BEWARE OF DEBT CONSOLIDATION COMPANIES

I cannot begin to tell you the number of clients who come to me after starting with debt consolidation companies.   They have thing in common: they have less money than they did before they started with these companies.  If you owe a lot of money, and just can’t manage, you are an easy target for the unscrupulous who come out of the woodwork to prey on the vulnerable. THINK BEFORE HIRING - NOT FOR PROFIT DOES NOT EQUAL CHARITY Before you think of hiring one of these firms: Google! And, … [Read more...]

Garnishments: Can I get my money back after filing Bankruptcy?

Paychecks, bank accounts, even tax refunds….all sources can be subject to a creditor garnishment for a balance owed. And every time a garnishment happens, it feels as if that debt will never go away. Unfortunately, when you get to the point of being garnished, you are not only being garnished on the debt itself, but also on attorney fees and court costs – often times doubling what you originally owed that creditor. Our attorneys are here to help you stop garnishments through the bankruptcy … [Read more...]

Filing Bankruptcy: Will my Boss Find Out?

Filing for bankruptcy can elicit any number of fears: what will my family think? Who will find out? Can I lose my job? All of these are normal concerns and issues that our Westchester bankruptcy attorneys will discuss during your initial consultation. A bankruptcy is a public record, and it will show up in your local legal newspapers. However, the negative stigma associated with bankruptcy is very minimal….you will not be walking around with a big scarlet “B” on your chest. The … [Read more...]

CHAPTER 13 – TOP 5 QUESTIONS

Chapter 13: Top 5 Questions Whenever considering a bankruptcy, you want to make sure you are completely informed of what you are signing up for. Our Westchester bankruptcy lawyers are here to assist you through these difficult financial times. Here are some of our clients pressing concerns…. 1. What if I can’t afford the repayment plan? A wonderful component of the Chapter 13 Repayment plan is that it can fluctuate with your circumstances. If your income decreases, there are opportunities … [Read more...]