Chapter 7 A Legal Way To Eliminate Debts And Get A Fresh Start

We are longtime Long Island area residents focused upon the same concerns as our neighbors throughout Nassau and Suffolk Counties, New York. We apply our experience and skills to help many hardworking people and families who have run into severe financial challenges look for favorable options.

If you are struggling with debt and need dependable legal counsel on consumer bankruptcy and other options, the attorneys at Macco & Stern can help. Having dealt with thousands of these cases, our lawyers are well-equipped to assess your situation, understand your priorities and help you determine whether a bankruptcy option is a good exit strategy to resolve your financial concerns.

Ending Garnishments — Stopping Collection Calls — Preserving Key Assets

Chapter 7 bankruptcy is sometimes called a "debt liquidation" bankruptcy. It is the preferred option for many people because you can extinguish your debts without repaying your creditors. Most Chapter 7 debtors keep all of their assets. We assist with all aspects of the Chapter 7 bankruptcy, including:

  • Walking you through the means test
  • Working with you to identify and keep critical property and assets, including retirement accounts and life insurance policies, your home, a vehicle and household goods, depending on your specific financial circumstances
  • Preventing or stopping creditors from enforcing wage garnishments
  • Freeing up bank accounts that have been frozen due to judgments against you
  • Bringing an end to creditor harassment, including stopping phone calls from debt collectors

We will be honest about what Chapter 7 bankruptcy can accomplish for you — and what it cannot do for you. You can count on us to determine whether Chapter 7, Chapter 13 "wage earner" bankruptcy or another approach is best for your needs.

When struggling with debt, many people unwisely drain and liquidate retirement accounts, borrow from family and friends, sell assets, or take other desperate measures rather than consulting a bankruptcy attorney who could help them regain stability and preserve critical assets. Do not make the same mistake, and risk losing everything that you have worked so hard for over the years.

Schedule Your Free Consultation

When your debts become too burdensome to manage, you need experienced advice about what is best for your specific situation. We urge you to call 631-479-2869 or send us an email using our contact form to arrange a free consultation with a member of our team.

We are a debt relief agency. We help people obtain relief under the Bankruptcy Code.