Personal Bankruptcy

The New York Bankruptcy Lawyers at Starr & Starr, PLLC, can Help You get a Fresh Start Through Bankruptcy.

Have you lost your job and have no way to pay your bills? Are you paying the minimums on your credit cards but unable to make ends meet? Have you already tried credit counseling, but still can’t make ends meet? Are you being hounded by collectors? Are you being sued by your creditors (or companies you never heard of on old debts you thought had been written off)? Are your wages being garnished? Has a foreclosure case been started against you? If you answer “yes” to any of these questions, a bankruptcy filing may be the solution to help you get a fresh start from your debt. Call (888) 867-8165 now to schedule a free consultation* and learn your options! (Please see our Disclaimer page for limitations re “free initial consultations*”). Evening and weekend consultations are available.

• Chapter 7 (Liquidation). Even though they changed the bankruptcy law in 2005, they did not get rid of Chapter 7 bankruptcy. A chapter 7 bankruptcy is a way to legally wipe out most types of debts (subject to certain exceptions). Only a bankruptcy filing will immediately stop your creditors from harassing you — and stop them from going forward with lawsuits or judgment enforcement, such as wage garnishment or bank levies. It will also stop any pending wage garnishment. There are alternatives to bankruptcy that the attorneys at Starr & Starr, PLLC, can discuss with you in a free no-obligation consultation*. However, a repayment plan through a credit counseling program or a debt consolidation only works if your creditors agree. Bankruptcy, on the other hand, gives you relief from your debts and a fresh start whether your creditors agree or not. Call (888) 867-8165 now for a free consultation*! (Please see our Disclaimer page for limitations re “free initial consultations*”). Evening and weekend consultations are available.
• Chapter 13 (Repayment Plan). Save your house or apartment, save your car — Chapter 13 lets you cure arrears (past due debt) over time in a chapter 13 repayment plan. The New York Bankruptcy Lawyers at Starr & Starr, PLLC are experienced in chapter 13 bankruptcy cases. We can work with you to prepare a realistic chapter 13 plan that will let you keep your assets and pay off your creditors over time. Depending on your income, assets and type of debts, you may only be required to pay a small percentage of the debts you owe. Call (888) 867-8165 now for a free consultation*! (Please see our Disclaimer page for limitations re “free initial consultations*”).

At Starr & Starr, PLLC, we believe each client and client matter is unique and deserves to be treated that way. We are not a “bankruptcy mill” and provide individualized service and attention to each of our clients. At our firm you meet with and your questions are answered by an attorney, not a paralegal. Our fees are reasonable and competitive with those of other law firms in New York City and New Jersey. We handle chapter 7 and chapter 13 cases on a flat rate (fixed fee) basis.

We help debtors in New York City (NYC), Manhattan, Brooklyn, Bronx, Queens, Staten Island, Nassau County, Suffolk County, Westchester County, New Jersey, and other locations. We are experienced with Chapter 7, Chapter 13 and Chapter 11 bankruptcy cases in the United States Bankruptcy Court for the Southern District of New York and United States Bankruptcy Court for the Eastern District of New York, among other locations.

See Our FAQ Page for Answers to Questions You may Have About Personal Bankruptcy.