Breaking the Bankruptcy Stigma in NYC: Why Filing Is a Smart Financial Move
Bankruptcy. Just the word makes some people flinch. But here’s the truth: the bankruptcy stigma is outdated, misleading, and hurting people who need help the most. In New York City, where the cost of living is brutal and credit card debt is often a survival tactic, filing for bankruptcy isn’t a sign of failure—it’s a […]
✅ 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.
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 Haven’t Paid My Taxes?
Unpaid taxes and thinking about bankruptcy? Find out how back taxes are treated in bankruptcy and what options may be available to reduce or discharge tax debt.
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.