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...]


Chapter 7 Bankruptcy: Reaffirming a Debt A Chapter 7 bankruptcy allows you to walk away from your debt and get a fresh start. However, there are times where you may want to keep a debt; in particular, keeping a mortgage or car loan. When the bankruptcy is filed, all creditors are subject to an “automatic stay”. Essentially that is a security blanket that prevents your creditors from collecting against you, suing you, repossessing or foreclosing on property. Once the case is discharged, this … [Read more...]

Chapter 7 v. Chapter 13: Which Bankruptcy is Right for Me?

When considering a bankruptcy, you and our attorneys will work together to fashion a bankruptcy that best fits your situation. So what is the difference between the available types of bankruptcies?  Chapter 7: Liquidation A Chapter 7 bankruptcy is commonly referred to as a “liquidation” of your debts; it allows you to walk away from your debt and get a fresh start. You will be able to hang onto mortgages and car loans, permitting you are current with those creditors and there is limited equity … [Read more...]


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...]

The Basics of Chapter 7 Bankruptcy

No one sets out in life thinking, "Gee, I can't wait to file bankruptcy." However, there are many circumstances which can lead to dire financial consequences. Whether it's a loss of income because of a job lay off, medical expenses or a messydivorce there might come a time when filing for bankruptcy is the only viable option left open. In terms of personal bankruptcy, there are two options for filing: Chapter 7 or Chapter 13. In either case you'll need the help of an experience Westchester … [Read more...]