Delhi, New York Personal Injury Lawyers

Oneonta, NY Personal Injury Lawyer with 36 years experience
(607) 432-3611 493 Chestnut St
Oneonta, NY 13820
Personal Injury and Estate Planning
Oneonta, NY Personal Injury Attorney with 61 years experience
(607) 432-3530 16 Dietz St
Oneonta, NY 13820
Personal Injury, Business, Divorce and Elder
Oneonta, NY Personal Injury Attorney with 66 years experience
(607) 432-3611 493 Chestnut St
Oneonta, NY 13820
Personal Injury and Estate Planning
Albany Law School
Oneonta, NY Personal Injury Attorney with 33 years experience
(607) 432-3530 16 Dietz St
Oneonta, NY 13820
Personal Injury, Divorce and Family
Oneonta, NY Personal Injury Attorney with 52 years experience
(607) 432-2245 252 Main St
Oneonta, NY 13820
Personal Injury
Robert 'Rob' Fellows
Claimed Lawyer ProfileSocial Media
Windham, NY Personal Injury Lawyer with 43 years experience
(800) 660-4878 654 Mill Street
Windham, NY 12496
Free ConsultationPersonal Injury, Medical Malpractice and Nursing Home
State University of New York - Buffalo
Widely regarded as one of the region’s most successful plaintiff’s attorneys, Rob Fellows is the firm’s managing partner. Rob brings more than 40 years of experience and legal skill to the courtroom and to his clients, where his reputation for meticulous attention to detail, relentless preparation, and aggressive advocacy has gained him the respect of colleagues, judges, and adversaries alike.

Rob believes that the firm’s strong connections with its clients are a major factor in its success. He says, “We take the time to get to know our clients as people, beyond the facts of their cases. We learn...
Leonard Edward Sienko Jr
Claimed Lawyer ProfileBlawgsearchSocial Media
Hancock, NY Personal Injury Lawyer with 41 years experience
(607) 637-5400 12 East Main Street
P.O.B. 579
Hancock, NY 13783
Personal Injury, Municipal, Probate and Real Estate
Boston College Law School
Leonard Anthony Bellavia
Claimed Lawyer Profile
Windham, NY Personal Injury Lawyer with 36 years experience
(518) 734-5700 5338 State Route 23
Windham, NY 12496
Personal Injury, Business, Estate Planning and Real Estate
St. John's University School of Law
Leonard A. Bellavia, founding partner of the law firm of Bellavia Blatt Andron & Crossett, PC, is a nationally recognized authority in the field of automotive franchise law and represents thousands of automobile dealerships across the country in all aspects of commercial litigation and buy/sell transactions. He has been instrumental in negotiating the sale of hundreds of dealerships and has achieved national recognition for advocating the mass action litigation model on behalf of franchised automobile dealers. Most notably, Len has successfully implemented the mass litigation model in the following actions: • In a settlement to recover reasonable compensation for warranty parts...
Robert Joseph White
Claimed Lawyer Profile
CORNWALLVILLE, NY Personal Injury Attorney with 29 years experience
(518) 239-6601 P.O. Box 11
CORNWALLVILLE, NY 12418
Personal Injury, Criminal, DWI and Traffic Tickets
Saugerties, NY Personal Injury Attorney with 44 years experience
(510) 409-3940 20 Pleasant View Rd
Saugerties, NY 12477
Personal Injury and Estate Planning
Golden Gate Univ School of Law
Hancock, NY Personal Injury Attorney with 42 years experience
(607) 637-3602 142 E Front St
Hancock, NY 13783
Personal Injury, Criminal, DWI and Real Estate
BINGHAMTON, NY Personal Injury Attorney with 13 years experience
(607) 821-2202 99 Corporate Drive
BINGHAMTON, NY 13904
Personal Injury
Norwich, NY Personal Injury Lawyer with 35 years experience
(607) 337-1745 5 Court St
Norwich, NY 13815
Personal Injury, Criminal, DWI and Divorce
Binghamton, NY Personal Injury Attorney with 28 years experience
(607) 821-2202 99 Corporate Drive
Binghamton, NY 13904
Personal Injury
Greene, NY Personal Injury Attorney with 13 years experience
(607) 656-2549 22 Canal St
Greene, NY 13778
Personal Injury, Bankruptcy, Business and Employment
University of Baltimore School of Law
Greene, NY Personal Injury Attorney with 42 years experience
(607) 656-4101 14 S Chenango St
Greene, NY 13778
Personal Injury and Estate Planning
Michael Bersani
Claimed Lawyer ProfileQ&ABlawgsearchSocial Media
(315) 253-3293 499 S Warren St
#513
Syracuse, NY 13202
Free ConsultationSyracuse, NY Personal Injury Lawyer with 25 years experience
Personal Injury, Legal Malpractice, Medical Malpractice and Products Liability
Syracuse University College of Law
Mike Bersani is a very experienced and respected New York State trial lawyer concentrating his practice almost entirely on personal injury claims. He is a widely published author on personal injury law. He has published numerous articles on the subject, and wrote and published the book "Understanding Your New York Personal Injury Claim", which can be ordered on his website.

Mike Bersani graduated Magna Cum Laude (top 5% of his class) from Syracuse University College of Law in 1993. He went on to do a two-year clerkship with an appellate court in Rochester, NY. Since then he has...
Brooke D. Youngwirth
Claimed Lawyer ProfileResponsive Law
Poughkeepsie, NY Personal Injury Attorney with 8 years experience
(845) 454-1110 35 Market St.
Poughkeepsie, NY 12601
Personal Injury, Business, Civil Rights and Employment
SUNY Buffalo Law School
Brooke Dana Youngwirth represents both employees and private and public-sector employers before state and federal agencies, including the New York State Division of Human Rights and the Equal Employment Opportunity Commission. Brooke also defends private and public employers against employment harassment and discrimination, labor violations, and various other federal and state claims.

In addition, Brooke frequently provides counsel to individuals, school districts, police departments, and other private employers on a range of topics such as wrongful termination, student disciplinary matters, employment discrimination, and the implementation of employment policies and handbooks. Brooke has held client training sessions and continuing legal education seminars...
Craig Kevin Nichols
Claimed Lawyer ProfileSocial Media
Syracuse, NY Personal Injury Lawyer with 28 years experience
(315) 445-8762 333 Butternut Drive
Suite 103
Syracuse, NY 13214
Free ConsultationPersonal Injury and Immigration
Syracuse University College of Law
Our law office is a preeminent Personal Injury and Immigration law firm helping individuals for over 28 years with personalized attention and concrete, concise advice to achieve their Personal Injury and Immigration goals. With a dedicated practice concentration in Immigration and Personal Injury, we limit our case intake to ensure each client we choose to represent will receive the qualities this law office was founded upon 28 years ago-Integrity. Attention to Detail. Making a Difference. Feel free to call for a free consultation.
Mr. Adam Michael Gee Esq.
Claimed Lawyer ProfileBlawgsearchSocial Media
Elmira, NY Personal Injury Lawyer with 22 years experience
(607) 733-8866 303 William St
Elmira, NY 14901
Free ConsultationPersonal Injury, Legal Malpractice, Medical Malpractice and Products Liability
Syracuse University College of Law
I am a Personal Injury and Malpractice Attorney practicing all over New York and Pennsylvania.

I started my career as a felony prosecutor with the Chemung County DA's Office, prosecuting the most serious crimes in Chemung County. From there, I became head of the legal department for the Chemung County Department of Social Services, where I supervised an office of seven attorney and was responsible for prosecuting all child abuse, child neglect, juvenile delinquent and PINS cases occurring in Chemung County

In 2004, I joined the Ziff Law Firm, where I handle all types of personal injury cases.

Throughout my...
E. Stewart Jones Jr.
Claimed Lawyer ProfileSocial Media
(518) 270-1245 1659 Central Ave.
Suite 103
Colonie, NY 12205
Free ConsultationColonie, NY Personal Injury Attorney with 53 years experience
Personal Injury, Criminal, DWI and Medical Malpractice
Albany Law School
E. Stewart Jones, Jr. is an exceptional attorney who is recognized for professional excellence as well as community service, volunteerism and philanthropy.

E. Stewart Jones, Jr. is a 3rd generation attorney and his commitment to excellence is matched by his compassion to serve, as demonstrated by his professional success and tireless contributions to the community in which he lives and works.

Recognized as one of the Best Lawyers in America, E. Stewart Jones, Jr. has represented countless individuals and families, won high-profile cases, major civil and criminal cases, and obtained record number of million-dollar verdicts and settlements on behalf of his clients.

At...
Valerie J. Crown
Claimed Lawyer Profile
(845) 708-5900 151 N Main St
#402
New City, NY 10956
Free ConsultationNew City, NY Personal Injury Lawyer with 35 years experience
Personal Injury, Medical Malpractice, Nursing Home and Social Security Disability
Benjamin N. Cardozo School of Law

Valerie dedicates her law practice to protecting the rights of individuals with serious injuries and disabilities. For the past 29 years, she has devoted her career to helping victims of abuse and neglect receive the compensation and benefits they deserve – whether from personal injury, dental malpractice, medical malpractice, nursing home abuse and wrongful death, social security disability, or workers compensation. Valerie is admitted to practice before all of the State Courts of New York, the Federal District Courts of the Southern and Eastern Districts, and the United States Supreme Court. She obtained her B.A. from Barnard College of Columbia...
Lee Carey Kindlon
Claimed Lawyer ProfileSocial Media
Albany, NY Personal Injury Lawyer with 17 years experience
(518) 434-1493 52 James Street
Albany, NY 12207
Personal Injury, Criminal and White Collar Crime
University of Connecticut School of Law
Lee Kindlon, the founding partner of the Kindlon Law Firm, has represented clients in some of the area's most high-profile criminal cases. From those hard-fought courtroom battles, he uses his experience to benefit clients across the legal spectrum. Lee's experience in civil litigation includes matters based on contract, fraud, civil rights violations and negligence. He has successfully resolved a number of high-value personal injury and wrongful death cases.

Lee's practice also includes the representation of corporations and professionals in white collar criminal cases. From preventative advice for companies to successful resolution for those charged with financial crimes, fraud or...
April M. Dalbec
Claimed Lawyer ProfileBlawgsearchSocial Media
Albany, NY Personal Injury Lawyer with 17 years experience
(518) 447-3373 677 Broadway
#500
Albany, NY 12207
Personal Injury, Civil Rights, Criminal and Family
Albany Law School
April is a Shareholder at McNamee Lochner P.C. With 15 years of experience, she is a seasoned litigator and trial lawyer. Her practice focuses in the areas of Matrimonial and Family Law, Personal Injury and Criminal Defense, including divorce, prenuptial and post-nuptial agreements, separation agreements, custody, family offenses and child support.

April received her B.A., cum laude, from the State University at Albany in 1998. Her J.D. was earned, cum laude, from Albany Law School in 2001.

April is admitted to practice in the United States Supreme Court, United States Court of Appeals For the Second Circuit, United States District...
Aaron Ryder
Claimed Lawyer ProfileBlawgsearchSocial Media
Syracuse, NY Personal Injury Attorney with 16 years experience
(800) 336-5297 120 Madison St
#1600
Syracuse, NY 13202
Free ConsultationPersonal Injury, Business, Medical Malpractice and Products Liability
Albany Law School
Mr. Ryder brings more than 15 years of experience to the pursuit of complex personal injury matters, including claims arising out of medical malpractice, misdiagnosis, product liability, wrongful death, motor vehicle accidents, and construction and/or workplace accidents.

Mr. Ryder is a graduate of the State of University of New York at Potsdam and Albany Law School of Union University, where he was inducted into the Order of the Barristers. He is listed in Upstate New York Super Lawyers®, a publication with membership limited to the top 5% of lawyers in each state, and is a lifetime member of the Million Dollar...
Andrew Finkelstein
Claimed Lawyer ProfileSocial Media
Kingston, NY Personal Injury Lawyer
785 Broadway
Kingston, NY 12401
Free ConsultationPersonal Injury, Elder, Medical Malpractice and Nursing Home
Brooklyn Law School
Mr. Finkelstein is the Managing Partner of Finkelstein & Partners. He has become a noted consumer activist through his representation of injured individuals against corporate wrong doers and irresponsible parties. An accomplished litigator, Mr. Finkelstein has represented Plaintiffs in wrongful death and catastrophic personal injury cases arising from defective drugs, dangerous consumer products, automobile, bus and motorcycle accidents, dog bites, fall down accidents and air craft crashes. He has successfully handled dozens of multi-million dollar cases, including a $9 million dollar recovery for catastrophic injuries from a construction accident, $3.5 million dollars for injuries sustained in a car...
Peter Klose
Claimed Lawyer ProfileQ&ABlawgsearchSocial Media
Red Hook, NY Personal Injury Lawyer with 25 years experience
(845) 758-8871 Red Hook, NY 12571
Free ConsultationPersonal Injury, Appeals, Medical Malpractice and Products Liability
New England Law | Boston
Klose & Associates offers various legal services to individuals and businesses, including business entity formation, contract preparation and negotiation, litigation, buying and selling personal and business assets, and wills and estate matters. Our clients have sought representation for business, environmental, insurance, intellectual property trademark and copyright), personal injury, professional malpractice (accountant, legal, medical), real estate and probate or estate matters.
Benjamin Ostrer
Claimed Lawyer ProfileQ&ASocial Media
Chester, NY Personal Injury Attorney with 42 years experience
(845) 469-7577 111 Main Street
P.O. Box 509
Chester, NY 10918
Free ConsultationPersonal Injury, Appeals, Criminal and DWI
New York Law School
Principal attorney with Ostrer & Associates, P.C. the successor firm to Ostrer & Hoovler, P.C. located in Chester, New York. The practice handles criminal defense, complex litigation and personal injury matters. Ben is the 2016 recipient of the New York State Bar Assn. Charles Crimi Memorial Award as the outstanding private criminal defense attorney in New York. He was honored by NYSBA for his pro bono work in 2018. He has obtained not guilty verdicts in serious felony cases and has an AV rating from Martindale Hubbel as well as a top 25 in the Hudson Valley...
Alfred Mainetti
Claimed Lawyer ProfileSocial Media
Ellenville, NY Personal Injury Attorney with 46 years experience
(845) 331-9436 2 Elting Court
Ellenville, NY 12428
Free ConsultationPersonal Injury, Medical Malpractice, Nursing Home and Products Liability
The John Marshall Law School
Alfred Mainetti is the senior partner of Mainetti Mainetti & O'Connor. He graduated from the John Marshall Law School in Chicago, Illinois with his J.D. Al works hard to make sure each client is able to receive the maximum compensation he or she deserves. He gets to know them as individuals and regularly communicates with them to update them on their case and to better serve their needs. He has successfully litigated multiple multi-million dollar settlements and verdicts for his clients. Al is active in the community and regularly sponsors charitable events and functions across the Hudson Valley.
Christopher N. Luhn
Claimed Lawyer ProfileQ&ASocial Media
Malta, NY Personal Injury Attorney with 33 years experience
(518) 884-0000 P.O. Box 8557
Malta, NY 12020-8557
Free ConsultationPersonal Injury, Family and Traffic Tickets
University of Baltimore School of Law
With 30 years of experience in preparing, planning and litigating conflicts between individuals, Chris Luhn brings a complete hands-on attitude to bear in directing the course of your case. His result-oriented efforts put your legal problems front-and-center at every stage of your proceedings.

Chris is also committed to keeping you involved and never left “in the dark” about what is happening with your case. That is one of the reasons the firm employs a unique, safe, and secure client-accessible internet portal that allows you, the client, amazing electronic access to many of the critical contents your file, including encrypted scanned documents,...
Derek S. Andrews
Claimed Lawyer ProfileSocial MediaResponsive Law
Albany, NY Personal Injury Lawyer with 6 years experience
(518) 459-1223 125 Wolf Road
Suite 124
Albany, NY 12205
Free ConsultationPersonal Injury, Criminal, DWI and White Collar Crime
Syracuse University College of Law
Derek Andrews, an attorney with Nave Law Firm, has a demonstrated track record of litigating cases in the courtroom. He prides himself on being a young, intelligent and aggressive attorney who is motivated to actively advocate for each of his clients. He approaches each of his client’s cases as unique and treats each person as his equal. Derek found that his experiences growing up in a military family and moving from state to state on a regular basis molded him into a flexible and approachable attorney whom anyone can trust.

Whether it be pursuing a quick resolution through negotiation or litigating...
Samantha C. Riggi
Claimed Lawyer ProfileBlawgsearchSocial Media
Syracuse, NY Personal Injury Lawyer with 4 years experience
(800) 336-5297 120 Madison St.
Suite 1600
Syracuse, NY 13202
Free ConsultationPersonal Injury, Medical Malpractice and Products Liability
Syracuse University College of Law
Ms. Riggi's practice focuses on cases sounding in medical malpractice, workplace accident, motor vehicle, product liability, wrongful death and severe personal injury matters.

Ms. Riggi sits on the Board of Directors of the Central New York Women's Bar Association (CNYWBA), and is a CNYWBA delegate to the New York State Women's Bar Association. She also authors the 1st Department Update for the New York State Academy of Trial Lawyers, and has been selected for inclusion on The National Trial Lawyers "Top 40 Under 40" list for New York.

Ms. Riggi is a graduate of Siena College, magna cum laude,...
Edward Leone
Claimed Lawyer ProfileBlawgsearchSocial Media
Syracuse, NY Personal Injury Attorney with 35 years experience
(800) 336-5297 120 Madison St
#1600
Syracuse, NY 13202
Free ConsultationPersonal Injury, Medical Malpractice and Products Liability
The Ohio Northern University Pettit College of Law
Mr. Leone is Senior Counsel at Bottar Law. He has over 30 years of experience advocating for clients with Personal Injury disputes. His practice areas include Automobile Accidents, Premises Liability and Medical Malpractice. Mr. Leone is committed to civil justice. He is dedicated to fighting for your rights and interests, focused on the best possible results.

Mr. Leone received his B.A. from the State University of New York at Cortland. In 1982, he graduated from Ohio Northern University, Pettit College of Law with a J.D. His jurisdictions include the State of New York and the United States District Court, Northern District...
James Edward Monroe
Claimed Lawyer ProfileSocial Media
Goshen, NY Personal Injury Attorney with 22 years experience
(845) 551-6704 211 Main St
Goshen, NY 10924
Free ConsultationPersonal Injury, Criminal and DWI
Western Michigan University Cooley Law School
James E. Monroe is a partner at Dupée & Monroe. P.C. where he devotes his practice to representing injured plaintiffs in personal injury litigation including auto accidents, motorcycle accidents, and construction accidents. James also maintains an active criminal defense practice and represents people whose civil rights have been violated. James received his undergraduate degree from Albany State University in 1991 and earned his Juris Doctorate law degree from Western Michigan University Cooley Law School in Lansing, Michigan in 1996. In addition to his law practice, James is proud to serve as Chairperson of the Board of Directors of Access:Supports...
Anthony Bottar
Claimed Lawyer ProfileBlawgsearchSocial Media
Syracuse, NY Personal Injury Lawyer with 42 years experience
(800) 336-5297 120 Madison St
#1600
Syracuse, NY 13202
Free ConsultationPersonal Injury, Medical Malpractice and Products Liability
State University of New York - Buffalo
Anthony Bottar is an experienced and accomplished Trial Attorney in Upstate New York. For more than 40 years, he has represented clients with legal needs including Medical Malpractice, Personal Injury and Products Liability. Mr. Bottar has a a track record of extraordinary recoveries for his clients, he is dedicated to the best possible outcomes.

Mr. Botar's honors include being listed in The Best Lawyers In America since 2001 and Upstate New York Super Lawyers since 2007. He has been named Best Lawyers's Syracuse Personal Injury Lawyer of the Year for multiple years. In 2018 and 2019, Mr. Bottar was listed in...
Jonna Spilbor
Claimed Lawyer ProfileSocial Media
Poughkeepsie, NY Personal Injury Attorney with 26 years experience
(845) 436-3193 214 Main Street
Poughkeepsie, NY 12601
Free ConsultationPersonal Injury, Criminal, DWI and Family
Thomas Jefferson School of Law
Jonna Spilbor is the founding attorney at Jonna Spilbor Law. An experienced trial lawyer, she has served as a contributing attorney and legal analyst for the Fox News Channel and has lent her voice to various publications, such as Variety Magazine, The New York Times, CNN, and others. Jonna also hosts and co-hosts several radio shows in the Poughkeepsie area. She is one of only a few members of the elite National College for DUI Defense and has handled hundreds of DUI and criminal cases. Her firm assists clients with criminal defense, family law, estate planning, personal injury, and more.
Benjamin Rabin
Claimed Lawyer ProfileQ&ABlawgsearchSocial Media
East Syracuse, NY Personal Injury Lawyer with 25 years experience
(877) 451-2453 5850 Heritage Landing Dr
East Syracuse, NY 13057
Free ConsultationPersonal Injury
Boston University School of Law
Benjamin Rabin was admitted to practice law in NY in 1994. After a brief stint as a public defender in Syracuse, NY, he worked for a small practice in Syracuse where he helped start the personal injury department. From there, Ben was hired as counsel for Cigna Insurance Company, and he handled cases all across New York, defending Cigna Insureds who were sued.

In 1999, Ben went back to his passion of representing injured people, working for a personal injury firm in Syracuse. He did that exclusively for over a decade, along the way handling major cases, and great numbers of...
Charles L. Falgiatano Esq.
Claimed Lawyer ProfileBlawgsearchSocial Media
East Syracuse, NY Personal Injury Attorney with 17 years experience
(315) 479-9000 6739 Myers Rd
East Syracuse, NY 13057
Free ConsultationPersonal Injury, Medical Malpractice, Nursing Home and Products Liability
Syracuse University College of Law
A lifelong resident of the Syracuse area, Charles L. Falgiatano, graduated from Nazareth College of Rochester with a Bachelor of Arts degree in Political Science and a concentration in pre-law in 1994. Mr. Falgiatano was on the Nazareth College Men's Basketball team and a member of the Pi Gamma Mu Honor Society. Following his undergraduate work, Mr. Falgiatano worked as a legislative aid to State Senator John A. DeFrancisco concentrating on state budget matters, economic development projects and constituent service. Mr. Falgiatano received his Juris Doctor degree from Syracuse University in 2001 and was a member of the Syracuse Law...
Joseph Edward O'connor
Claimed Lawyer ProfileSocial Media
Ellenville, NY Personal Injury Lawyer with 21 years experience
(866) 440-4452 2 Elting Court
Ellenville, NY 12428
Free ConsultationPersonal Injury, Medical Malpractice and Products Liability
St. John's University School of Law
Joseph O’Connor is a native New Yorker who represents injured clients all across the Hudson Valley. Joseph attended graduated from St. John’s University School of Law with his law degree. He started out working at a general practice firm, but eventually joined Alfred B. Mainetti and discovered personal injury law. Joseph realized that personal injury law is his passion and finds it the most challenging and satisfying area of law. Joseph focuses a majority of his time to representing clients with catastrophic injuries. In his spare time, Joseph volunteers as a trustee for two disabled adults with traumatic developmental ...
Jason C. Scott
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Walden, NY Personal Injury Lawyer with 11 years experience
(845) 778-2121 158 Orange Avenue
Walden, NY 12586
Personal Injury, Appeals, Arbitration & Mediation and Medical Malpractice
Pace Law School
Jason C. Scott is an associate with the firm's litigation team practicing general civil and criminal litigation. In addition, he focuses on regulatory and compliance issues in health care. His experience in the health care field and as a litigator enable him to provide clients with the best possible representation in a broad range of legal matters.
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Personal Injury Lawyers in Nearby CitiesPersonal Injury Lawyers in Nearby Counties

Injured in an accident?

When a person is injured, tort law will govern whether that person may be compensated for the injury, the amount of compensation that may be recovered, as well as which parties will be liable for the injury. Tort law, also known as injury law, comes from federal and state codes, as well as judicial opinions from prior cases. The amount of damages a plaintiff to a personal injury action may receive can be determined by statute, or by a judge or jury. Typical recoveries may include compensatory damages (e.g., lost wages, medical bills, etc.) and in particularly egregious situations, punitive damages. In some cases, a plaintiff may recover certain non-economic damages such as pain and suffering, loss of consortium, or loss of enjoyment of life.

Personal injury lawyers help injured people seek compensation from those who have harmed them. Some injury attorneys focus on a specific type of case, such as truck accidents, car accidents, slip-and-fall injuries, medical malpractice or products liability cases. If a person is injured as a result of criminal behavior, it may be appropriate to pursue a personal injury lawsuit in addition to the state's criminal investigation or prosecution.

Many personal injury attorneys offer a free consultation to evaluate your claim.


Negligence: Failure to use care which a reasonable and prudent person would use under similar circumstances.

Joint and several liability: A legal doctrine that makes each of the parties who are responsible for an injury, liable for all the damages awarded in a lawsuit if the other parties responsible cannot pay.