Brooklyn Chapter 7 Lawyer

New York City Bankruptcy Attorneys

Financial problems can make every part of your life difficult. If you have large credit card bills, you may not even be able to make the minimum payments. Debt issues can create problems in your personal life as well. The stress and anxiety can even impact your health.

You may have seen so-called "debt consolidation" agencies promise results on TV or elsewhere. These companies may not be looking out for your best interests, and will probably only make your situation worse. If you are in a financial hole that you cannot dig out of, your best bet is to get in touch with an experienced bankruptcy lawyer, so we can evaluate your options, even if you own a home or other substantial assets.

Law Offices of David J. Hernandez & Associates can give you the help you need during these times. We represent clients across the Bronx, Brooklyn, Manhattan, Queens, Staten Island and throughout New York and New Jersey. Contact us today.

How Does Chapter 7 Work?

Before we can help you file for Chapter 7, we must see if you can pass what is known as the "means test." If your household income is less than the median income in your state, you pass the means test. If your household income is greater than the median income, you may still be eligible for Chapter 7 bankruptcy, depending on your levels of disposable income. Assuming you pass the means test, our law firm will gather information about your assets and your debts and file for bankruptcy.

Once we file for bankruptcy, the "automatic stay" will begin. The automatic stay prevents your creditors and debt collection agencies from taking action against you. This will stop garnishments, lawsuits and collection letters and phone calls. Once the bankruptcy court approves your bankruptcy, your unsecured debts, such as credit cards and medical bills, will be discharged. Once your debts are discharged, your creditors can no longer try to collect them and you get a new lease on life.

Will I Be Able to Get Credit Again?

Many people believe that filing for bankruptcy will cause irreparable damage to their credit. This is not true. In fact, some credit card companies may find you to be a good risk, since you will be unable to file bankruptcy for some years after your discharge.

Contact the Brooklyn Chapter 7 Attorneys at Law Offices of David J. Hernandez & Associates • 718-530-0212

Call or e-mail our office today to schedule your initial consultation. Hablamos español.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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David J. Hernandez is a lifetime member of the Million Dollar Advocates Forum and is a New York Super Lawyer.

He served as the 50th President of the Puerto Rican Bar Association; the NY Hispanic Bar Task Force on Judicial Selection Committee; and the NYS Conference of Bar Leaders.

He serves as a member of the Judicial Screening Committee and Committee on Character and Fitness for the Second Department; the Advisory Committee on Civil Practice to the Chief Administrative Judge; NYSBA House of Delegates and Grievance Committee of the Brooklyn Bar Association.

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