Navigating Frozen Bank Accounts in New York
Why Was My Bank Account Frozen? For many people, a frozen account seems to happen out of nowhere. A debit card is declined, an ATM withdrawal fails, or the bank sends a notice saying the account has been restrained. For ordinary consumer debt, a bank generally does not freeze an account just because a creditor […]
Filing 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 clients do. New York’s homestead […]
Filing 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.
Can 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 sign leases within months of […]
Someone 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.
New 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.
Sued 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 credit card or other consumer […]
Can 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 only income taxes, and only […]
Klarna 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 wiped out in bankruptcy. BNPL […]
Debt 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 not close cousins. Settlement is […]