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 […]
Understanding Your Chapter 13 Repayment Percentage
Confused about your Chapter 13 repayment percentage? Learn how it’s calculated, what factors affect it, and what it means for your debt repayment plan.
What Is the Chapter 13 Co-Debtor Stay?
Learn how the Chapter 13 co-debtor stay can protect your home and prevent creditors from pursuing co-signers. A powerful safeguard during financial recovery.
Can I File Bankruptcy If I Have Equity in My Home?
Wondering if you can file for bankruptcy with home equity? Learn how exemptions work and what options you have to protect your property while managing debt.
Filing Bankruptcy in the Southern District of New York: What to Expect
If you’re overwhelmed by debt and live in Manhattan, the Bronx, Westchester, Rockland, Dutchess, Orange, or Ulster counties (including Poughkeepsie), you’ll likely file in the Southern District of New York (SDNY). This federal district handles thousands of cases annually. Here’s what to expect—where to file, the process steps, key players, exemptions, and common pitfalls. 📍 […]
Chapter 13 Car Cramdowns: Slash Your Car Loan and Drive Debt-Free Faster
If you’re struggling with car payments and considering bankruptcy, you might be able to keep your car and pay less for it through a powerful tool in Chapter 13 called a “cramdown.” Here’s how it works—plus how courts determine the interest rate (aka the Till rate) and what that rate is today. 🔧 What Is […]
🔌 Power Shut Off in New York? What Happens When You File Bankruptcy
If Con Edison, National Grid, or another New York utility company has disconnected your power due to unpaid bills, and you then file for bankruptcy, you may wonder: Can they keep your power off? The answer is no—at least not immediately. Bankruptcy law protects your right to essential services like electricity, gas, and water, even […]
Bankruptcy and Apartment Leases in New York
Do you want to stay in your apartment when you file bankruptcy? Or maybe you are ready for a new chapter altogether and want to break your lease. Learn more about how bankruptcy affects apartment leases in New York and your options.