3 EASY STEPS TO A FRESH START ON YOUR FINANCIAL FUTURE
Step 1.
Schedule a free, no obligation consultation with leading New York 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, 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, 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 bankruptcyMore 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
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- Stop collection efforts, wage garnishment, or foreclosure
- Keep your house, car, and other valuable assets
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- 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 New York 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
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 NYC bankruptcy lawyer does not delegate his services to paralegals or legal clerks, but actively works each and every case his firm represents. With over 10 years of bankruptcy attorney experience in New York, 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>
