Drowning in debt or worried about foreclosure? Aronow Law P.C. helps residents of Smithtown, New York, eliminate debt, stop collections, and protect their assets through Chapter 7 and Chapter 13 bankruptcy. Start fresh and take control of your financial future today.
Welcome to Aronow Law, P.C.
At Aronow Law P.C., we know how stressful it can be to deal with constant calls from creditors, mounting bills, and the fear of losing your home or car. Our experienced bankruptcy attorneys proudly serve the Smithtown community, helping residents find real debt relief and financial stability.
We understand that every financial situation is unique. Whether you’re behind on mortgage payments, facing wage garnishment, or simply can’t keep up with credit cards, we’ll help you explore your legal options and rebuild your financial future.
What Is Bankruptcy?
Bankruptcy is a federal legal process that gives individuals and families the opportunity to eliminate or reorganize debt while gaining protection from creditors. Once you file, an automatic stay goes into effect — immediately stopping foreclosure, repossession, lawsuits, and garnishments.
The two most common types of consumer bankruptcy are:
• Chapter 7 Bankruptcy (Liquidation):
Discharges most unsecured debts — like credit cards, medical bills, and personal loans — while allowing you to keep protected assets under New York’s exemption laws.
• Chapter 13 Bankruptcy (Reorganization):
Creates a manageable repayment plan over three to five years, letting you catch up on missed mortgage or car payments while keeping your property.
Our attorneys will review your income, assets, and debt to determine which option best fits your financial goals.
Do I Need a Bankruptcy Attorney?
Bankruptcy laws are complex, and one mistake can lead to case dismissal or even loss of property. Having a skilled Smithtown bankruptcy attorney ensures your rights are protected and your case is handled correctly.
You should contact Aronow Law P.C. if:
You’re Facing Foreclosure or Repossession
Bankruptcy stops foreclosure or repossession immediately, giving you a chance to protect your home or vehicle.
You’re Being Sued or Garnished
If creditors are suing you or taking part of your paycheck, bankruptcy can stop these actions instantly.
You’re Overwhelmed by Credit Card or Loan Debt
If you’re falling behind on payments, bankruptcy offers a legal path to wipe out unmanageable debts.
You Want to Protect Your Property
Our attorneys use New York’s exemption laws to protect your home, savings, and personal assets while helping you get relief.
How Aronow Law P.C. Helps You
1. Assess Your Financial Situation
We evaluate your debts, income, and expenses to create a personalized bankruptcy strategy.
2. Stop Creditor Harassment
Once we represent you, all creditor contact must stop. We handle all communications and legal matters on your behalf.
3. Prepare and File Your Case
We prepare and file all required documents accurately and on time to keep your case moving forward smoothly.
4. Represent You in Court
Our attorneys appear at all trustee meetings and hearings to defend your rights and ensure the best outcome.
5. Support You After Bankruptcy
We help you rebuild your credit, improve your financial management, and start your next chapter stronger.
Why Choose Aronow Law P.C.?
Decades of experience helping Smithtown residents eliminate debt
Skilled in both Chapter 7 and Chapter 13 bankruptcy filings
Aggressive protection against creditor harassment and lawsuits
Compassionate, results-focused, and client-centered representation
Tailored legal strategies to fit your financial situation
Virtual and in-person consultations available throughout Suffolk County
Book Your Free Consultation Today!
If you’re struggling with debt, Aronow Law P.C. can help. Our attorneys proudly serve Smithtown residents with trusted bankruptcy strategies that stop collections, prevent foreclosure, and help you move forward financially.
Contact us today to schedule your free consultation and take the first step toward lasting debt relief.
Frequently Asked Questions About Bankruptcy
Can bankruptcy stop foreclosure in Smithtown?
Yes. Filing for bankruptcy activates an automatic stay that halts foreclosure, repossession, and collection efforts immediately.
Will I lose my home or car?
In most cases, no. New York’s exemption laws protect essential property such as your home, car, and personal belongings.
How long will bankruptcy affect my credit?
Chapter 7 remains for 10 years and Chapter 13 for 7 years, though many clients begin rebuilding credit within months of discharge.
Can bankruptcy discharge all debts?
Most unsecured debts — such as credit cards, medical bills, and personal loans — can be discharged. Certain debts like student loans or recent taxes may not qualify.
Does bankruptcy stop wage garnishment?
Yes. Once your case is filed, all wage garnishments, lawsuits, and creditor contact must stop immediately.
