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Hear from Our Customers
The phone stops ringing at dinner time. You sleep through the night without worrying about foreclosure notices. Your paycheck stays in your account instead of going to wage garnishment.
That’s what happens when you file for bankruptcy with proper legal guidance. Chapter 7 bankruptcy can eliminate credit card debt, medical bills, and personal loans in as little as four months. Chapter 13 bankruptcy lets you keep your home while paying back what you can afford over three to five years.
You’re not just getting rid of debt. You’re getting your life back. No more hiding from creditors or avoiding the mailbox. Just a clear path forward and the chance to rebuild your finances the right way.
We have been helping Terryville families navigate bankruptcy and debt relief for years. We understand how New York’s exemption laws work and what you can protect during bankruptcy.
Most people think bankruptcy means losing everything. That’s rarely true in New York. You can often keep your home, car, retirement accounts, and personal belongings while eliminating the debt that’s crushing you.
We’ve seen every type of financial situation. Job loss, medical bills, divorce, business failure. There’s no judgment here, just practical solutions that work within New York bankruptcy law.
First, we review your complete financial picture during a consultation. Income, expenses, debts, assets. This determines whether Chapter 7 or Chapter 13 bankruptcy makes more sense for your situation.
Next, we prepare and file your bankruptcy petition with the court. The automatic stay goes into effect immediately, which stops all collection activity, foreclosure proceedings, and wage garnishments. The creditor calls stop that day.
Then we guide you through the process. There’s a meeting of creditors about 30 days after filing, but it’s usually brief and straightforward. In Chapter 7 cases, you typically receive your discharge in about four months. Chapter 13 cases involve a payment plan that lasts three to five years, but you keep your assets while paying what you can afford.
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We handle both Chapter 7 and Chapter 13 bankruptcy cases, plus foreclosure defense when you need to protect your home. Chapter 7 works best when you have limited income and want to eliminate unsecured debts quickly. Chapter 13 is better when you have regular income and want to catch up on mortgage payments while keeping your house.
Many Terryville clients come to us facing foreclosure. We can often stop the foreclosure process and negotiate solutions that let you keep your home. Sometimes that means filing Chapter 13 to catch up on missed payments. Other times we can work out loan modifications or other alternatives.
You also get guidance on rebuilding credit after bankruptcy. Most people can qualify for secured credit cards within months of discharge and see their credit scores improve steadily when they follow the right steps.
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