Can You Keep One Credit Card Out of Your Bankruptcy?
One question I get all the time in consultations: “Can I keep one of my credit cards out of the bankruptcy — and keep using that card while my case is going on?” It usually comes from a good instinct. People want a safety net for emergencies, or they have a card with a long […]
Can You File Bankruptcy on Taxes? The 3-Year, 2-Year, and 240-Day Rules Explained
By William Waldner, Esq. — NYC bankruptcy attorney. I have practiced bankruptcy law since 2008, and my firm handles consumer bankruptcy cases exclusively in the Southern and Eastern Districts of New York. Yes — income taxes can be discharged in bankruptcy, and it happens more often than people think. But only income taxes, and only […]
Klarna Sent Your Debt to Collections? What Happens to Buy-Now-Pay-Later Debt in Bankruptcy
By William Waldner, Esq. — NYC bankruptcy attorney. I have practiced bankruptcy law since 2008, and my firm handles consumer bankruptcy cases exclusively in the Southern and Eastern Districts of New York. Yes, Klarna, Afterpay, and Affirm send unpaid balances to debt collectors — and yes, buy-now-pay-later debt can be wiped out in bankruptcy. BNPL […]
Debt Settlement vs. Bankruptcy: What the Settlement Companies Don’t Tell You
By William Waldner, Esq. — NYC bankruptcy attorney. I have practiced bankruptcy law since 2008, and my firm handles consumer bankruptcy cases exclusively in the Southern and Eastern Districts of New York. Debt settlement and bankruptcy both aim to resolve debt for less than you owe — but they are not close cousins. Settlement is […]
When Should You File Bankruptcy? A NYC Attorney on Getting the Timing Right
By William Waldner, Esq. — NYC bankruptcy attorney. I have practiced bankruptcy law since 2008, and my firm handles consumer bankruptcy cases exclusively in the Southern and Eastern Districts of New York. When should you file bankruptcy? The short answer: file when your debt can no longer be paid off within about five years while […]
How Much Debt Is Too Much on a Six-Figure Salary?
By William Waldner, Esq. — NYC bankruptcy attorney. I have practiced bankruptcy law since 2008, and my firm handles consumer bankruptcy cases exclusively in the Southern and Eastern Districts of New York. How much credit card debt is too much? As a general rule, if your unsecured debt (credit cards, personal loans, medical bills) exceeds […]
How Many Times Can I File Bankruptcy in New York?
Understand the rules and waiting periods for multiple bankruptcy filings in New York. Learn how often you can file Chapter 7 or Chapter 13 and what to expect.
✅ 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.