BANKRUPTCY FAQS

Bankruptcy

What chapter Bankruptcy should I file?

How does a Chapter 7 Bankruptcy work?

How does a Chapter 13 Bankruptcy work?

Can I still file Bankruptcy under the new
law?

What documents should I bring with me to my bankruptcy consultation?

Do I need a lawyer to file a Bankruptcy?

What is the Bankruptcy 341 meeting?

Where is the Bankruptcy court located?

What is a secured creditor?

What is an unsecured creditor?

How does Bankruptcy effect my credit?

How do I pay for Bankruptcy if I am broke?

Should I charge more things to my credit cards before I file for Bankruptcy?

What is a Bankruptcy discharge?

What are the effects of a discharge?

Will I ever get credit again post Bankruptcy?

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CLIENT TESTIMONIALS

Queens NY Bankruptcy Lawyer

Experienced Bankruptcy Attorney Serving Queens, Brooklyn, Manhattan, Bronx, Nassau and Suffolk

DO I NEED A LAWYER TO FILE A BANKRUPTCY?

This is a very important question for debtors.

Under NYS law only a licensed attorney is allowed to give legal advice.

Bankruptcy petition prepares and paralegals can ONLY help you fill out paper work. Bankruptcy Petition preparers and paralegals are forbidden from offering you any legal advice whatsoever.

Additionally, a Bankruptcy Petition Preparer and/or Paralegal CANNOT represent you at the mandatory Section 341 Meeting, only an admitted attorney can.

That means that you would need to go to the Bankruptcy Court alone, to attend the Section 341 Meeting if you were to file without an attorney. Attending the meeting without legal representation would put you at a disadvantage if the Bankrtupcy Trustee were to challenge the exemptions listed in your petition. 

Also, an improperly filed Bankruptcy case can subject a debtor to the dismissal of his/her Bankruptcy case as well as subject the debtor to losing non-exempt assets and possible exempt assets. It is important to have knowledgeable representation in order to receive the maximum amount of exemptions allowable under the Bankruptcy Code.

It is important to note, that there are strict deadlines as to what, when and how a document need to be filed with the Bankruptcy court. Failure to timely file documents and/or improperly filed and missing information can result in the dismissal of your case.

The aid of an attorney will not only help maximize your benefits under the Bankruptcy code, but also help make this experience run as smoothly and stress free as possible.

Castro Law, PLLC

82-11 37th Avenue, Suite 603

Jackson Heights, NY 11372

Tel: 718.533.8090