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- Are you facing foreclosure of your home?
- Are you receiving calls from creditors?
- Has your bank account been frozen?
- Has your paycheck been garnished?
- Are you being sued by a credit card company?
- Are you being sued for unpaid medical bills?
If you have answered yes to any of the above questions, then bankruptcy can be an option for you. New York’s bankruptcy laws are in place to protect people just like you. You do not have to face this situation alone, we can use the bankruptcy laws to protect you.
We anticipate and address the issues in your bankruptcy case so your petitions are prepared fast, and ready for approval, the first time.
The first step in the process is to meet with a bankruptcy attorney from New York’s Spodek Law Group P.C. to determine if you qualify for bankruptcy protection. At our initial consultation, we will review your financial situation with you and determine whether a chapter 7 or Chapter 13 bankruptcy is available for you. We will need a general understanding of your assets and liabilities.
Once we are retained we deal with all of your creditors. We let them know that you are represented by our firm, and that going forward they are to have no contact with you.
At Spodek Law Group P.C. a New York bankruptcy attorney handles your case from start to finish and is available directly to answer any questions. At no point is your case assigned to a legal assistant or paralegal. Sometimes the decision to file for bankruptcy can be overwhelming, even if you qualify.
- Are you the type of person who has mail stuffed in a drawer or corner of your home?
- Are your bank statements and credit card bills still in their envelopes?
- Do you receive only paper statements, and refuse to use online banking?
- Are you scared of going through your documents, mortgage statements, or pay stubs?
- Are you scared of going to court?
- Are you scared of speaking to a trustee? Are you scared of public speaking?
These are common problems, and we can address each and everyone of them with you.
We understand that sometimes the amount of paper accumulated from credit card bills, medical bills, lawsuits, judgments and junk mail can be overwhelming. It becomes impossible to keep track of the documents and they wind up one big pile. We encourage our clients to just bring whatever documents they have to our office and we can organize them, and store them electronically.We take the stress out of this situation so that you can focus on the things that matter most to you.
Are you embarrassed by the situation you find yourself in? Have you always been someone who pays their bills on time and feel ashamed that you can no longer here to do that?
We are here to remind you that there is absolutely nothing to be embarrassed about. New York bankruptcy laws were enacted to help people in your exact situation get back on their feet.
Each year your debt increases dramatically and makes it harder and harder for you to catch up. As our client, you can rest assured that you are stopping this cycle so that you can move on in the right direction. We tackle the problem for you and help you regain control of your situation.
Our clients return to our office year after year to thank us. The stress of dealing with their financial problems is gone. They have established new credit and have received new credit cards. They have gone on to purchase cars and new homes.
Did you start a restaurant or small business that is behind on its bills? New York is full of small businesses that don’t make it. Whether it’s a small restaurant, a store, or a service provider, business debts are tremendously difficult to manage. Trying to make a small business work is a great challenge. Often times the business owner is personally responsible for the debt and sometimes can cause personal debt as well. Our firm has experience assisting small business owners who need to file for bankruptcy in New York.
What documents Will We Need?
To file for bankruptcy in New York, our lawyers will need copies of the following documents:
|1.||Government issued photo ID (for example a driver’s license with your correct address)|
|2.||Social security card|
|3.||Pay-stubs for the past sixty (60) days and all stubs to the date of filing,|
|4.||Federal tax return filed for the past two years|
|5.||Information about each creditor you owe. We must be given the creditor’s name, address, account number and the amount you owe. Please send us the last statement sent to you by each of your creditors|
THE BANKRUPTCY PROCESS:
Filing for chapter 13 or chapter 7 bankruptcy usually follows the following steps:
|1.||RETAIN OUR OFFICE: Your case is assigned a “B” file number. We start preparing your petition for transmittal to the NYC bankruptcy court. We speak to your creditors when they call our office regarding your account. We will confirm to callers that you are a client of our office. True protection from creditor harassment is obtained when your petition is filed with the Bankruptcy Court of New York. You should tell creditors that call that you are filing bankruptcy and that you are represented by Spodek Law Group P.C..|
|2.||MEANS TEST ANALYSIS: If your income is “above average” we will analyze your income and expenses by application of the so called “financial means test”. From the results we will advise if chapter 7 bankruptcy is available to you. If it is not then we will discuss your options under chapter 13 bankruptcy.|
|3.||PRE-FILING CREDIT BRIEFING: A precondition of being able to file for bankruptcy is completing a “credit briefing” session. This can be done by telephone or over the Internet. Our office will arrange for this service that is provided by an independent credit counseling service.|
|4.||PETITION FILED: Your bankruptcy petition has been accepted at the NYC Bankruptcy Court for filing. A court case number (docket number) has been assigned. A court order is issued that protects you against collection efforts.|
|5.||THE COURT HEARING: You and qualified New York bankruptcy attorney from our office will attend a court hearing before the case trustee. This hearing is known as the “meeting of creditors”. At the hearing the facts and circumstances of your case will be reviewed.|
|6.||POST-FILING CREDIT BRIEFING: A precondition of obtaining a Discharge is completing a “financial management class” session. This can be done by telephone or by the Internet. Our office will arrange for this service that is provided by an independent credit counseling service.|
|7.||DISCHARGE GRANTED: The time for any creditors who may have had grounds to object to your Discharge has passed. The Bankruptcy Court issues you a Discharge Certificate. Your case has been successfully completed.|
Page updated on 11/15/13.