Bankruptcy

Chapter 7 Bankruptcy

We have offices located in Westchester and White Plains. Our attorneys will help you file your Bankruptcy in Westchester County or other New York Courts.

A Chapter 7 Bankruptcy could be your way to a fresh financial start because it is designed to free you from most unsecured debts and stop creditors’ collection efforts. In fact, once you retain our lawyer the creditors must stop contacting and harassing you and instead contact our attorney.

The Chapter 7 Bankruptcy can rid you of debts from:

• credit cards
• medical bills
• payday loans
• department store cards
• personal loans
• utility bills
• auto repossessions
• wage garnishments
• and more.

A Chapter 7 Bankruptcy will also stop creditors from continuing with the collection efforts that include menacing calls and mailings. Our lawyers will stop the collection by implementing the protection of the Automatic Stay and also help you protect your valuable possessions by thoroughly using the Chapter 7 exemptions. Our attorneys will use the Automatic Stay and Chapter 7 exemptions to save your properties and personal possessions.

A Chapter 7 Bankruptcy may be for you if you have a lot of credit card debt or medical bills. The Chapter 7 Bankruptcy will eliminate all your credit card debt and medical bills in just a few months. During this time our lawyers will stop the creditors’ collection efforts so you can have peace of mind.

The Chapter 7 Bankruptcy may also protect your property and personal belongings. Our attorneys will fight to protect your home, wages and cars, and even stop a foreclosure on your house. Our lawyers will also protect your personal items and other possessions, such as work tools, clothes, furniture, appliances and other household items. An experienced attorney is what you need to get your financial freedom back.

Our experienced lawyers will guide you through the entire Bankruptcy process. The latest Bankruptcy Laws were passed in 2005 and the eligibility requirements changed. An individual must meet the “means test” to qualify for the Chapter 7 Bankruptcy. After our attorneys verify that you pass the “means test”, you will have to take two mandated credit counseling courses and appear for a “meeting of creditors”. Soon after, you will receive a “discharge notice” which means your case is finished. The entire process should take from 3 to 6 months.

For guidance on Chapter 7 Bankruptcy, please contact our experienced attorneys that will help you through the entire process and answer all your questions. You may call or visit our Westchester, White Plains office.