Welcome to Aronow Law, P.C.
At Aronow Law P.C., we understand the emotional and financial toll of debt on individuals and families. Although bankruptcy is often seen as a last resort, it often provides the most effective path toward regaining financial stability.
Our dedicated attorneys combine legal expertise with compassionate support, ensuring you understand your options and take the proper steps to protect your future. We don’t just see you as another case; we are your advocates, committed to helping you achieve lasting financial relief.
What Is Bankruptcy?
Bankruptcy is a legal process that allows individuals and businesses to eliminate or restructure overwhelming debt under federal law. The two most common types are:
- Chapter 7 Bankruptcy (“liquidation bankruptcy”) – Discharges most unsecured debts, such as credit cards, medical bills, and personal loans. An automatic stay immediately stops creditor collection actions.
- Chapter 13 Bankruptcy (“reorganization bankruptcy”) – Creates a court-approved repayment plan to pay debts over three to five years while protecting property from foreclosure or repossession.
Our attorneys help you determine which option is best for your unique situation.
Do I Need a Bankruptcy Attorney?
You may benefit from an attorney if you are experiencing:
Constant Creditor Harassment
If calls, letters, and threats from creditors disrupt your daily life, bankruptcy can provide immediate relief through the automatic stay.
Risk of Losing Property
If foreclosure, repossession, or eviction looms, bankruptcy may allow you to keep your home or car while restructuring your debt.
Overwhelming Unsecured Debt
When credit cards, medical bills, or loans are too large to repay realistically, bankruptcy can wipe the slate clean.
Wage Garnishment or Frozen Bank Accounts
Filing for bankruptcy can stop garnishments and give you access to your full income again.
The Bankruptcy Legal Process
Credit Counseling Course
Before filing, you must complete a credit counseling course with an approved agency. We help you meet this requirement efficiently.
Filing for Bankruptcy
Our attorneys prepare and submit all required documents, ensuring accuracy and compliance with court rules.
Meeting of Creditors (341 Meeting)
You must attend a brief hearing about 30 days after filing. We prepare you thoroughly and stand by your side throughout the process.
Protecting Exempt Assets
New York exemptions may allow you to keep your home, car, retirement savings, and other essential assets. We work to maximize your protections.
Final Discharge
Usually, your bankruptcy concludes within 3–6 months (Chapter 7) or 3–5 years (Chapter 13), resulting in discharged debts and a fresh financial start.
Why Choose Aronow Law P.C.?
- Experienced in both Chapter 7 and Chapter 13 cases
- Skilled at protecting homes, cars, and wages from creditors
- Aggressive defense against creditor harassment
- Compassionate support to guide you through every step
- Clear communication and customized strategies for your situation
Book Your Free Consultation Today!
At Aronow Law P.C., we are committed to helping you eliminate debt, protect your assets, and take control of your financial future. Contact us today to explore your bankruptcy options.
Frequently Asked Questions About Bankruptcy in New York
Will I lose everything if I file for bankruptcy?
No. Bankruptcy exemptions allow you to keep essential property such as your home, car, retirement funds, and personal belongings.
How long does bankruptcy take?
Chapter 7 usually takes 3–6 months. Chapter 13 repayment plans last 3–5 years.
Does bankruptcy wipe out all debts?
Most unsecured debts are discharged, but certain obligations, such as child support, alimony, and some taxes, cannot be eliminated.
Will bankruptcy ruin my credit forever?
No. While bankruptcy stays on your credit report for up to 10 years, many clients see their credit scores improve within 1–2 years after discharge.
Can bankruptcy stop foreclosure or repossession?
Yes. The automatic stay halts these actions immediately. Chapter 13 lets you catch up on missed payments and keep your property.
