at national conferences of NACBA and through the National Business Institute. Peter has also taught law classes at Binghamton University since 1989.

Zachary McDonald

Zachary McDonald is a distinguished legal professional specializing in bankruptcy law. He is an active member of several esteemed legal associations, underscoring his commitment to staying informed and influential in his field. 

These include the National Association of Consumer Bankruptcy Attorneys (NACBA), the Central New York Bankruptcy Bar Association (CNYBBA), the American Bankruptcy Institute, and the Broome County Bar Association. His affiliation with these organizations empowers him to deliver skilled and updated legal counsel, further enhancing his ability to tackle complex bankruptcy cases. 

Zachary’s dedication to his clients and expertise in bankruptcy law sets him apart in the legal community.