Frequently Asked Questions
Queens Bankruptcy Attorney
Are there alternatives to filing for bankruptcy?
Yes. A Queens bankruptcy lawyer can review your financial situation with you and determine whether or not bankruptcy is the ideal solution given your circumstances and priorities. Your legal counsel can help you to fully understand your options, which may include such actions as consolidating your bills, loan modification, a short sale or deed in lieu.
Is there anything I can do about creditor harassment?
Yes. Creditor harassment is illegal per the Fair Debt Collection Practices Act. Creditors may not abuse you, threaten violence, use obscene language, publicly publish your name, call repeatedly without identifying themselves as creditors, call at unreasonable hours, or make false or misleading statements. Your legal representation can take action to end this type of treatment and, in fact, once you are represented by an attorney, a creditor may not contact you directly.
Are all types of debts discharged in a bankruptcy?
Not all debts are covered by bankruptcy. In a Chapter 7, qualifying debts include personal loans, credit cards, medical bills, repossession deficiencies, most court judgments and in some cases, certain tax debts. Debts not covered include most student loans (except for cases of undue hardship), recent taxes, child support and spousal maintenance, government fines and penalties, and debts resulting from fraud. Additional debts may be excluded depending on your specific circumstances. A knowledgeable attorney from Blutter & Blutter can review your case and held you determine the most appropriate form of bankruptcy or alternative to bankruptcy to help you.
How long will a bankruptcy affect my credit?
While a Chapter 7 or Chapter 13bankruptcy may remain listed on your credit report for up to ten years, it does not have to negatively affect your credit rating for this long. If you are considering bankruptcy, your credit rating is already at risk if not severely damaged. Upon filing for bankruptcy, you are given the fresh start you need to be able to immediately start rebuilding your credit.
Contact a Queens bankruptcy lawyer for answers to your questions about bankruptcy and its alternatives.