Vermont Bankruptcy Office

The Law Office of James Palmisano, operating as Vermont Bankruptcy Office, provides legal services focused on bankruptcy law for individuals and small proprietary business owners. The firm assists clients in navigating both Chapter 7 and Chapter 13 bankruptcy proceedings, aiming to provide a "second financial chance" for those facing overwhelming debt from credit cards, medical bills, job loss, or divorce.

Key services offered include the complete discharge of debts through Chapter 7, and structured repayment plans over three to five years via Chapter 13. The firm helps clients stop foreclosures, prevent auto repossessions, and halt wage garnishments. They also assist with specific debt-related issues such as discharging certain taxes and student loans, removing second mortgages and liens on homes, and reducing automobile loan payments through "cram-down" provisions. All bankruptcy cases in Vermont are filed at the U.S. Bankruptcy Court in Rutland, with hearings held in Rutland or Burlington. The firm offers a free, no-obligation consultation to assess a client's financial situation and explain the costs and benefits of bankruptcy.