Thomas Denny is a graduate of Florida A&M College of Law. Before attending law... more
Thomas Denny is a graduate of Florida A&M College of Law. Before attending law school, Mr. Denny studied at University of Florida's Political Science program where he received a Bachelor of Arts Cum Laude. Mr. Denny is a member in good standing of the New York State Bar and the Federal Bar and concentrates his practice on helping Western New Yorkers, local businesses, and homeowners with Chapte... view profile
William Winspear is a former IRS officer and worked in the IRS Collection and Small... more
William Winspear is a former IRS officer and worked in the IRS Collection and Small Business Self-Employed Divisions at the Internal Revenue Service from 1991 to 2007. He left the IRS in 2007, and became an Enrolled Agent tax professional with license to practice before the IRS. Winspear then attended law school, graduated Magna Cum Laude, and received Louis A. DelCotto Award for outsta... view profile
If you owe money but need time to repay it, you may require the services of a Chapter 13 bankruptcy attorney. In a Chapter 13 bankruptcy, the court appoints a trustee to help you straighten out your finances (sometimes called a financial reorganization). Unlike a Chapter 7 bankruptcy, you are required to file a plan to pay off the money owed over a three-to-five-year period under the bankruptcy court's supervision. If you file Chapter 13 bankruptcy, then both the courts and the creditors you owe will closely monitor your financial transactions, and an experienced Chapter 13 bankruptcy attorney can help both debtors and creditors navigate the process.