- 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
-
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 Chelsea, NY
Stop Collection Calls Today
Hear from Our Customers
Chapter 7 Bankruptcy Chelsea NY
You don’t have to live with crushing debt anymore. Chapter 7 bankruptcy wipes out credit card bills, medical debt, and personal loans in about three months. The automatic stay kicks in immediately – no more collection calls, no more wage garnishment, no more sleepless nights.
Your paycheck becomes yours again. Your phone stops ringing with debt collectors. You keep your home, car, and retirement accounts while eliminating the debt that’s been strangling your budget.
Most of our Chelsea clients walk away debt-free within 90 days, keeping everything they need while getting rid of everything that’s been holding them back.
Chelsea Bankruptcy Attorney Experience
We’ve been eliminating debt for Chelsea residents since 1993. We’re not general practice lawyers who dabble in bankruptcy. This is what we do, every day, for over three decades.
Ronald earned his law degree from NYU with specialized training in bankruptcy law. He’s admitted to practice in all New York bankruptcy courts and we have over 30 legal professionals backing every case. We’ve seen every situation, handled every complication.
Chelsea’s cost of living keeps climbing. When rent takes half your income and credit card minimum payments eat up the rest, something has to give. We understand the financial pressure facing Chelsea families, and we know exactly how to fix it.
Debt Relief Bankruptcy Lawyer Process
First, we sit down for a free consultation. No sales pitch, no pressure. We review your debts, income, and assets to determine if bankruptcy makes sense. You’ll know exactly what to expect before you commit to anything.
Next, we prepare and file your case. The moment we file, collection calls stop. Wage garnishment ends. Foreclosure proceedings freeze. You get immediate breathing room while we handle all the paperwork and court requirements.
Finally, you attend one brief trustee meeting about 30 days after filing. We’re there with you. Most meetings last under 10 minutes. Then you wait for your discharge order – usually within 60-90 days – and you’re done.
Ready to get started?
Bankruptcy Lawyer for Foreclosure Defense
Bankruptcy isn’t just about credit cards. We also stop foreclosures, negotiate mortgage modifications, and settle all types of debt. Chapter 13 bankruptcy can stop foreclosure proceedings and give you up to five years to catch up on missed payments.
Chelsea real estate values have created a housing crisis for many families. When property taxes increase and wages don’t keep pace, homeowners fall behind. We’ve helped hundreds of Chelsea area residents save their homes through strategic bankruptcy planning.
Our foreclosure defense services work hand-in-hand with bankruptcy protection. The automatic stay stops foreclosure sales while we negotiate with your lender. Many clients keep their homes and eliminate other debts simultaneously.
How fast can a bankruptcy attorney stop wage garnishment in Chelsea?
Immediately. The automatic stay takes effect the moment we file your bankruptcy petition. Your employer must stop garnishing your wages that same day.
We can file emergency petitions within 24 hours if you’re facing immediate wage garnishment. The bankruptcy court electronically notifies your payroll department, and the garnishment stops instantly. If your employer continues taking money after receiving notice, they face serious legal penalties.
This immediate protection is why many people file bankruptcy right before a garnishment starts. You don’t have to lose weeks or months of wages while negotiating with creditors.
Can Chapter 7 bankruptcy help me keep my Chelsea apartment?
Yes, if you’re current on rent. Bankruptcy doesn’t affect your lease agreement as long as you’re up to date on payments. Your landlord cannot evict you simply because you filed for bankruptcy protection.
If you’re behind on rent, Chapter 13 bankruptcy might be better. It allows you to catch up on back rent over 3-5 years while staying in your apartment. The automatic stay prevents eviction while you get current.
New York’s tenant protections are strong, but bankruptcy adds another layer of security. We help Chelsea renters understand their rights and choose the bankruptcy chapter that best protects their housing situation.
What debts survive Chapter 11 bankruptcy in New York?
Student loans, recent tax debts, child support, and alimony typically survive bankruptcy. Recent luxury purchases over $500 made within 90 days of filing may also be non-dischargeable.
However, eliminating other debts often makes these remaining obligations manageable. When credit card payments disappear, you have more money for student loans or tax payments. Some tax debts over three years old can actually be discharged.
We analyze every debt individually. Sometimes debts that appear non-dischargeable actually qualify for elimination based on timing or other legal factors. This detailed review is part of every case evaluation.
How much does a bankruptcy lawyer cost in Chelsea, NY?
Court filing fees are $338 for Chapter 7 and $313 for Chapter 13. Attorney fees depend on case complexity, but we offer payment plans that fit your budget. Most clients stop paying credit cards and use that money for legal fees.
We provide transparent, upfront pricing with no hidden charges. Payment plans let you start your case immediately while spreading costs over several months. We never charge extra for routine court appearances or standard document preparation.
Free consultations help you understand all costs before making decisions. We also explain alternatives like pro bono programs for qualifying low-income filers. Proper bankruptcy representation typically saves thousands compared to struggling with debt long-term.
Will bankruptcy affect my professional license in New York?
Rarely. Most professional licenses are unaffected by bankruptcy filings. Doctors, lawyers, nurses, teachers, and other licensed professionals typically keep their licenses without issues.
Some licensing boards ask about bankruptcy during renewal periods, but this seldom results in license suspension or revocation. Federal law also prohibits most employers from firing you solely because you filed bankruptcy.
We help professionals in sensitive positions file strategically to minimize any potential impact. This might include timing considerations or providing documentation to licensing boards if questions arise during renewal.
How long does Chapter 13 bankruptcy take in Chelsea?
Chapter 13 plans last 3-5 years depending on your income level. You make monthly payments to the bankruptcy trustee, who distributes money to creditors according to your court-approved plan.
The process starts immediately with creditor protection, but you’re making payments throughout the plan period. At the end, remaining qualifying debts are discharged. This option works well when you have regular income but need time to catch up.
Chapter 13 often makes sense for Chelsea residents with higher incomes who don’t qualify for Chapter 7, or homeowners who need time to save their homes from foreclosure.
Local Resources
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Other Services we provide in Chelsea