Bankruptcy and Debt Defense Attorney Serving Kings County and Brooklyn, NY

Why Brooklyn Clients Choose Aronow Law P.C.

Most people who call us have already spent weeks — sometimes months — trying to manage their debt situation on their own. By the time they reach us, they're exhausted and skeptical that an attorney will actually help. What they find instead is direct access to Darren Aronow, an attorney with over two decades of experience in consumer and business debt law who speaks personally with nearly every client.

There are no gatekeepers, no intake coordinators who make decisions, and no consultation timers. You get a real conversation about your real situation — and a clear explanation of what your options are. We also provide full bilingual support in Spanish throughout the entire legal process, not just at intake, which matters to a significant portion of our Brooklyn clientele.

A few things that set us apart:

• 23 years of continuous practice in consumer and business debt law
• Free consultations with no time limit — you're not rushed off the phone
• Full Spanish-language support from intake through resolution
• Multifaceted representation: bankruptcy, student loans, suspended license and registration, and related issues handled together
• 5-star Google reviews from clients who arrived in distress and left with a plan
• Licensed in New York, New Jersey, and Pennsylvania; admitted to EDNY and SDNY

Bankruptcy Options for Kings County Residents

Bankruptcy is a federal legal tool, which means it works the same way in Brooklyn as it does anywhere else in New York — but the strategy behind it depends on your income, your assets, your debts, and what you're trying to accomplish. We take the time to understand your full picture before recommending a path.

Chapter 7 bankruptcy is often the fastest route to eliminating credit card debt, medical bills, personal loans, and certain other unsecured obligations. If you qualify based on income, it can discharge most of your debt within a few months and stop collection actions — including lawsuits and garnishments — immediately through the automatic stay.

Chapter 13 bankruptcy works differently. Instead of eliminating debt outright, it reorganizes it into a structured repayment plan that runs three to five years. For Brooklyn homeowners behind on their mortgage, Chapter 13 is often the most effective tool available to stop a foreclosure and catch up on arrears while keeping the property.

Bankruptcy can also address issues that most people don't associate with it — including removing certain liens from a home, discharging SBA loans in some circumstances, stopping wage garnishments, and even addressing suspended license and registration problems tied to debt. We handle all of it together so nothing falls through the cracks.

MCA Lawsuit Defense in Brooklyn

Merchant cash advance companies operate aggressively, and Brooklyn business owners are among the most frequently targeted. If you've received a lawsuit, a confession of judgment, or a UCC lien from an MCA funder, the time to act is immediately. We defend MCA lawsuits, challenge confessions of judgment entered without proper notice, contest improper UCC liens, and negotiate restructures and settlements that reflect what a business can actually sustain.

SBA and EIDL Loan Defense

An SBA loan default — whether it's a 7(a) loan, an EIDL, or both — carries serious consequences, including personal liability under a guarantee and potential Treasury offset. We work with Brooklyn business owners to negotiate SBA offers in compromise, challenge the enforceability of personal guarantees where grounds exist, and pursue restructure and settlement options that keep the situation from escalating further.

Debt Settlement and Creditor Negotiation

Not every business debt situation calls for litigation or bankruptcy. In cases where a business has stopped operating or a personal debt has become unmanageable, negotiated settlement can resolve the obligation for significantly less than the full balance. We evaluate each situation individually and pursue the strategy most likely to produce a durable result — not just the fastest one.

Foreclosure Defense for Brooklyn Homeowners

Foreclosure in New York moves through the courts, which means Brooklyn homeowners have more time and more procedural options than borrowers in non-judicial states. We represent homeowners at mandatory settlement conferences, pursue loan modifications, and litigate foreclosure cases where the lender's conduct or documentation gives us grounds to challenge the action. If keeping the property isn't viable, we also handle short sales as an alternative to foreclosure judgment.