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Directory of bankruptcy lawyers in Watertown, New York. Verify credentials with the state bar before hiring.
3 attorneys listed
Updated May 2026
Watertown, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeAttorney.com. We do not endorse any attorney or guarantee outcomes. Verify licensing and disciplinary status with the State Bar of New York before hiring.
Showing 3 bankruptcy lawyers in Watertown, NY
Listings are displayed in no particular order and are not ranked by BeforeAttorney. Order does not constitute a recommendation or endorsement of any attorney.
Grady BK, PLLC
120 Washington St Ste 303C, Watertown, NY 13601
(315) 299-9005 gradybk.com
Harris-Courage, PLLC
106 Washington St, Watertown, NY 13601
(315) 836-2065 harrisbankruptcy.com
Anthony Inserra Bankruptcy Law
531 Washington St, Watertown, NY 13601
(315) 786-3498
If you are facing overwhelming debt in Watertown New York a bankruptcy lawyer can help you understand your options. New York law allows residents to use either state or federal exemptions when filing for bankruptcy. A local attorney can guide you through the process at the Northern District of New York bankruptcy court.
What Does a Bankruptcy Lawyer in Watertown Cost?
Typical costs for a bankruptcy lawyer in New York range from $1,200 to $3,500 for a Chapter 7 case and $2,500 to $5,000 for a Chapter 13 case. Court filing fees add about $338 for Chapter 7 and $313 for Chapter 13. Credit counseling courses cost around $20 to $50 each. Costs vary by case complexity and attorney experience. This is general information and not legal advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by attorney and case complexity. This is not legal advice — consult directly with an attorney for fee specifics.
Frequently Asked Questions
What types of bankruptcy can I file in Watertown New York?
Individuals in Watertown can file for Chapter 7 or Chapter 13 bankruptcy. Chapter 7 discharges most unsecured debts while Chapter 13 involves a repayment plan over three to five years. Your lawyer will help you choose the right option based on your income and assets.
How long does a bankruptcy stay on my credit report in New York?
A Chapter 7 bankruptcy remains on your credit report for 10 years from the filing date. A Chapter 13 bankruptcy stays for 7 years. These time limits are set by federal law and apply in New York.
Do I need to take a credit counseling course before filing in New York?
Yes, New York requires you to complete a credit counseling course from an approved agency within 180 days before filing. You must also take a debtor education course after filing to receive your discharge. Your lawyer can provide a list of approved providers.
Need a Bankruptcy Lawyer?
Contact this list of lawyers to find the right fit for your situation.
About Our Listings
Attorneys listed on BeforeAttorney.com are compiled from publicly available directories, state bar records, and business listings. Inclusion does not constitute endorsement. We do not verify attorney licensing, disciplinary status, or qualifications. Verify each attorney's current standing with the State Bar of New York.