“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 […]
💼 Bankruptcy Isn’t Failure — It’s a Financial Power Move (Here’s Why Millions Are Filing in 2025)
The New Narrative: Bankruptcy = Strength, Not Shame Let’s get real. For years, bankruptcy has been stigmatized as a sign of failure. But in 2025, people are reclaiming the word—and turning it into a bold, strategic move toward freedom. From CEOs to single moms, tens of thousands are filing every month. Why? Because in an […]
💣 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 […]
Ultimate Guide: 10 Essential FAQs About Chapter 13 Bankruptcy in New York (2025)
Ultimate Guide: 10 Essential FAQs About Chapter 13 Bankruptcy in New York (2025) Facing Chapter 13 bankruptcy can be stressful when you’re juggling bills, deadlines and uncertainty—but you don’t have to go it alone. This FAQ guide is tailored for New Yorkers filing Chapter 13 in 2025, with clear, no‑nonsense answers. We’ll walk you through each step, tackle your […]
Filing Bankruptcy in NY During Retirement: Key Steps
Considering bankruptcy during retirement in New York? Learn the key steps, protections, and what to expect when filing while living on a fixed income.
What Is a Cramdown in Chapter 13 Bankruptcy?
Wondering what a cramdown is in Chapter 13 bankruptcy? Learn how this powerful tool can help you reduce secured debt and keep valuable property.
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.