Bankruptcy New York City
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3 EASY STEPS TO A FRESH START ON YOUR FINANCIAL FUTURE

Step 1.

Schedule a free, no obligation consultation with leading bankruptcy lawyer, William Waldner.

Step 2.

Get expert counsel on which chapter of bankruptcy will provide the best form of debt relief for you.

Step 3.

Let Mr. Waldner go to work, halting collection efforts, protecting your assets, & discharging your debts

 

Chapter 7 or Chapter 13?

Find out which is best for you. Call today.

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy, also known as “fresh start” bankruptcy, is a form of debt relief intended to help individuals and families who are overwhelmed with unsecured debt, such as credit card debt, medical bills, and personal loans.

Advantages of partnering with a debt relief firm to file chapter 7

  • Stop collection efforts and wage garnishment
  • Get a fresh start on your financial future
  • Become debt free within 3 months of filing
  • protect your personal property
Chapter 13 Bankruptcy?

Chapter 13 Bankruptcy, also known as “reorganization bankruptcy” is a form of debt relief intended to help married couples or individuals who are overwhelmed with debt, but make too much money to qualify for chapter 7 bankruptcy, or who have substantial equity in real estate.

Advantages of partnering with a debt relief firm to file chapter 13

  • Stop collection efforts, wage garnishment, or foreclosure
  • Keep your house, car, and other valuable assets
  • Reduce the amount of debt you owe
  • Negotiate an interest free repayment plan with creditors.

More on Chapter 7 Bankruptcy

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy, also known as “fresh start” bankruptcy, is a form of debt relief intended to help individuals and families who are overwhelmed with unsecured debt, such as credit card debt, medical bills, and personal loans.

Advantages of partnering with a debt relief firm to file chapter 7

  • Stop collection efforts and wage garnishment
  • Get a fresh start on your financial future
  • Become debt free within 3 months of filing
  • protect your personal property

Filing for chapter 7 bankruptcy in NYC immediately protects you from collection efforts and wage garnishment and your personal debts are usually discharged (wiped clean) within 3 months of filing. To qualify for chapter 7 bankruptcy in New York, you must pass the means test and attend credit counseling.

Typically, chapter 7 bankruptcy requires a person to liquidate their assets to pay back their creditors as much as possible before the remaining debt is wiped clean, but there are many exceptions to this requirement, and hiring an experienced, NYC bankruptcy lawyer is your best bet for eliminating credit card debt, medical bills, and personal loans while keeping valuable assets, such as your house, car, sentimental heirlooms or property.

learn more about chapter 7 bankruptcy

More on Chapter 13 Bankruptcy

Chapter 13 Bankruptcy?

Chapter 13 Bankruptcy, also known as “reorganization bankruptcy” is a form of debt relief intended to help married couples or individuals who are overwhelmed with debt, but make too much money to qualify for chapter 7 bankruptcy, or who have substantial equity in real estate.

Advantages of partnering with a debt relief firm to file chapter 13

  • Stop collection efforts, wage garnishment, or foreclosure
  • Keep your house, car, and other valuable assets
  • Reduce the amount of debt you owe
  • Negotiate an interest free repayment plan with creditors.

If you are behind in your mortgage payments, hiring a NYC Bankruptcy attorney to help you file chapter 13 can stop foreclosure and keep you in your home. With chapter 13 you pay back a portion of your debt to your creditors, interest free, under a repayment plan that spans between 3 and 5 years.

When the repayment period expires, your remaining debt is discharged with a few exceptions such as student loans. Advantages of debt relief through Chapter 13 bankruptcy include reductions in debt, a repayment program you can handle, and keeping your non-exempt assets normally liquidated in chapter 7 bankruptcy.

learn more about chapter 13 bankruptcy

 

How Bankruptcy Can Help You

  • Become Debt free with a bright financial future
  • Fast Debt Relief (Most Clients Are Debt Free In 3 Months)
  • Stop Collection Efforts, Wage Garnishments & Foreclosure
  • Save Thousands Of Dollars In Restitution To Creditors
  • Protect Your Valuable Assets From Your Creditors
  • High Quality Representation & Expert Legal Counsel

 

 

Why Clients Trust the Law Offices of William Waldner

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William Waldner is one of New York’s most trusted bankruptcy lawyers, with a career dedicated to helping individuals recover from debilitating debt and a reputation built upon quality legal representation at surprisingly affordable rates. Featured in U.S. News, The Street, CNN iReport, and CBS New York, Mr. Waldner’s expertise distinguishes him as an authority on personal finance and bankruptcy. To ensure his clients receive the highest quality of legal representation, Mr. Waldner does not delegate his services to paralegals or legal clerks, but actively works each and every case his firm represents.  With over 8 years of experience, he has helped hundreds of clients find relief from debilitating debt, wage garnishment and collection efforts, while protecting their personal property and helping them restore their credit score. If you are struggling with debt, William Waldner may be able to help. Take the first step on securing a bright financial future that is debt free and full of opportunity by calling now to schedule a free, no-obligation consultation. Learn more>

William Waldner Featured In…

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Notes From Our Clients

  • I highly recommend Mr. Waldner without hesitation. I honor his customer-oriented approach, integrity and his deep knowledge of the subject matter. Despite the complexity of my case (for a flat fee), he put all the attention necessary to bring it to a successful resolution. He is proactive, always on top, responsive and takes the time to explain the process. He's my second lawyer for bankruptcy and I'm glad I switched to Mr. Waldner. Thank you so much.
    Bertrand, a Chapter 7 client
  • I was very happy with the services provided by Mr Waldner. Reassuring but well grounded, my risks where well explained to me. I made the decisions with good info on my side. His knowledge of the system is vast and he lends it easily. Thanks to this, my experience was very smooth.
    Pablo, a Chapter 13 client
  • I'm so glad my friend told me about Mr. Waldner. He made me feel comfortable through the process and everything he said was 100% accurate, its tough out and he's a great attorney!
    Joanna, a Chapter 7 client
  • I came to Mr. Waldner at a tough time financially and he was able to help me with my Ch. 7 filing. He is professional to the utmost and made me feel confident and always kept completely informed throughout the process. I highly recommend him and his firm.
    Al, a Chapter 7 client
  • If you live in the New York City area and are looking for an attorney to handle your bankruptcy then Mr. William Waldner is your man. He was recommended to me by a friend so I did some research online. Read several very favorable reviews and decided that he definately was what I was looking for. Mr. Waldner was extremely diligent in handling all that pretails in filing banckrupt. Mr. Waldner was very patient and informative with all my questions. Mr. Waldner handled those creditors that were harassing me daily. I was very pleased with the overall experience I had at The Law Offices of William Waldner
    Frances, a Chapter 13 client
  • I have known William for more than 2 years and can say without hesitation that he provides outstanding service to all his clients. He treats each one with the respect and dignity they deserve during what are their most difficult economic situations. He is professional and courteous, always ready to answer his client's questions. He is honest and trustworthy. William is an outstanding attorney and extremely knowledgable of the complicated area of bankruptcy. He possesses integrity and is an expert in his field. I highly recommend William for your bankrupcty case.
    Angela, a Bankruptcy client

5 Star Reviews on Yelp + Google

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We Can Help You. Call Today (212) 244-2882