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BANKRUPTCY

Filing For Bankruptcy Can Help End 

Debt Collections, Foreclosure, Harassing Phone Calls at Night and Weekends, Losing Your Home

 

Bankruptcy can be a devastating blow to an individual or a small business. The allocation of funds, audits, creditor claims, and claiming of assets may be too much for a person to handle and you may need experienced legal help. 
Bankruptcy Lawyers at Shepelsky & Associates can help you set your assets in order and take care of all the files and red tape associated with bankruptcy in a smooth and efficient manner.

According to the US Federal Bankruptcy Code, Bankruptcy is the process undergone when a business or individual seeks relief from their debts.  Simply put, a person or an organization may declare bankruptcy if their spending is higher than their income. 

The Federal Code Law provides for the development of a plan that allows a debtor, who is unable to pay his creditors, to resolve his debts through the division of his assets among his creditors. The proceedings involved in invoking bankruptcy are supervised by and litigated in the United States Bankruptcy Courts. The Bankruptcy Code provides that creditors must stop all collection efforts against the debtor, and allows the debtor to organize his assets and settle his debt and credit accounts in a feasible manner.

At the Shepelsky & Associates Firm we help people facing serious financial problems find a new start in life by filing Florida Chapter 7 bankruptcy or Chapter 13 bankruptcy.

We represent clients aggressively but with personal attention to the client's needs. 

Filing for Chapter 7 Bankruptcy in New York:
 Chapter 7 Bankruptcy eliminates or reduces credit card debt, medical debt, and “unsecured” debt. It may reduce or eliminate your tax debt. It does not reduce child support debt or school loans. It takes about 4 months to complete the bankruptcy process and you must attend one hearing and cooperate with a Trustee appointed by the court. 

Filing for Chapter 13 Bankruptcy in New York: Chapter 13 Bankruptcy reduces and reorganizes your debt so that you can repay some or all of it through a plan of up to 5 years. If you have several hundreds of dollars of additional income each month after paying your necessary expenses, or if you are behind on your house payments, car payments, or are "upside-down" on your car loan (owing more for the car than its worth), a Chapter 13 may be a good option for you.

 

Do not put it off, call Shepelsky & Associates Lawyers today at (718) 769-6352 and find a true partner in our firm. Schedule your consultation today and be prepared for fast and successful results!

 

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