💼 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, […]
Bankruptcy in the Gig Economy: What Independent Contractors Need to Know
IntroductionThe rise of the gig economy has transformed how millions earn a living—flexibility, autonomy, and multiple income streams are the new norm. But when work is unpredictable and expenses pile up, traditional financial safety nets can fall short. If you’re an independent contractor, freelancer, ride‑share driver, or side‑hustler facing mounting debts, bankruptcy may offer a […]
âś… 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 […]
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.
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.
Chapter 7 Bankruptcy in New York: What You Need to Know (2025 Guide)
If you’re overwhelmed by debt, constantly dodging collection calls, or facing wage garnishment, Chapter 7 bankruptcy may be the solution you need to reset your financial life. In this guide, we’ll explain how Chapter 7 works in New York, who qualifies, what property you can keep, and what to watch out for in 2025. ⚖️ […]
🔌 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.