A Fresh Start With Chapter 7 Bankruptcy

Wipe out overwhelming debt and reclaim your financial future with dignity.

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Is Chapter 7 Right for You?

Chapter 7 bankruptcy is the most common form of debt relief in the United States, often referred to as a "liquidation" or "straight" bankruptcy. It is designed to provide individuals and families with a clean slate by discharging most unsecured debts, such as credit card balances, medical bills, and personal loans. At Zimmelman Law, we help you determine if you qualify and ensure the process is handled with the personal attention you deserve.

The Benefits of Filing

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Stop Creditor Harassment

The moment you file, an "automatic stay" goes into effect. This legally prevents creditors from calling you, sending letters, or pursuing lawsuits and wage garnishments.

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Eliminate Unsecured Debt

Chapter 7 can completely discharge most unsecured debts, allowing you to move forward without the weight of past financial mistakes or unexpected hardships.

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Protect Your Essentials

Individuals filing for bankruptcy relief in New York are afforded generous exemptions to protect assets while eliminating debt.

Direct Advocacy Every Step of the Way

Filing for bankruptcy is a significant decision. Unlike high-volume firms that treat clients like file numbers, you will receive personal attention from Matthew Zimmelman, Esq. from the initial case assessment, to the discharge. We ensure your paperwork is meticulous and your rights are protected.

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Common Questions

Can I protect my house in a Chapter 7 bankruptcy?

In a Chapter 7 bankruptcy, an individual residing in Queens, Manhattan, Brooklyn, Staten Island, the Bronx, Long Island, and Westchester, Rockland, and Putnam Counties may protect up to $204,825 in equity in a primary residence. Equity is calculated by taking the current value of the home and subtracting any outstanding mortgage balances.

Because additional limitations may apply, it is always best to speak with an experienced bankruptcy attorney to confirm whether your home is fully protected.

Take the First Step Toward Relief

Don't let debt control your life any longer. Schedule a consultation with Zimmelman Law to discuss your path to a fresh start.