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Get immediate protection from creditors and a clear path to financial freedom through experienced bankruptcy representation.
Hear from Our Customers
The phone stops ringing with collection calls. Your wages stay in your paycheck instead of being garnished. You sleep through the night without worrying about losing your home.
Most people don’t realize how quickly bankruptcy protection kicks in. The moment your case is filed, federal law creates an automatic stay that stops all collection activities immediately. Creditors can’t call you, sue you, or take your property.
Within 3-4 months for Chapter 7 or 3-5 years for Chapter 13, you’ll have eliminated most of your debt and can start rebuilding your credit. Many clients see their credit scores improve within a year because they no longer have overwhelming debt dragging them down.
We have been helping families in The Terrace, NY navigate financial crises and find real solutions to overwhelming debt. We understand the local economic challenges that many residents face and the impact they have on working families.
Unlike high-volume bankruptcy mills, we take time to understand your specific situation and explain your options clearly. Every case gets personal attention because we know that behind every bankruptcy filing is a real person dealing with real stress.
Our office handles both Chapter 7 and Chapter 13 bankruptcies, foreclosure defense, and debt relief matters exclusively in New York courts. We know the local trustees, understand the process, and can guide you through it step by step.
Your first consultation is free and confidential. We’ll review your debts, income, assets, and goals to determine if bankruptcy is right for you and which chapter makes the most sense. No judgment, just clear information about your options.
If you decide to move forward, we’ll gather the necessary financial documents and prepare your bankruptcy petition. Once filed, the automatic stay goes into effect immediately, stopping all collection activities. Most clients feel relief within hours of filing.
For Chapter 7, you’ll attend one brief meeting with the bankruptcy trustee about 30 days after filing. Most cases are completed within 3-4 months with your debts discharged. Chapter 13 involves a payment plan that typically lasts 3-5 years, allowing you to catch up on mortgage payments while eliminating other debts.
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We handle all aspects of personal bankruptcy cases, from initial consultation through final discharge. Our services include Chapter 7 liquidation bankruptcies for those who qualify based on income, and Chapter 13 reorganization plans for higher earners or those who want to keep their homes.
Foreclosure defense is often part of our bankruptcy practice. If you’re behind on mortgage payments, Chapter 13 can stop foreclosure proceedings and give you up to five years to catch up on missed payments while keeping your home.
We also provide debt relief counseling to help you understand all your options before filing. Sometimes bankruptcy isn’t necessary, and we’ll tell you honestly if there’s a better solution for your situation. Our goal is to help you make the best decision for your family’s financial future.
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