Many people struggle to pay their bills and often they find themselves falling farther and farther behind until finally they have reached a point of no return and do not know what to do. Most of these struggling individuals think they have no rights or protection available and end up having their assets liquidated and lose their home, car and personal property. You do have rights and can do something about it. The Brooklyn, New York, law firm of Paul B. Groman, Attorney at Law has been helping clients protect their property through Chapter 7 and Chapter 13 bankruptcies since 2000.

New York Bankruptcy Law Attorney

In 2005, new laws were passed that changed the Bankruptcy Code and made it more difficult for certain people to file bankruptcy. That this does not mean you cannot file bankruptcy. The biggest change the law put into place is “means testing” to determine if the median income of an individual or joint filing is above a threshold amount. If the income is less than the state median, it is usually not a problem to file a traditional bankruptcy. If it is higher than the median, the bankruptcy court will ask for more information about the income, debt, assets and property of the person filing to determine if he or she is still eligible. Our lawyer will go over all of this with you and help you determine your eligibility for filing.

Learn more about bankruptcy at these information pages:

Here are some ways our firm will help you with your Chapter 7 or Chapter 13 bankruptcy:

  • We file meticulous and detailed petitions to ensure a client has everything he or she needs in order to file.
  • We attend the 341 meeting and confirmation hearing.
  • We advise clients on credit counseling and debt education prior to filing.
  • We work with clients on post-filing issues to ensure they follow the required steps.
  • We conduct means testing analysis to determine client eligibility for bankruptcy.
  • We provide representation throughout the Chapter 13 payment plan.

Facing Foreclosure of Your Home? We Can Help.

The past few years have been tough on millions of American homeowners. If you are facing foreclosure, we can show you options for helping you keep your house through bankruptcy, and explain government and traditional modification programs that can help you avoid foreclosure, even if you choose not to file Chapter 7 or Chapter 13 bankruptcy.

We Can Help You Get a Fresh Start

If you are experiencing financial difficulties, do not wait until it is too late. Contact an experienced bankruptcy attorney. Your attorney will explain your rights to you and show you how a Chapter 7 or Chapter 13 bankruptcy can help discharge your debts and save your car, home and personal property from being taken from you.