Bankruptcy and Debt Defense Attorney Serving New York County

How We Handle Bankruptcy Cases for New York County Residents

Bankruptcy is a federal process, and the relief it provides is real. For Manhattan residents carrying credit card debt, medical bills, personal loans, or judgments from creditor lawsuits, Chapter 7 bankruptcy can eliminate qualifying unsecured debt entirely. For those with income and assets they want to keep — a co-op, a car, equity in a business — Chapter 13 offers a structured repayment plan that stops collection activity and gives you a defined finish line.

We handle both. What matters is which path fits your situation, not which one is simpler to file. We take the time to understand your full picture before recommending anything, and we do not charge for that conversation.

MCA and SBA Loan Defense for Manhattan Business Owners

Small business owners in New York County have been hit hard by merchant cash advance agreements that seemed manageable until they weren't. MCA funders move quickly — UCC liens, frozen bank accounts, and confessions of judgment can all happen before a business owner fully understands what they signed. We defend MCA lawsuits, challenge improper UCC liens, and negotiate restructured agreements that give businesses room to recover.

SBA and EIDL loan defaults carry their own set of risks, including personal guarantee exposure that can follow a business owner long after the business itself closes. We work with clients to pursue SBA Offers in Compromise, negotiate directly with lenders, and where appropriate, discharge SBA debt through bankruptcy.

Debt Defense and Creditor Lawsuits

When a creditor files suit in New York, the timeline moves quickly. A default judgment can lead to wage garnishment, frozen accounts, and liens on property. We defend clients who have been sued by debt collectors or original creditors, challenge time-barred claims, and negotiate settlements that reflect what a client can actually afford — not what a collector demands.

Foreclosure Defense and Loan Modifications

Manhattan homeowners and co-op owners facing foreclosure have legal options that are frequently underused. We represent clients in mandatory settlement conferences, pursue loan modifications that can reduce monthly payments or bring accounts current, and litigate foreclosure cases where the lender's conduct or documentation warrants a legal challenge.

Student Loan Defense and Resolution

Federal student loan default can trigger wage garnishment, tax refund seizure, and damage to professional licenses. We help borrowers in New York County understand their options — income-driven repayment, consolidation, rehabilitation, and defense against collector harassment — and we handle the process from start to resolution.

Consumer Protection: FDCPA and FCRA Claims

Debt collectors who violate the Fair Debt Collection Practices Act can be sued, and the law provides for attorney's fees and statutory damages when they do. Credit reporting errors under the FCRA can be corrected through a formal dispute and litigation process if the bureaus fail to act. We handle both, and in many cases these claims cost the client nothing out of pocket.