White Plains Bankruptcy Lawyer

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

For over two decades, William W. Waldner has been a leading resource for bankruptcy guidance, dedicating his entire practice to helping people break free from overwhelming debt. Serving clients in White Plains and the surrounding Westchester area, he provides clear, compassionate support in both Chapter 7 and Chapter 13 cases. Attorney Waldner is committed to protecting your income, your assets, and your peace of mind while putting an immediate stop to creditor pressure. His deep experience in New York bankruptcy courts and his personalized, client-first approach make him a trusted choice for White Plains residents ready to rebuild their financial future.

White Plains Location

Office Location
Office Hours
  • Monday-Friday: 9am -7pm
  • Saturday: 9am - 5pm
  • Sunday: Closed

Services We Provide to White Plains

Complimentary Case Evaluation

Every client begins with a no-cost consultation, during which we review their financial circumstances in detail. This conversation helps us understand your goals and determine whether Chapter 7, Chapter 13, or a non-bankruptcy alternative aligns best with your needs. You’ll receive straightforward, practical advice to help you move forward with confidence.

Customized Debt Solutions and Negotiations

Not every situation requires a bankruptcy filing. When possible, William W. Waldner works directly with creditors to negotiate lower balances, improved repayment terms, or immediate relief from aggressive collection efforts. These out-of-court approaches can offer meaningful financial breathing room for many Yonkers residents.

Ongoing Guidance After Your Case

Support doesn’t stop once your paperwork is filed. We continue to assist you with rebuilding your credit, managing future financial decisions, and staying on track with court requirements. Our goal is to help you not only complete your case but also create a stable and sustainable financial future.

William Walder Specializes in Chapter 7 and Chapter 13 Bankruptcy

Chapter 7 (Liquidation)

When you file for Chapter 7 bankruptcy in White Plains, you are instantly protected from creditors and wage garnishment, and your personal debts are usually dismissed (wiped clean) within three months of filing. You must pass the means test and attend credit counseling to qualify for Chapter 7 bankruptcy in White Plains.

Typically, chapter 7 bankruptcy requires a person to liquidate their assets in order to repay their creditors as much as possible before the remaining debt is wiped clean, but there are many exceptions, and hiring an experienced White Plains 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 (Repayment Plan)

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 bankruptcies, or who have substantial equity in real estate.

If you are behind on your mortgage payments, retaining the services of a White Plains Bankruptcy attorney to assist you in filing Chapter 13 can prevent foreclosure and keep you in your home. With Chapter 13, you repay a portion of your debt to your creditors interest-free over the course of 3 to 5 years. With a few exceptions, such as student loans, your remaining debt is discharged when the repayment period expires. The benefits of Chapter 13 bankruptcy include debt reduction, a manageable repayment plan, and the ability to keep non-exempt assets that would normally be liquidated in Chapter 7 bankruptcies.

How the Bankruptcy Process Works in White Plains

Filing for bankruptcy involves several key steps, all of which are designed to safeguard your rights while bringing clarity and structure to your debts.

  1. Credit Counseling
    Before you file, you must complete an approved credit counseling course. This step helps you understand your financial picture and whether bankruptcy is your best option.

  2. Filing the Petition & Schedules
    We prepare and submit a formal petition along with detailed schedules outlining your assets, liabilities, income, and expenses. This gives you the legal protection known as the “automatic stay,” halting creditor actions.

  3. Meeting of Creditors (341 Hearing)
    About a month after filing, you’ll attend a meeting with the trustee and any creditors who choose to appear. This is not adversarial—it’s a chance for questions about your financial disclosures.

  4. Financial Management Course
    After your case is filed, you’ll take another short, approved educational class to help you manage money going forward.

  5. Discharge or Confirmation

    • In a Chapter 7 case, once all requirements are met, many qualifying debts are discharged (eliminated).

    • In a Chapter 13 case, your repayment plan is confirmed, and once you fulfill it (typically over 3–5 years), the remaining dischargeable debts are wiped out.

  6. Rebuilding Your Credit
    After bankruptcy, you begin rebuilding by establishing responsible credit habits—small secured cards, timely payments, and slowly increasing your credit profile.

Why White Plains Residents Choose Attorney William Waldner

Flexible Virtual Bankruptcy Services

Many clients in White Plains value the privacy and convenience of completing their bankruptcy process from home. Our firm provides secure, fully virtual services that simplify each step without compromising the personal attention and clear communication Attorney Waldner is known for.

Decades of Focused Bankruptcy Experience

William W. Waldner has devoted his entire legal career to bankruptcy and debt relief. With extensive experience in Chapter 7, Chapter 13, and small-business cases, he offers strategic, hands-on guidance tailored to the unique financial circumstances of White Plains residents. Every recommendation is designed to achieve meaningful, long-term debt relief.

Knowledge of Local Courts and Procedures

Attorney Waldner routinely assists clients throughout White Plains and Westchester and is well-versed in the procedures, trustees, and expectations within the Southern District of New York. Our practice ensures efficient filings, steady communication, and easy access to virtual or in-office meetings. White Plains clients rely on our combination of deep legal knowledge, practical solutions, and supportive service throughout the bankruptcy process.

Get Free Legal Advice on White Plains Bankruptcy and Debt Relief

William Waldner, a bankruptcy lawyer in White Plains, offers free legal advice to people considering bankruptcy as a form of debt relief. If you need help surmounting extensive credit card debt, saving your home from foreclosure, stopping collection efforts, or simply want to learn more about the advantages and disadvantages of filing for White Plains bankruptcy, call (914) 559-9500 or contact The Law Office of William W. Waldner by using our online contact form for a free in-depth consultation with William Waldner. During your free consultation, you will learn if filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy is the best strategy for your situation.

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.

Steven S photo

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.

Call Today For A Free Consultation

Frequently Asked Questions about Bankruptcy in White Plains

When should you consider filing for bankruptcy in White Plains?

Bankruptcy is a legal process designed to help individuals and families who have fallen too far behind on their financial obligations to recover realistically. It allows people to either reorganize their debts or have certain obligations legally discharged, with the ultimate purpose of providing relief and a fresh start, without the risk of losing everything they own.
In the past, bankruptcy was often viewed negatively, seen as a sign of personal failure or poor financial management. These outdated perceptions no longer reflect reality. Today, bankruptcy is recognized as a legitimate financial tool that exists to protect individuals, restore stability, and create opportunities to rebuild a secure financial future.
If you’re grappling with persistent collection calls, constant creditor demands, or notices of wage garnishment, these are serious signals that your financial situation is at risk. When monthly income no longer covers basic living expenses, and you repeatedly delay or skip payments, the strain can turn into a cycle that’s difficult to escape. Other red flags include:
  • Receiving lawsuits or judgments from creditors
  • Facing home foreclosure or vehicle repossession
  • Seeing multiple credit card accounts maxed out
  • Owing back taxes or having tax levies issued
  • Having medical bills spiral out of control
  • Realizing you must borrow more just to pay minimums
Recognizing these signs early can give you more control over your options and help you choose a path that protects your future.
The timeline for a bankruptcy case varies based on the chapter you file. A Chapter 7 bankruptcy is typically resolved within four to six months, offering a relatively quick path to debt relief. In contrast, a Chapter 13 case requires a repayment plan lasting three to five years, making the process longer but often more beneficial for those who need to catch up on mortgage or car payments. At Midtown Bankruptcy in White Plains, we guide you through every step so you have a clear understanding of the process and realistic expectations for your case.
Yes. When you file for bankruptcy, the court issues an automatic stay, which immediately stops foreclosure actions, wage garnishments, repossessions, and most debt collection efforts. This legal protection provides you with the breathing room to regroup financially, without the constant pressure of creditors. Our White Plains bankruptcy attorney acts quickly to file your case and put these protections in place right away, helping you safeguard your income and assets while you work toward a fresh financial start.