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FAQ

Common Bankruptcy Questions

Westchester County Bankruptcy Attorney

Should I file for bankruptcy?

Deciding whether you will file for bankruptcy is a personal choice. When we take on a new client, we always take care in discussing short and long term financial goals as well as conducting a thorough assessment of their particular situation to determine whether bankruptcy is truly the best option or if an alternative would suffice. Filing for bankruptcy will significantly impact you, and it is important to weigh the positive versus negative impacts to determine what's best.

Will I lose all of my property if I file a Chapter 7 case?

Chapter 7 bankruptcy involves the liquidation of property to pay off creditors. Although it does involve the surrender of assets, this is only eligible assets. There are actually quite a few bankruptcy exemptions in Westchester County that will offer much of your property protection from liquidation.

What are some advantages of Chapter 13 bankruptcy?

Although this may vary on a case by case basis, Chapter 13 bankruptcy is often advantageous for debtors with steady incomes who have real estate or other property that they would like to protect. Chapter 13 bankruptcy can actually stop foreclosure and enables a debtor to work out a repayment plan to pay off a portion or all of his or her debt over time.

What types of debt are discharged through bankruptcy?

Generally, the debt that can be discharged through bankruptcy is unsecured debt. This may include credit cards, personal loans, medical bills, utility bills and similar liabilities. Child support, student loans, spousal support and some taxes cannot be discharged through bankruptcy.

Can I discharge tax debt?

Depending on the type and age of your tax, you may or may not be able to eliminate it through bankruptcy. It is important to have your lawyer review this particular aspect of your case to determine how your tax debt, if any, will be affected.

Do I need an attorney?

You are not required to have an attorney if you file for bankruptcy as an individual in Westchester County, New York. However, this is a legal process and it can be complicated. Having an experienced bankruptcy attorney at your side can help you ensure that your case is properly filed and your rights protected through the entire process.

Bankruptcy Lawyer Serving Westchester County, NY

For more answers to your frequently asked questions by a competent professional, contact a bankruptcy lawyer at Bronson Law Offices, P.C. We represent debtors in White Plains and throughout Westchester County.

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