Bankruptcy and Debt Defense Attorney Serving Queens County, NY
Queens residents dealing with creditor lawsuits, wage garnishments, foreclosure threats, or MCA defaults come to us when the pressure becomes too much to carry alone. At Aronow Law, we have spent 23 years helping people in exactly this situation find a legal path forward — and we do it without timers, gatekeepers, or rushed consultations. When you call, you speak with us directly.
FDCPA and FCRA Violations Create Legal Claims — Not Just Complaints
Attorney Fees Recoverable by Statute in Successful FDCPA and FCRA Cases
No Nassau County Competitor Has Dedicated FCRA, FDCPA, TILA, or RESPA Pages
Consumer Protection Claims Handled Alongside Bankruptcy and Debt Defense
Free Consultations With No Time Limit
Legal Help for Queens Residents Facing Serious Debt Problems
Queens is one of the most economically diverse counties in New York, and the financial pressures its residents face are just as varied. Whether you are a homeowner in Jamaica falling behind on mortgage payments, a small business owner in Flushing dealing with a merchant cash advance default, or an individual in Astoria being sued by a credit card company, the legal options available to you depend on the specific details of your situation — not a one-size-fits-all script.
We handle the full range of consumer and business debt matters, including:
- Chapter 7 and Chapter 13 bankruptcy
- Debt defense for creditor lawsuits and time-barred debt
- Foreclosure defense and loan modifications
- Merchant cash advance (MCA) lawsuit defense
- SBA and EIDL loan defense
- Wage garnishment intervention
- Student loan defense and consolidation
- Consumer protection claims under the FDCPA and FCRA
If you are not sure which option fits your situation, that is exactly what a free consultation is for.
Why Queens Residents Choose Aronow Law
Choosing a bankruptcy attorney in Queens means choosing someone who will actually be there with you through the process — not a firm that hands you off to a paralegal after the first call. Here is what sets our practice apart:
- 23 years of continuous practice in consumer and business debt law across New York
- Direct access to your attorney — Darren speaks personally with nearly every client throughout their case
- Free consultations with no time limit — we take the time to understand your situation fully before recommending anything
- Full bilingual support in Spanish — not just at intake, but through every stage of the legal process
- 5-star Google reviews from clients who came to us overwhelmed and left with a clear plan
- Licensed in New York, New Jersey, and Pennsylvania, admitted to EDNY and SDNY
Queens clients do not get a junior associate and a case number. They get real attention from an attorney who has handled cases like theirs for more than two decades.
Bankruptcy Options for Queens County Residents
Bankruptcy is a federal legal tool, and when it is the right fit, it can stop creditor calls, end garnishments, pause foreclosure proceedings, and discharge qualifying debt entirely. We help Queens residents evaluate both primary options clearly and honestly.
Debt Relief Options
Chapter 7 Bankruptcy
Chapter 7 is the faster of the two paths. It discharges most unsecured debt — credit cards, medical bills, personal loans — without a repayment plan. If you qualify based on income, the process typically takes four to six months from filing to discharge. For Queens residents who are current on their mortgage but drowning in unsecured debt, Chapter 7 often provides the most direct relief.
Chapter 13 Bankruptcy
Chapter 13 restructures your debt into a three-to-five-year repayment plan supervised by the bankruptcy court. It is the right choice when you have income to work with, assets you want to keep, or mortgage arrears you need to catch up on. Homeowners in Queens facing foreclosure frequently use Chapter 13 to stop the process and repay what they owe over time while staying in their home.
MCA and Business Debt Defense
Merchant cash advance agreements are among the most aggressive debt instruments in use today. Queens business owners who signed MCA contracts — often under pressure and without fully understanding the terms — can face frozen accounts, UCC lien filings, and confessions of judgment that move faster than traditional litigation. We defend MCA lawsuits, challenge improper UCC liens, and negotiate restructured terms when that is the better path.
SBA and EIDL Loan Defense
SBA loans and EIDL advances issued during and after the pandemic left many Queens business owners with federal debt they cannot repay. We help clients pursue SBA Offers in Compromise, defend against personal guarantee enforcement, and negotiate restructured repayment terms with the agency. Federal loan defense requires specific knowledge of SBA procedures — this is not general bankruptcy practice.
Foreclosure Defense for Queens Homeowners
Queens has a substantial homeowner population, and foreclosure is one of the most time-sensitive legal situations a homeowner can face. Delays in responding to a foreclosure action can eliminate options that would otherwise be available. We represent Queens homeowners in mandatory settlement conferences, pursue loan modifications when the numbers support it, and litigate foreclosure cases when the lender has not followed proper legal procedure. If you have received a foreclosure notice, the time to call is now — not after the next court date passes.
Best Decision I made was to call Aronow Law and I received the Best Outcome!! Malini is an outstanding advocate for those navigating the legal system. Knows her stuff. Aronow Law provided swift problem free assistance. My experience working with this firm has been awesome. So very thankful. Would tell everyone to call Aronow Law if you are in need of legal services. You'll be very happy you did.
Kobin W.
Google Reviews
This law firm is the best !! I can’t express how above and beyond they went to help. My grandmother saved her house ! Because of them a house she’s been in since she was a baby is now hers to keep and she’s 80 years old….. They went above and beyond answering any questions although we got frustrated at times they never ever disrespected us and keep to professional always !!! Thanks so luv from the Campbell family :)!
Nanamilan2010
Google Reviews
Best decision I ever made. They did an amazing job helping me through this process always answering my questions and helping me through every single step along the way explaining everything to mean. If you are ever looking for an attorney to represent you in the bankruptcy process, he is the one.
Merlo M.
Google Reviews
Aronow Law did an amazing job handling my bankruptcy case. They not only made the entire process smooth and stress-free, but they also went above and beyond by getting my EZPass tolls discharged—something I didn’t think was possible. Thanks to their incredible work, the suspension on my vehicle registration was lifted, and I was finally able to get back on the road. Highly recommend them!
Suhrob s.
Google Reviews
Serving All of Queens County
Do I have to come to your office in person to get started?
No. Many of our Queens clients handle their entire consultation and much of the legal process remotely, by phone or video. We make it easy to work with us regardless of where you are in the borough.How do I know if Chapter 7 or Chapter 13 is right for me?
The right chapter depends on your income, the types of debt you carry, whether you own property, and what outcome you are trying to achieve. We walk through all of this with you during your free consultation — there is no pressure to decide anything during that first conversation.Can bankruptcy stop a wage garnishment that has already started?
Yes. Filing for bankruptcy triggers an automatic stay, which immediately halts most collection actions, including active wage garnishments. If your paycheck is already being docked, filing quickly can stop further deductions.I own a business in Queens and I am being sued by an MCA company. What can you do?
We defend MCA lawsuits, challenge confessions of judgment, dispute improper UCC lien filings, and negotiate restructured terms directly with MCA funders. The first step is understanding exactly what you signed and what legal leverage exists in your specific agreement.Do you offer services in Spanish for Queens clients?
Yes. We provide full bilingual support in Spanish throughout the entire legal process — not just during the initial intake call. Queens has a large Spanish-speaking community, and we are equipped to serve those clients completely in their preferred language.
Ready to Talk to a Debt Attorney Serving Queens County?
You do not have to figure this out alone. Whether you are facing a creditor lawsuit, a garnishment, a foreclosure notice, or a business debt you cannot repay, we can help you understand your options and take the next step with confidence. Call us at 516-762-6700 or use the form below to schedule your free consultation. We are available Monday through Friday, 9:00 a.m. to 8:00 p.m., and Saturday, 11:00 a.m. to 4:00 p.m.
