Long Island & NYC's top bankruptcy, foreclosure & debt relief attorneys since 1988

Your credit is already taking damage — every missed payment, every default, every collection account compounds it month after month. Bankruptcy doesn't add to that spiral. It stops it. It draws a legal line under everything and gives you a clean starting point.

Most of our clients see measurable credit improvement within 12 months of filing — actual approvals for credit cards, auto loans, and in many cases mortgages within a few years. We also offer credit repair guidance after your case resolves, because the goal isn't just ending the debt. It's making sure you're positioned for what comes next.

Over 400,000 Americans file for bankruptcy every year. They include teachers, nurses, small business owners, first responders, contractors, and retirees. Not one of them planned to be in this situation. Job loss, medical emergencies, divorce, a pandemic — these are things that happen to responsible people.

Bankruptcy is a federal legal protection, not a moral judgment. Every conversation in our office is confidential, and in 38 years of practice, our team has heard every version of this story. Nobody here will judge you. That's not who we are, and it's not what this firm was built for.

The consultation is free — genuinely free. Not "credited toward your fee." No strings.

If you proceed with a Chapter 13 case, attorney fees are typically built into the court-approved repayment plan, which means zero out-of-pocket cost to start. For other case types, we use flat-fee pricing and flexible payment plans. Every cost is disclosed in a written agreement before you sign anything. No hidden charges, no billing surprises, no bait-and-switch. We've operated this way for 38 years because the people who need a bankruptcy attorney are, by definition, people who can't afford to be overcharged.

Poor communication is the number one complaint filed against attorneys with state bar associations. We know that, and our firm is built specifically to avoid it.

You meet directly with an experienced attorney — not an intake coordinator, not a paralegal screening calls. Throughout your case, you have direct access to your legal team. We provide clear explanations at every stage, respond to calls and emails promptly, and proactively update you on deadlines and developments. Our clients consistently cite communication as the reason they'd recommend us — check the reviews.

Complicated is what 38 years and a 25-person team are for. We handle adversary proceedings, contested motions, bankruptcy appeals, and multi-year cases with overlapping business debts, tax obligations, real estate disputes, and active litigation.

Our founder clerked for a U.S. Bankruptcy Judge in the Southern District of New York and has published legal scholarship on the powers of bankruptcy courts. Our attorneys have reversed lower court foreclosure rulings at the Appellate Division, Second Department. If another firm told you your case is too complex, that's a statement about their capacity — not your situation. Call us.

Debt settlement companies are not law firms. They can't file motions, represent you in court, invoke the automatic stay, or litigate against a creditor who won't negotiate. They call and ask for a discount. That's the extent of their leverage.

We negotiate with the full authority of a licensed law firm — backed by our ability to file bankruptcy, take a case to trial, or invoke a federal court order that freezes all collection activity. Creditors respond differently when they know the person across the table can escalate. That's why outcomes are different. The distinction isn't subtle, and it shows up in what your creditor is willing to accept.

Same day if necessary. We file emergency bankruptcy petitions within 24–48 hours. The filing immediately triggers the automatic stay — a federal court order that stops foreclosure sales, halts wage garnishment, and freezes creditor collection. We've filed on the same day as a scheduled foreclosure sale and stopped it.

Same-day consultations are available. We take evening appointments. If you have a foreclosure date, an active garnishment, or a bank account restraint, call now. The automatic stay only protects you if we file before the deadline.

Call: 888-4-U-NEW-START