New York and New Jersey Chapter 13 Bankruptcy Lawyer
With the recent collapse of the mortgage market, changes in the economy, and the rise in job loss, more and more Americans are turning to debt relief options, including Chapter 13 bankruptcy. At the Law Offices of Patricia Martin-Gibbons, we have extensive experience in helping our clients overcome mounting debt through bankruptcy. We will take the time to explore your options, provide you with alternatives, and pursue your rights to debt relief under bankruptcy law.
We know how difficult it can be to recover from mounting debt. You are not alone. Relief is available.
Call us at 1-212-962-1031 or contact us by e-mail to arrange a confidential consultation with an experienced Chapter 13 bankruptcy attorney.
Chapter 13 Bankruptcy
Unlike Chapter 7 bankruptcy, you do not have to pass a "means test" to qualify. In fact, many people who do not qualify for Chapter 7 will pursue Chapter 13 instead. Chapter 13 bankruptcy may be a good option for you if you have significant secured debt, such as a mortgage and reliable income. We can assist you in refinancing, negotiations with creditors, and in creating an affordable payment plan where your debt is renegotiated to a lower level and you commit to a three to five year repayment plan. After the successful completion of that repayment plan your current financial obligations will be fully discharged.
While many Americans will hesitate filing for bankruptcy because of the stigma attached, it is important to remember that the longer you wait the more debt you are likely to amass due to high interest rates and various penalties. Taking action now allows you to achieve debt relief and take the first step towards financial independence.
Taking bankruptcy action now allows you to:
- Prevent foreclosure
- Stop creditor harassment
- Reorganize credit card debt
- Save a home or vehicle
- Restructure or refinance
Tailored Advocacy and Solutions in Bankruptcy
Our attorneys know that making the decision to file bankruptcy is usually made after all other options are exhausted. You may have tried budgeting, worked with credit counselors, or tried to negotiate with creditors on your own. We will provide you with the necessary information you need to protect your rights while also strategically pursuing debt relief to secure your financial well-being in the future. We will assist in creating a repayment plan, where your debts are repaid either in whole or in part and upon successful completion your remaining dischargeable debt will be eliminated.
Contact us today to schedule an initial consultation by calling 212-962-1031 or 212-553-9167.
Major credit cards accepted · Evening and weekends available by appointment · Located conveniently in the Historic Woolworth Building across from City Hall
