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.
Chapter 7 Bankruptcy and Car Leases: What to Know
Filing Chapter 7 and have a car lease? Discover your options—whether to keep, return, or surrender your leased vehicle during bankruptcy.
Bankruptcy vs Defaulting on Debt: What’s Best for You?
Struggling with debt? Learn the key differences between bankruptcy and defaulting, and find out which option may offer the best path to financial relief.
Job Changes During Chapter 13 Bankruptcy
Wondering how a new job or job loss affects your Chapter 13 bankruptcy? Learn how income changes can impact your repayment plan and what steps to take.
Navigating New York State Bankruptcy Laws: A Guide
Confused about bankruptcy laws in New York? This guide breaks down key rules, exemptions, and filing options to help you make informed decisions.