Rockland County Bankruptcy Lawyer

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New York City Bankruptcy Attorney | NYC Law Office of William Waldner

For more than twenty years, Attorney William W. Waldner has been a trusted resource for Rockland County residents seeking real relief from unmanageable debt. By dedicating his practice exclusively to bankruptcy law, he offers focused expertise, straightforward guidance, and compassionate support to individuals and families working toward a financial fresh start. With thousands of successful Chapter 7 and Chapter 13 cases, Mr. Waldner recognizes that no two financial challenges are the same, and every client deserves respect, understanding, and a customized path forward. Whether you’re facing creditor harassment, the threat of foreclosure, or mounting debt that feels impossible to overcome, the Law Office of William Waldner is here to help you protect your assets and rebuild your financial future with confidence.

Rockland County Location

We serve the incredible clients of Rockland County from our Pearl River office:
Office Location
Office Hours
  • Monday-Friday: 9am -7pm
  • Saturday: 9am - 5pm
  • Sunday: Closed
For more than twenty years, Attorney William W. Waldner has been a trusted resource for Rockland County residents seeking real relief from unmanageable debt. By dedicating his practice exclusively to bankruptcy law, he offers focused expertise, straightforward guidance, and compassionate support to individuals and families working toward a financial fresh start. With thousands of successful Chapter 7 and Chapter 13 cases, Mr. Waldner recognizes that no two financial challenges are the same, and every client deserves respect, understanding, and a customized path forward. Whether you’re facing creditor harassment, the threat of foreclosure, or mounting debt that feels impossible to overcome, the Law Office of William Waldner is here to help you protect your assets and rebuild your financial future with confidence.

What We Offer in Rockland County

Free Initial Consultation

Every Rockland County client begins with a free consultation. During this conversation, we review your financial situation, answer your questions, and explain all available options. You’ll receive straightforward guidance on whether Chapter 7, Chapter 13, or a non-bankruptcy alternative is the best path toward relief.

Debt Relief and Creditor Negotiations

Bankruptcy isn’t always necessary. When appropriate, Attorney William Waldner can negotiate directly with creditors to reduce balances, modify repayment terms, or stop aggressive collection efforts. For many Rockland County residents, these negotiated solutions provide meaningful breathing room without filing a bankruptcy case.

Post-Filing Support

Our commitment doesn’t end once your case is filed. We continue to help you rebuild credit, make informed financial decisions, and stay compliant with all court requirements and deadlines. Our goal is to guide you not only through the filing process but also toward long-term financial stability and renewed confidence.

William Walder Specializes in Chapter 7 and Chapter 13 Bankruptcy

Chapter 7 (Liquidation)

When you file for Chapter 7 bankruptcy in Rockland County, NY, you gain immediate protection through the automatic stay, a powerful court order that stops creditor harassment, wage garnishment, foreclosure actions, and collection lawsuits the moment your case is filed. Within about three months, most qualifying unsecured debts, such as credit cards, medical bills, payday loans, and personal loans, can be discharged entirely, giving you a clean slate to rebuild your financial future. To qualify for Chapter 7, you must pass the means test, which reviews your income and expenses, and complete a credit counseling course approved by the U.S. Trustee Program.
Although Chapter 7 is sometimes called a “liquidation bankruptcy,” it doesn’t mean you’ll lose everything. In fact, most people are able to keep their home, vehicle, retirement funds, and personal property by using federal or New York State exemption laws. With the help of an experienced Rockland County bankruptcy attorney, you can eliminate overwhelming debt while strategically protecting the assets that matter most.

Chapter 13 (Repayment Plan)

Chapter 13 bankruptcy, often referred to as a “reorganization bankruptcy,” is a powerful debt relief option for individuals and married couples who may not qualify for Chapter 7 but still need a structured way to regain control of their finances. It’s especially beneficial for those with a steady income, significant home equity, or valuable property they wish to keep. Rather than eliminating debt all at once, Chapter 13 allows you to reorganize your obligations into a manageable repayment plan, giving you the opportunity to pay a portion of what you owe while protecting your assets and maintaining long-term financial stability.
If you’ve fallen behind on your mortgage or car payments, Chapter 13 can provide immediate relief. Once your case is filed, an automatic stay goes into effect, stopping foreclosure proceedings, wage garnishments, repossessions, and creditor harassment. Working with an experienced Rockland County bankruptcy attorney ensures your plan is structured to meet both court requirements and your personal financial goals, helping you catch up on overdue payments while keeping your home and other important possessions.
Repayment plans typically last three to five years, during which you make affordable, interest-free monthly payments to a bankruptcy trustee, who then distributes funds to your creditors. When your repayment period ends, any remaining eligible unsecured debt, such as credit cards or medical bills, is discharged, allowing you to move forward with a clean financial slate.

Why Rockland County Residents Choose Attorney William Waldner

Convenient Virtual Bankruptcy Services

Many Rockland County clients value the ability to handle most or all of their bankruptcy cases from home. Our firm provides secure, fully virtual services that make the process simple and stress-free, while still delivering the personal attention and clear communication Attorney Waldner is known for. From your initial consultation to final discharge, you’ll have direct access to an experienced attorney without the inconvenience of unnecessary office visits.

Personalized, Cost-Effective Legal Representation

At many larger firms, much of the work is handed off to assistants or paralegals. At the Law Office of William Waldner, your case is managed personally by Attorney Waldner from start to finish. This hands-on approach improves accuracy, reduces costs, and allows Rockland County residents to benefit from high-quality bankruptcy representation without the inflated fees often associated with big law firms. His focus on efficiency and accessibility means you get exceptional service at a reasonable cost.

Tailored Strategies for Rockland County Clients

Every financial situation is unique, which is why Attorney Waldner takes the time to understand your goals and develop a customized bankruptcy strategy. Whether you need a Chapter 7 discharge to eliminate unsecured debt or a Chapter 13 repayment plan to stop foreclosure and reorganize your finances, you’ll receive guidance that is both strategic and compassionate. From preparing the Means Test to building a sustainable repayment plan, Waldner ensures every step is handled with care and clarity.

Get Free Legal Advice on Bankruptcy and Debt Relief in Rockland County, NY

If you’re struggling with debt, you don’t have to face it alone. The Law Office of William W. Waldner is committed to helping residents of Rockland County find lasting relief through informed, strategic bankruptcy representation. With a combination of legal expertise, affordability, and genuine care, Mr. Waldner and his team help clients stop creditor harassment, protect their assets, and rebuild with confidence.

When you’re ready to take back control of your finances and begin again with dignity, turn to a Rochland bankruptcy lawyer who truly puts your future first—William W. Waldner at Midtown Bankruptcy. Call (212) 244-2882 to get started on your fresh start.

5 Star Reviews

Diane E photo

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.
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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.
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.

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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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