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3 EASY STEPS TO A FRESH START ON YOUR FINANCIAL FUTURE

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
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.

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 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.

How Bankruptcy Can Help You

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. 

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William Waldner

Forbes Councils Member | COUNCIL POST

There are a number of options that can help get you and your business get through to brighter times.
Bankruptcy is never ideal. But even when the situation seems most dire, you do have options, and you are in control.
Even when working with a lawyer and accountant, there are some preliminaries you can consider on your own to prepare yourself for those conversations and help your professionals give you the best advice possible.

Client Success Stories

5 Star Reviews on Yelp + Google

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

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

REAL PEOPLE. REAL RESULTS

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5 Star Reviews

Diane Evans

Diane E.

WOULD HIGHLY RECOMMEND HIM TO ANYONE IN NEED OF SUCH SERVICES.

I worked with William on an extremely difficult and stressful bankruptcy case. William is terrific! Responsive and caring attorney who got a very bizarre situation resolved for me, was able to work with my mortgage company and get me my life back! Even long after my case was discharged he continues to be there for questions and support to the point where I now consider him a treasured college and dare I say friend. Very knowledgeable in bankruptcy law, super communicative and caring.

Rohan M

Rohan M.

I WAS VERY SATISFIED AND WOULD HIGHLY RECOMMEND YOUR LAW FIRM.

With my experience, you've done a great job, everything went quickly and Smooth. Your explanation and guidance was clear and very easy to follow. I was very satisfied and would highly recommend your law firm.

Luis T.

Luis T.

I WOULD HIGHLY RECOMMEND HIS SERVICES TO ANYONE.

My experience with the Law Office of William Waldner was extremely beneficial. The process for me was frightening at first but Mr. Waldner made me feel at ease. It was a great experience during which he helped me by explaining everything clearly, working with me on payments, which were affordable. The entire atmosphere was professional, quick and efficient. Everything was fast and simple and I would highly recommend his services to anyone.

Chris Z

Chris Z.

IN MY OPIONION HE IS THE BEST.

I finally found an honest, experienced and affordable attorney in NYC. I Interviewed a few dozen before I found Mr. Waldner and in my opinion he is the best.

Shawn H.

Shawn H.

WOULD HIGHLY RECOMMEND HIM TO ANYONE IN NEED OF SUCH SERVICES.

My experience with William Waldner was more than excellent - it was fantastic! From my first consultation meeting to the actual hearing, he always made me feel at ease and gave me all the information and tools I needed to feel 100% confident that my case would be a slam dunk. He was attentive and had genuine interest and concern for my individual case, while at the same time managed to be efficient and respond to my questions and concerns very quickly. All of this being said and after much research into other attorneys, his fee was very reasonable. With William's help, I can now focus on my future and I am on track to achieve financial freedom.

Steven S.

Steven S.

WOULD HIGHLY RECOMMEND WILIAM WALDNER.

I assisted a close friend during her bankruptcy experience and discovered the William Waldner office in midtown Manhattan. Mr Waldner thoroughly explained the bankruptcy process, reviewed options and patiently walked her through the process. He is a highly skilled professional, client focused and accommodated my friend, who is plagued with health problems. We highly recommend William Waldner.

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