Is Chapter 13 right for you? Call our New York bankruptcy attorneys and find out for sure.
Our New York bankruptcy attorneys should take the guesswork out of your current situation. When you meet with them, you can explain the details of your predicament and ask as many questions as you please. Our New York bankruptcy attorneys believe it's their job to make you feel comfortable about working with them.
If you're wondering about filing a Chapter 13, our New York bankruptcy attorneys may explain that such a move is appropriate if you have a job or some other source of regular income. If you choose this option, our New York bankruptcy attorneys may then file your petition for a Chapter 13 case that would liquidate the majority of your debts while also setting up a doable repayment plan for money you would still owe.
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Albany
314 Great Oaks Blvd. Albany, NY 12203 Map | Directions Case Evaluation | Coverage |
Brooklyn
26 Court Street Suite 2211 Brooklyn, NY 11242 Map | Directions Case Evaluation | Coverage |
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Flushing
10818 Queens Blvd Floor 4 Suite 3 Flushing, NY 11354 Map | Directions Case Evaluation | Coverage |
Middletown
225 Dolson Ave. Suite 303 Middletown, NY 10940 Map | Directions Case Evaluation | Coverage |
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Monticello
10 Saint John St. Monticello, NY 12701 Map | Directions Case Evaluation | Coverage |
New York
111 Broadway 9th Floor New York, NY 10006 Map | Directions Case Evaluation | Coverage |
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New York
225 W. 34th Street Suite 300 New York, NY 10122 Map | Directions Case Evaluation | Coverage |
Rochester
Two State Street 1600 Crossroads Building Rochester, NY 14614 Map | Directions Case Evaluation | Coverage |
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Syracuse
4306 East Genesee Street Syracuse, NY 13214 Map | Directions Case Evaluation | Coverage |
Wappingers Falls
939 Route 376 Suite 3 Wappingers Falls, NY 12590 Map | Directions Case Evaluation | Coverage |
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White Plains
One Water Street White Plains, NY 10601 Map | Directions Case Evaluation | Coverage |
Woodbury
40 Crossways Park Drive Woodbury, NY 11979 Map | Directions Case Evaluation | Coverage |
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You should start now by exploring Total Bankruptcy - a site that is sponsored by our bankruptcy attorneys - and read the segments on Chapter 13 bankruptcy. Here are just a few of the highlights:
A Chapter 13 case begins with the preparation and filing of your bankruptcy petition. In your petition, you are required to list certain personal information about yourself, your spouse, and your family, and you must set forth all of your income, your property (assets), your expenses, and all debts (liabilities). Additionally, you must select the specific exemptions to which you are entitled.
Shortly after you file your petition, the court clerk should send a notice of your case to all of the creditors listed in your petition. After that, your case will be assigned to a court-appointed trustee, who will review your case. The court will also issue an Automatic Stay order. This order prohibits your creditors from collecting their debts from you, from repossessing your car or other property, and from starting or continuing any legal actions against you.
A solid repayment plan is vital to your future success
Your repayment plan is an agreement between you and your creditors in which your creditors agree to forgive a portion of your debts to them in exchange for your commitment to repay your reduced debts over time. Most plans require you to make monthly payments to the bankruptcy trustee -- a federal official who is appointed by the court to oversee your case -- who in turn makes distributions to your creditors. Typically, your repayment plan will last from three to five years. While you are making payments under a repayment plan, your creditors cannot take any collection actions against you, and they are required by law to abide by the terms of your repayment plan.
If you would like to know more about Chapter 13 and your legal options, simply dial our toll free number, (877) 349-1309. You may also stop by one of our office locations or fill out our secure online case evaluation form.
Click Here For a Free Bankruptcy Evaluation
The purpose of this web site is to help you learn everything you need to know about bankruptcy, the process, your bankruptcy attorney and your legal rights. The best place to start is with the U.S. Bankruptcy Code. It delivers protection to people in financial jeopardy who are suffering under mountains of debt. Bankruptcy is your legal right.