- Call for a Free Consultation, Near You. Hablamos Espanol
- Call for a Free Consultation, Near You. Hablamos Espanol
-
SUFFOLK
(631)-271-3737,
QUEENS 
(718)-751-0226
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NASSAU
(516)-307-0262,
BROOKLYN 
(347)-508-9316,
BOHEMIA 
(631)-223-4502
- Exceptional Legal Representation Throughout
- Long Island and New York, Since 1993.
-
SUFFOLK (631)-271-3737,
QUEENS (718)-751-0226
-
NASSAU (516)-307-0262,
BROOKLYN (347)-508-9316,
BOHEMIA (631)-223-4502
- Exceptional Legal Representation Throughout Long Island and New York, Since 1993.
Bankruptcy Lawyer in Alphabet City
Get Your Financial Fresh Start Today
Hear from Our Customers
Chapter 7 Bankruptcy Alphabet City
You’re tired of choosing between rent and credit card payments. Tired of screening calls from collectors. Tired of that knot in your stomach every time you check your bank account.
Chapter 7 bankruptcy in Alphabet City can wipe out credit card debt, medical bills, and personal loans in as little as 3-4 months. You keep your essential assets while getting the fresh start you deserve.
Most of our Alphabet City clients wish they’d called sooner. The automatic stay stops collection calls the moment we file, giving you immediate relief while we handle everything else.
Bankruptcy Attorney Alphabet City NY
We’ve been helping Alphabet City residents navigate financial crises for over 30 years. We understand the unique pressures of living in Manhattan—the high cost of living, unexpected job changes, medical emergencies that spiral out of control.
Our team of six veteran bankruptcy attorneys has guided thousands of NYC families through Chapter 7, Chapter 11, and Chapter 13 cases. We’re admitted in both the Eastern and Southern Districts of New York and active members of the National Association of Consumer Bankruptcy Attorneys.
Unlike large bankruptcy mills, we treat every Alphabet City case individually. Your financial situation is unique, and your solution should be too.
Bankruptcy Process Alphabet City NYC
First, you’ll get a free consultation where we review your debts, income, and assets. No sales pitch—just honest advice about your best options, whether that’s Chapter 7 bankruptcy, Chapter 13 reorganization, or debt negotiation.
Next, we handle all the paperwork and court filings. You’ll attend a brief meeting of creditors (usually 5-10 minutes), and we’ll be right there with you. The automatic stay protects you from collection actions from day one.
Finally, most Chapter 7 cases in Alphabet City are complete within 3-4 months. Your qualifying debts are discharged, collection calls stop permanently, and you can start rebuilding your credit immediately. Many clients see their credit scores improve within 6-12 months.
Ready to get started?
Debt Relief Bankruptcy Alphabet City
We handle all types of bankruptcy cases in Alphabet City and throughout Manhattan. Chapter 7 eliminates most unsecured debts quickly and affordably. Chapter 13 creates manageable payment plans while stopping foreclosure. Chapter 11 helps businesses reorganize and survive.
Beyond bankruptcy, we provide foreclosure defense for Alphabet City homeowners facing mortgage default. New York’s judicial foreclosure process can take 12-18 months, giving us time to negotiate loan modifications or explore other alternatives.
Our debt negotiation services often resolve problems without bankruptcy. We leverage our bankruptcy expertise to negotiate settlements that creditors take seriously—they know we have alternatives they want to avoid.
How much does Chapter 7 bankruptcy cost in Alphabet City?
Chapter 7 bankruptcy in Alphabet City typically costs $1,500-$2,500 in attorney fees plus a $338 court filing fee. We offer flexible payment plans and free initial consultations to discuss your specific situation.
Most clients save far more than they spend. If you’re paying $500+ monthly on credit cards with high interest rates, Chapter 7 can eliminate those debts entirely within 3-4 months. The math usually works strongly in your favor.
We’re upfront about all costs during your free consultation. No hidden fees, no surprises. You’ll know exactly what to expect before making any decisions.
Will I lose my apartment if I file bankruptcy in Alphabet City?
Most Alphabet City renters keep their apartments after Chapter 7 bankruptcy. If you’re current on rent and can afford your monthly payments, bankruptcy typically doesn’t affect your housing.
New York has generous exemptions that protect essential assets. Your household goods, clothing, and modest savings are usually safe. If you’re behind on rent, Chapter 13 can help you catch up through a payment plan.
The key is being current on ongoing expenses like rent and utilities. Bankruptcy eliminates old debts but doesn’t excuse future obligations. We’ll review your specific lease and situation during your consultation.
How long does the bankruptcy process take in NYC?
Chapter 7 bankruptcy in Alphabet City typically takes 3-4 months from filing to discharge. Chapter 13 cases involve 3-5 year payment plans but provide immediate protection from creditors.
The automatic stay begins the moment we file your case, stopping collection calls, wage garnishments, and foreclosure proceedings immediately. You get relief on day one, even though the full process takes several months.
Most clients attend one brief meeting of creditors (341 meeting) that lasts 5-10 minutes. We handle all other court appearances and paperwork. The process is much simpler than most people expect.
Can bankruptcy stop foreclosure on my Alphabet City home?
Yes, both Chapter 7 and Chapter 13 bankruptcy can stop foreclosure through the automatic stay. Chapter 13 is often better for homeowners because it allows you to catch up on missed payments over 3-5 years.
New York’s judicial foreclosure process takes 12-18 months, giving us time to explore options. We can negotiate loan modifications, challenge improper foreclosure procedures, or use bankruptcy to reorganize your debts.
If you’re facing foreclosure in Alphabet City, time is critical. The sooner we act, the more options you have. Don’t wait until the sheriff’s sale is scheduled—call us as soon as you receive foreclosure papers.
What debts can Chapter 7 bankruptcy eliminate in New York?
Chapter 7 bankruptcy in Alphabet City eliminates most unsecured debts including credit cards, medical bills, personal loans, old utility bills, and collection accounts. It also discharges deficiency balances from car repossessions and foreclosures.
Student loans, recent taxes, child support, and alimony typically survive bankruptcy. Secured debts like mortgages and car loans continue if you want to keep the property, but you can eliminate the personal liability.
We’ll review your specific debts during your free consultation. Most Alphabet City residents are surprised by how much debt they can eliminate while keeping their essential assets.
Do I qualify for Chapter 7 bankruptcy in Alphabet City?
Most Alphabet City residents qualify for Chapter 7 bankruptcy through the means test. If your household income is below New York’s median ($68,795 for one person, $89,052 for two people), you automatically qualify.
Higher income residents can still qualify if their necessary expenses are high enough. Manhattan’s cost of living often helps people pass the means test even with above-median incomes.
The qualification rules are complex and change regularly. Recent updates to New York’s median income figures mean more residents now qualify for Chapter 7. We’ll calculate your eligibility during your free consultation using the most current guidelines.
Local Resources
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Other Services we provide in Alphabet City