Does the Chapter 13 Trustee Watch Your Income?
If you’re considering Chapter 13 bankruptcy in New York City, you might be wondering: will the trustee monitor your income throughout the entire plan? The answer is yes—but with important limits. While Chapter 13 trustee monitoring exists, it’s far less invasive than most people fear. Let’s walk through what the trustee reviews, when they might […]
Understanding Chapter 13 Lawyer Fees in NYC
Filing for bankruptcy is stressful enough without wondering how you’ll pay your attorney. Fortunately, Chapter 13 lawyer fees offer more flexibility than you might think—especially in New York City. In this post, we’ll explain how attorney fees work in Chapter 13, what you need up front, and why this setup benefits clients who need strong […]
Welcome to 2025: Debt and the City
It’s a new year in New York—but for many, the same financial pressures continue to mount. If you’re struggling to keep up with rent, bills, or credit cards, you’re far from alone. NYC bankruptcy trends are shifting fast, and if you’re watching your budget tighten, these changes matter. Whether you’re considering Chapter 7, Chapter 13, […]
Thinking About Using AI to File Bankruptcy? Read This First
In today’s digital age, it’s no surprise that more people are turning to AI bankruptcy tools and court websites to file for bankruptcy on their own. These services promise a cheaper, faster way to get out of debt—no lawyer required. But as a New York City bankruptcy attorney with over 15 years of experience, I’ve […]
Chapter 13 and Foreclosure: Stopping the Auction and Keeping Your NYC Home
An auction date on your home is the point where a foreclosure stops being paperwork and becomes a deadline. If you are there — or close to it — the useful question is not whether bankruptcy is a good idea in the abstract. It is what filing actually does to a scheduled sale, how much […]
“Too Broke to File Bankruptcy? Why That’s the Biggest Lie Debt Collectors Want You to Believe”
🚨 Too Broke to File Bankruptcy? Why That’s the Biggest Lie Debt Collectors Want You to Believe Meta Description:Think you’re too broke to file for bankruptcy? Learn the truth about Chapter 7 and 13, hidden fees, and how you can still get relief—without draining your last dollar. The Debt Trap: When You Can’t Afford to […]
💣 Drowning in Debt? Here’s the Brutal Truth About Bankruptcy (and How It Could Save Your Life)
Why Most Debt Relief Advice Is Dead Wrong Let’s cut through the noise. You’ve probably been told to “just pay the minimum” or “try debt consolidation first.” But if your debt is snowballing, these “solutions” only delay the inevitable. Here’s the truth: Most people wait far too long to explore bankruptcy—by the time they do, […]
Discharging NYC Parking Tickets with Bankruptcy – Why Only Chapter 13 Works
Introduction Dealing with piles of NYC parking tickets can be stressful. Nobody wants booting, license suspensions, or unrelenting fines. The question that often comes up: can parking tickets be wiped out by filing for bankruptcy? At Midtown Bankruptcy, we’ve seen that these tickets can be addressed—but only in Chapter 13, not Chapter 7. Let’s dive into […]
✅ Can I Use My Credit Cards Right Before Filing Bankruptcy? (What You MUST Know)
⚖️ Important Preface: Why Credit Card Objections Are Extremely Rare It’s extremely rare for credit card companies to object to the dischargeability of a debt in bankruptcy. Unless you’ve done something extreme—like spending $70,000 the month of filing—they’re unlikely to take action. Why? Because in order to keep that debt from being discharged, a creditor […]
Is Bankruptcy In Person or Can I Do It by Zoom? (2025 Edition)
Over the past few years, bankruptcy courts have adapted in a big way. If you’re wondering whether you still have to walk into a courtroom to file for bankruptcy in 2025, the answer may surprise you. Here at The Law Office of William Waldner, PC, we’ve been getting more and more clients asking: “Can I […]