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Bankruptcy Attorney in New York, New York

Bankruptcy offers debt relief for individuals, couples, and businesses. Most personal bankruptcy matters are covered by Chapter 7 or Chapter 13 of the U.S. Bankruptcy Code. In either case, couples or individuals are able to find a solution to their debt problems. If you're considering filing for bankruptcy, see how I can help. Schedule a free consultation with my firm, the Law Office of Beverly Robin Burt, in New York, New York. I serve clients throughout Long Island, Staten Island, Westchester County, and the five boroughs.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy applies to low-income individuals and families with credit card and other types of unsecured debt. A Chapter 7 bankruptcy will discharge or eliminate most of these kinds of debt. The debtor gains a new start and is free from the worry of collections and harassment. Chapter 7 Bankruptcy takes as little as 4 to 5 months to resolve.

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Chapter 13 Bankruptcy

In a Chapter 13 bankruptcy, the debtor is able to keep all of his or her property under a payment plan type of arrangement lasting from 2 to 5 years. This is a good option for those who own homes or have other holdings that they do not wish to surrender.

Automatic Stay

An automatic stay is put into effect in most cases that stops all collection actions. This means that foreclosure of property, wage garnishments, and repossessions are halted.

In a Chapter 13 Bankruptcy, the repayment plan will restructure the debt, allowing the debtor to catch up on the arrears payments due in a way that is feasible based on income.

In a Chapter 7 Bankruptcy, the past due balance may be completely eliminated.

Life After Bankruptcy

Debtors are given a chance to start over. Bankruptcy is reported by credit agencies for 10 years, whereas judgments can last even longer. Schedule a free consultation today to start moving forward. Contact my firm in New York, New York, for guidance.