Can You Keep One Credit Card Out of Your Bankruptcy?
One question I get all the time in consultations: “Can I keep one of my credit cards out of the bankruptcy — and keep using that card while my case is going on?” It usually comes from a good instinct. People want a safety net for emergencies, or they have...
Read MoreNJ E-ZPass and Port Authority Toll Violations: What New York Filers Need to Know
If you commute between New York and New Jersey, your toll problem probably is not a New York toll problem. The George Washington Bridge and the Lincoln and Holland Tunnels are Port Authority crossings, and the Turnpike and Parkway run on the New Jersey E-ZPass system. When those tolls go...
Read MoreMy Bank Account Was Frozen in New York: Can Bankruptcy Help?
Discovering that your bank account has been frozen can turn an ordinary day into a financial emergency. Your money may still appear in your account, but suddenly you cannot use it to pay rent, buy groceries, cover utilities, or handle other everyday expenses. Even more confusing, you may not fully...
Read MoreFiling Bankruptcy When You Own a Co-op or Condo in NYC
By William Waldner, Esq. — NYC bankruptcy attorney. I have practiced bankruptcy law since 2008, and my firm handles consumer bankruptcy cases exclusively in the Southern and Eastern Districts of New York. Yes — you can file bankruptcy and keep your NYC co-op or condo, and most of my homeowner...
Read MoreFiling Bankruptcy When You’re Self-Employed in NYC: What the Trustee Actually Wants
Filing Chapter 7 or Chapter 13 when you work for yourself in New York City: how the means test treats business income, what SDNY and EDNY trustees ask for, and the tools-of-trade exemption most filers miss.
Read MoreCan You Rent an Apartment After Bankruptcy in NYC?
By William Waldner, Esq. — NYC bankruptcy attorney. I have practiced bankruptcy law since 2008, and my firm handles consumer bankruptcy cases exclusively in the Southern and Eastern Districts of New York. Yes — you can rent an apartment in New York City after bankruptcy, and plenty of my clients...
Read MoreSomeone Put Debt in Your Name? New York’s Coerced Debt Law Just Took Effect
New York's coerced debt law took effect on June 17, 2026, but it only reaches debt incurred on or after that date. What that leaves out, and where a bankruptcy discharge still does the work.
Read MoreNew NYC Debt Collection Rules Start September 1: What Changes If You’re Behind
New York City's rewritten debt collection rules take effect September 1, 2026. A NYC bankruptcy attorney on the three-contact cap, the new dispute right, and what the rules still cannot do.
Read MoreSued for a 10-Year-Old Credit Card? Time-Barred Debt and Zombie Judgments in New York
By William Waldner, Esq. — NYC bankruptcy attorney. I have practiced bankruptcy law since 2008, and my firm handles consumer bankruptcy cases exclusively in the Southern and Eastern Districts of New York. In New York, a creditor generally has only 3 years from your default to sue you on a...
Read MoreCan You File Bankruptcy on Taxes? The 3-Year, 2-Year, and 240-Day Rules Explained
By William Waldner, Esq. — NYC bankruptcy attorney. I have practiced bankruptcy law since 2008, and my firm handles consumer bankruptcy cases exclusively in the Southern and Eastern Districts of New York. Yes — income taxes can be discharged in bankruptcy, and it happens more often than people think. But...
Read MoreKlarna Sent Your Debt to Collections? What Happens to Buy-Now-Pay-Later Debt in Bankruptcy
By William Waldner, Esq. — NYC bankruptcy attorney. I have practiced bankruptcy law since 2008, and my firm handles consumer bankruptcy cases exclusively in the Southern and Eastern Districts of New York. Yes, Klarna, Afterpay, and Affirm send unpaid balances to debt collectors — and yes, buy-now-pay-later debt can be...
Read MoreDebt Settlement vs. Bankruptcy: What the Settlement Companies Don’t Tell You
By William Waldner, Esq. — NYC bankruptcy attorney. I have practiced bankruptcy law since 2008, and my firm handles consumer bankruptcy cases exclusively in the Southern and Eastern Districts of New York. Debt settlement and bankruptcy both aim to resolve debt for less than you owe — but they are...
Read More