Raymond C. Stilwell, Esq.

Ray Stilwell has concentrated his law practice in bankruptcy law, collections and general litigation since his admission to the New York Bar in 1985.  Ray took over primary responsibility for managing the bankruptcy practice of a small Rochester law firm in 1986, and since then he has represented a wide variety of businesses as debtors and creditors in bankruptcy proceedings throughout New York State under chapter 11 of the Bankruptcy Code.  He has developed a successful program in which lenders and other creditors are able to take advantage of their rights under the Bankruptcy Code.  Ray has represented business and consumer debtors and bankruptcy trustees under Chapter 7, creditors committees in cases under Chapter 11, and petitioning creditors in involuntary bankruptcy cases.

Ray has extensive litigation experience in New York state and federal courts. He has represented lenders in all stages of mortgage foreclosure proceedings, and has handled and defended a variety of business litigation matters at virtually all trial and appellate levels. A Western New York resident for over 30 years, Ray has resided in the Buffalo area since 1994. He lives with his wife and several pets. He is in Rochester often both for work and to visit with his daughter who is a graduate of Rochester Institute of Technology. When not practicing law, he enjoys writing; Ray is a published author, editor and blogger.



  • Cornell University
  • Honors Graduate
  • State University of New York at Buffalo School of Law
  • Juris Doctor



  • Erie County Bar Association Bankruptcy Committee
  • American Bar Association


Areas of Practice:

  • Corporate Bankruptcy
  • Collections, Personal Bankruptcy

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