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Bankruptcy Overview

Get a fresh new start with Bankruptcy

The federal bankruptcy laws are designed to give an "honest" consumer who has overwhelming debts an opportunity to get debt relief and a fresh new financial start. With Chapter 7 bankruptcy, most debts are eliminated. With Chapter 13 bankruptcy, debts are generally paid over a period of time through a payment plan. Businesses can reorganize their debts with Chapter 11 bankruptcy.

Bankruptcy is a federal law. Filing bankruptcy in New York also involves certain state laws and local court rules as well. A bankruptcy case is commenced when a bankruptcy petition is filed with the Brooklyn Bankruptcy Court or Central Islip Bankruptcy Court.

Bankruptcy is a necessary safety valve in our economy and is part of our American System of capitalism. Without bankruptcy, people that are over their head financially would give up or become part of the underground. Society benefits when people file for bankruptcy because it enables them to return to productivity.

The relief provided by the bankruptcy laws gives people who are financially over their heads an opportunity for a fresh start.

There are two main types of consumer bankruptcy: Chapter 7 and Chapter 13. We invite you to come in for a free consultation so that we can analyze your financial situation and make a recommendation as to which chapter would be best for you.

There are new bankruptcy laws but most Long Island consumers still qualify

Congress reformed the bankruptcy laws in 2005, imposing significant new changes. However, most people still qualify. We are extremely familiar with the new laws. The essence of the new laws is demonstrating eligibility for filing by using a series of formulas and calculations called the "means test." The new bankruptcy laws also require a 30 minute bankruptcy credit counseling session by phone with a court-approved not-for-profit credit counseling agency prior to filing.

Bankruptcy stops creditor harassment and provides immediate debt relief

No matter which chapter you file, you get powerful debt relief the minute we file your petition with the court. As soon as any bankruptcy petition is filed, a federal law called the Automatic Federal Bankruptcy Stay is triggered. The bankruptcy stay prohibits any creditor from taking any action to collect a debt.

Thus, once your case if filed, federal asset protection laws prohibit your creditors from doing the following:

• Threatening you
• Calling you
• Sending you nasty letters
• Contacting family, neighbors or employers
• Suing you
• Garnishing your wages
• Freezing your bank account
• Foreclosing your home
• Re-possessing your car
• Collecting by the IRS
• Shutting off your utility service
• Doing anything else to collect a debt

Long Island bankruptcy attorney Craig D. Robins, Esq. can help you

Experienced Long Island bankruptcy lawyer, Craig Robins, Esq., has helped thousands of New Yorkers over the past twenty years eliminate their debts with bankruptcy. Long Island bankruptcy matters is our area of expertise. Call now to schedule a free consultation to discuss how our office can help you.

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For over Twenty Years, we have proudly been a Debt Relief Agency under the
United States Bankruptcy Code. We help people file for bankruptcy relief.

Copyright © Craig D. Robins - Craig D. Robins is a Melville, Long Island bankruptcy attorney and lawyer whose New York bankruptcy law firm is dedicated solely to bankruptcy law and debt solutions. We represent clients from towns such as Huntington, Smithtown, Babylon, Islip, Hempstead, Brookhaven, North Hempstead, and Riverhead; and areas including Amityville, Bethpage, Brentwood, Centereach, East Meadow, Hicksville, Holbrook, Levittown, Mineola, Patchogue, Shirley, Westbury, Medford, Coram, Commack, Bayshore, Yaphank, Valley Stream, Bohemia, Wantagh, Roosevelt, Freeport, Deer Park, Floral Park, Franklin Square, Bellmore, Mineola, Elmont, Laurelton, Queens Village, and others on Long Island and Queens. Some of the material herein constitutes attorney advertising.