Finding an experienced team of New York City bankruptcy attorneys has never been easier.
To find experienced New York City bankruptcy attorneys, you used to need a referral or wade through a lot of research. Even then, you were never assured of finding the kind of relationship you needed to feel comfortable in what felt like an embarrassing situation. Fortunately, taking the first step and finding experienced and supportive New York City bankruptcy attorneys is no longer a problem.
The New York City bankruptcy attorneys sponsoring Total Bankruptcy are respected and experienced professionals who are readily available to you and happy to provide a free, no-obligation evaluation of your case.
|
New York
49 West 37th Street 7th Floor New York, NY 10018 Map | Directions | Case Evaluation |
New York
24 W. 40th Street 17th Fl New York, NY 10018 Map | Directions | Case Evaluation |
|
|
||
|
New York
111 Broadway 9th Floor New York, NY 10006 Map | Directions | Case Evaluation |
||
|
||
» Back to Locations Map |
||
It's so easy. Considering what you're going through, you deserve a break. You may be able to hire one of our New York bankruptcy attorneys with just a small down payment and then make payments over time. We'll work with you to help ease the burden of a difficult situation. Once you've met with one of our sponsoring bankruptcy attorneys, you'll know you're on the road to a better tomorrow. To find out more, simply call us toll free at 1 (877) 349-1309. Or, use our online case evaluation form.
Is Chapter 13 the right choice for you?
In general, a Chapter 13 bankruptcy case may be better for you than a Chapter 7 bankruptcy in the following circumstances:
You have tax debts. It is very difficult to discharge your tax debts in a Chapter 7 plan. Furthermore, even if you are able to discharge some tax debts through Chapter 7, if the IRS has any recorded tax liens against you, these liens should survive your bankruptcy and still be on your record, and the IRS may seize any property you owned at the time you filed bankruptcy. Accordingly, if a large percentage of your debt involves unpaid federal taxes, and you have the ability to repay them over time, a Chapter 13 may be a better alternative for you than a Chapter 7.
If you have nonexempt property you want to keep. If you have a lot of nonexempt property - property that you would have to give up to your creditors were you to file a Chapter 7, a Chapter 13 may allow you to keep this property.
If you have received a Chapter 7 discharge within the previous eight years. You cannot file another Chapter 7 for eight years.
You want to protect cosigners on your debts. If you had your spouse or parent cosign on an auto or other personal loan for you prior to your filing, a Chapter 7 won't protect your cosigner, and your creditor may go after your family member for the full amount of your debt. If, instead, you file under Chapter 13, your cosigner should be fully protected from your creditors as long as you make your payments under your repayment plan.
You want to consolidate your student loans. Although you can't discharge your student loans in a Chapter 7, you may be able to include them in your Chapter 13 repayment plan and repay them over time.
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.