Bankruptcy and COVID-19 Outbreak
The Eastern District and Southern District Bankruptcy Courts of New York are temporarily closed due to the COVID-19 outbreak, but open for the purpose of receiving Chapter 7 and Chapter 13 bankruptcy petitions.
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Chapter 7 Bankruptcy
Chapter 7 is the most common type of bankruptcy which is filed. The purpose of Chapter 7 is to eliminate all unsecured debt including, but not limited to, credit card debt, personal loans, pay day loans, school tuition and medical bills.
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Chapter 13 Bankruptcy
A chapter 13 bankruptcy is also called a wage earner's plan. It enables individuals with regular income to develop a plan to repay all or part of their debts.
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The Means Test
Bankruptcy is a last resort for many individuals, couples and business owners that are no longer able to keep a handle on their finances.
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The Amazing Benefits of Bankruptcy
Get rid of and eliminate credit card bills, medical bills, personal loans, and certain other unsecured debts you can't afford.
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Top 15 Bankruptcy Myths
Unless you’re a prominent person or a major corporation and the filing is picked up by the media, the chances are very good that only people who will know about a filing are your creditors and the people who you tell.
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New York State Bankruptcy Exceptions
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Federal Bankruptcy Exceptions
There are both federal laws and state laws that apply to bankruptcy and each set of laws has its own bankruptcy exemptions.
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Discharge in Bankruptcy
A bankruptcy discharge releases the debtor from personal liability for certain specified types of debts. In other words, the debtor is no longer legally required to pay any debts that are discharged.
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Eliminating Tax Debts in Bankruptcy
You may hear radio commercials offering the hope of eliminating tax debts in bankruptcy, but it’s not as simple as it sounds.
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Harassment by Debt Collectors
If you’re behind in paying your bills, or a creditor's records mistakenly make it appear that you are, a debt collector may be contacting you.
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Stop Foreclosure
An attorney at Jacoby & Jacoby may be able to help save your home from foreclosure.
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Mortgage Loan Modifications and Mortgage Relief Programs
A loan modification is exactly what it sounds like: a change in the terms of a loan. The objective: achieve a lower, manageable monthly payment.
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Loss Mitigation
The judges in the bankruptcy court in the Eastern District of New York recently adopted a loss mitigation program for real property that individual debtors use as their personal residence.
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The Jacoby and Jacoby Difference
If you are considering filing for bankruptcy, there are benefits to working with an experienced Long Island bankruptcy lawyer at Jacoby & Jacoby.
We can offer experienced guidance and applicable information, no matter your particular needs or concerns. Our goal is to help you determine the best possible course of action for your unique financial situation based upon your particular goals.
Additionally, we can offer you information regarding the top bankruptcy myths, frequently asked questions about bankruptcy, Chapter 7 versus Chapter 13, what property is exempt, and bankruptcy law. We can also help you decide if bankruptcy is right for you. Our experienced bankruptcy attorneys help clients throughout Nassau County and Suffolk County in Long Island, NY. We can assist you if you are filing jointly or are filing an individual bankruptcy case.
Working With a Long Island Bankruptcy Lawyer
A bankruptcy lawyer at our law firm can help to protect the assets and property you keep while seeking to have the highest amount of your debt discharged. Though it may be difficult to imagine at this time, you may be able to face a future free from constant debt collection efforts, wage garnishment, repossession, etc. You can get the help you need to actually improve your financial situation. Having an attorney present with you through all stages of the bankruptcy filing can make all the difference in the final results of your case.
Many people attempt to take on their case alone and while they may avoid an attorney fee, they can pay a lot more in the long run. Our legal professionals are able to assess the best strategy in the situation and to take steps that maximize the results of filing. We are able to optimize the exemptions, as well as determine which form of bankruptcy to file under. These cases can be complex and we offer our clients clarity and direction. A bankruptcy may be the chance for a fresh start for you and our firm can help get you there. We also seek to help our clients remain out of debt so that filing doesn’t just help them now but remains beneficial to them even in the future.
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Experienced and Qualified Representation
When you work with a New York bankruptcy lawyer at Jacoby & Jacoby, you have the benefit of our years of experience and our extensive resources, all at your disposal as you face these trying times. The stress and emotions associated with mounting debt may leave you feeling hopeless and lost. Thankfully, with the help of a lawyer at our firm, you can begin to take control of your finances and experience much needed relief.
By discussing your situation with an attorney at our firm, you can decide whether bankruptcy is right for you. You can learn what your options are. When you work with an experienced attorney at Jacoby & Jacoby, you will have the support and legal counsel of a professional who will know what to do to help. Finally, you can experience relief from creditors. You can stop worrying about losing your possessions or your home.
Contact our firm today, and learn more about the many ways that we can come to your aid. Call Jacoby & Jacoby at (888)452-2629.
Schedule a Free Consultation
Schedule your FREE bankruptcy evaluation at (888)452-2629
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Suffolk County Offices
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Medford Main Office
1737 North Ocean Avenue
Medford, NY 11763 -
Shirley Office
450 William Floyd Parkway, Suite B
Shirely, NY 11967 -
Bohemia Office
80 Orville Drive, Suite 100
Bohemia, NY 11716 -
Hauppauge Office
150 Motor Parkway, Suite 401
Hauppauge, NY 11788 -
Melville Office
200 Broadhollow Road, Ste. 207
Melville, NY 11747 -
Riverhead Office
30 West Main Street
Riverhead, NY 11901
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Nassau County Offices
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East Meadow Main Office
2545 Hempstead Turnpike, Suite 304
East Meadow, NY 11554 -
Uniondale Office
626 Rexcorp. Plaza
Uniondale, NY 11553 -
Valley Stream Office
70 East Sunrise Highway, Suite 500
Valley Stream, NY 11581 -
Queens Office
Mercury Center
9-10 Main Street, Suite 300
Flushing, NY 11354 -
Lake Success Office
1979 Marcus Avenue, Suite 210E, Lake Success, NY 11020
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Call Toll-Free
jacobylawfirm@aol.com
www.longislandbankruptcycenter.com -
"We are a designated debt relief agency under Federal Law & we provide legal assistance to consumers seeking relief under the Bankruptcy Code".