- 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 NYC, NY
Stop Creditor Harassment Today
Hear from Our Customers
Chapter 7 Bankruptcy NYC
You’re drowning in credit card bills, medical debt, and constant creditor calls. Every day feels like you’re falling further behind, no matter how hard you work. That crushing weight on your chest when you see another collection notice in the mail—you don’t have to carry that anymore.
Bankruptcy isn’t failure. It’s federal law designed to give people exactly like you a second chance. When you file, creditor harassment stops immediately. Wage garnishments end. That constant anxiety about losing your home or car? Gone.
Within 3-6 months, you can discharge most of your unsecured debts completely. No more payments. No more calls. Just the freedom to rebuild your financial life on your terms, with the breathing room you need to actually succeed this time.
NYC Bankruptcy Attorney Experience
Since 1993, we’ve helped thousands of New Yorkers escape overwhelming debt and start fresh. We understand the unique financial pressures NYC residents face—from sky-high rent to crushing living costs that make it nearly impossible to get ahead.
Our team of six veteran bankruptcy attorneys knows every courthouse, every judge, and every procedure in the Eastern and Southern Districts of New York. We’ve seen how the system works, where it fails people, and exactly how to navigate it successfully.
What sets us apart isn’t just our 30+ years of experience or our 4.9-star rating from over 310 clients. It’s our understanding that behind every case is a real person dealing with real stress, often for the first time in their lives. We treat you like family, not a file number.
Bankruptcy Process NYC NY
First, we sit down for a free consultation to understand your exact situation. No judgment, no pressure—just honest answers about your options. We’ll review your debts, income, and assets to determine which chapter of bankruptcy makes the most sense for you.
Once we file your case, creditor harassment stops immediately. That same day. No more calls, no more letters, no more sleepless nights wondering if they’ll garnish your wages or freeze your bank account.
We handle all the paperwork, court filings, and legal requirements. You’ll attend a brief meeting of creditors—we’ll be right there with you. Most Chapter 7 cases are complete within 3-6 months. Chapter 13 cases involve a 3-5 year payment plan, but you keep your assets and get manageable monthly payments.
Throughout the entire process, you’ll have direct access to your attorney. Questions don’t wait for business hours when you’re stressed about your financial future.
Ready to get started?
Debt Relief Lawyer NYC
Chapter 7 bankruptcy eliminates credit card debt, medical bills, personal loans, and most unsecured debts completely. In NYC, where the median household faces $8,000+ in credit card debt, this complete discharge gives you the fresh start you need without years of payments.
Chapter 13 bankruptcy lets you keep your home and car while reorganizing debts into affordable payments. Perfect for NYC homeowners facing foreclosure or anyone with steady income who needs time to catch up. Your payment plan is based on what you can actually afford, not what creditors demand.
We also handle foreclosure defense throughout NYC. New York’s strict foreclosure laws give homeowners significant protection, but only if you know how to use them. We’ve stopped foreclosures, negotiated loan modifications, and helped families stay in homes they thought they’d already lost.
Beyond bankruptcy, our debt negotiation services can often reduce what you owe by 40-60%. Sometimes the threat of bankruptcy is enough to get creditors to accept pennies on the dollar.
How quickly can bankruptcy stop creditor harassment in NYC?
The moment we file your bankruptcy petition, federal law creates an “automatic stay” that immediately stops all creditor collection activities. This means no more phone calls, letters, wage garnishments, or bank account seizures starting that same day.
Creditors who violate the automatic stay face serious penalties, including having to pay your attorney fees and damages. We’ve seen creditors fined thousands of dollars for continuing collection efforts after a bankruptcy filing.
This immediate relief is one of the most powerful aspects of bankruptcy protection. You get breathing room to focus on your case and your future, not constant harassment about debts you’re already addressing through the legal system.
What debts cannot be discharged in Chapter 7 bankruptcy?
Most unsecured debts like credit cards, medical bills, and personal loans are completely eliminated in Chapter 7. However, certain debts survive bankruptcy, including recent taxes (typically less than 3 years old), student loans (with rare exceptions), child support, alimony, and debts obtained through fraud.
Secured debts like mortgages and car loans are handled differently. You can keep the property if you’re current on payments and can afford them going forward, or surrender the property and eliminate any remaining balance owed.
We review every debt during your consultation to give you a clear picture of what will be eliminated and what obligations will remain. This helps you make an informed decision about whether bankruptcy is right for your situation.
Can I keep my home and car in bankruptcy?
In most cases, yes. New York’s bankruptcy exemptions protect up to $170,825 in home equity (more for joint filers) and $4,550 in vehicle equity. If your equity is within these limits, you can keep your property by continuing to make payments.
Chapter 13 bankruptcy is particularly effective for saving homes facing foreclosure. It stops the foreclosure process immediately and lets you catch up on missed mortgage payments over 3-5 years while keeping your home.
For cars, if you’re current on payments and the vehicle fits within exemption limits, you simply continue making payments. If you’re behind on payments, Chapter 13 can help you catch up while keeping the car.
How much does bankruptcy cost in NYC?
Chapter 7 attorney fees typically range from $1,500-$2,500 in NYC, plus a $338 court filing fee. Chapter 13 fees are usually $3,000-$4,500, plus a $313 filing fee. These costs vary based on case complexity, but we provide upfront pricing with no hidden fees.
Many clients worry about affording bankruptcy when they’re already struggling financially. We offer payment plans and, in some cases, you may qualify for a court filing fee waiver if your income is below certain thresholds.
Consider this: if you’re paying $500+ monthly on credit cards that will take decades to pay off, bankruptcy attorney fees are often less than what you’d pay in minimum payments over just a few months. It’s an investment in your financial future.
Will bankruptcy ruin my credit score permanently?
Bankruptcy appears on your credit report for 7-10 years, but its impact decreases significantly over time. Many clients see their credit scores improve within 12-18 months after discharge because they no longer have overwhelming debt-to-income ratios.
The key is rebuilding responsibly after bankruptcy. Secured credit cards, on-time payments, and keeping balances low help restore your credit faster than you might expect. Many clients qualify for mortgages within 2-3 years after bankruptcy.
Remember, if you’re already behind on payments, your credit is likely already damaged. Bankruptcy stops the bleeding and gives you a clear path to recovery, rather than years of struggling with debts you can’t realistically pay.
How long does the bankruptcy process take in NYC?
Chapter 7 bankruptcy typically takes 3-4 months from filing to discharge in the Eastern and Southern Districts of New York. You’ll attend one brief meeting of creditors about 30 days after filing, then receive your discharge 60-90 days later.
Chapter 13 involves a 3-5 year payment plan, but you get immediate protection from creditors when we file. Your plan payments start within 30 days of filing, and successful completion results in discharge of remaining eligible debts.
The timeline can vary based on case complexity, but we keep you informed every step of the way. Most clients are surprised how quickly the process moves once we file, especially compared to how long they struggled with debt before seeking help.
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