Bankrutpcy Lawyer in Suffolk County Long Island
Lose your job? Hours cut back? Unforeseen medical emergency? Bite off more debt than you can chew?
If you answered “yes” to any of these questions, then a Chapter 7 bankruptcy may be right for you. A Chapter 7 bankruptcy will not only provide you with an opportunity for a fresh start, but it will also stop harassing phone calls from debt collectors, collection agencies and credit card companies, as well as allow you to quit paying those outrageous interest rates and penalties credit card companies charge.
Located in Central Islip, the Law Offices of Shawn R. Kassman can provide Chapter 7 bankruptcy representation to individuals throughout Suffolk County and Nassau County, including Bayshore, Oakdale, Sayville, Riverhead, Port Jefferson, Brentwood and Holtsville.
To speak with an experienced Suffolk County Chapter 7 bankruptcy attorney about your credit card and other debts, please call 631-232-9479 (toll-free 1-888-545-2944).
Skilled Suffolk County Chapter 7 Bankruptcy Attorney
Debt is classified as “secured debt,” such as your house or your car, where the loan is secured with specified property (the bank has a lien on your house or your car), and “unsecured debt,” such as credit card debt and medical bills, where the debt is not secured by any specific property. In a Chapter 7 bankruptcy, you can eliminate or significantly reduce your unsecured debt, often times paying nothing at all or pennies on the dollar.
Speak to one of our bankruptcy attorneys to determine if a Chapter 7 bankruptcy can help you with your situation. Call 631-232-9479 (toll-free 1-888-545-2944).
Does Filing a Chapter 7 Bankruptcy Affect My Credit?
Yes. But let’s face it, how good will your credit be if you cannot pay your debts anyway? At least with a Chapter 7 bankruptcy, your situation will improve and you can start building your credit back up. Realistically, don’t expect to start seeing an improvement in your credit for a couple of years.
What If Creditors Continue to Attempt to Collect a Debt After It Has Been Discharged in Bankruptcy?
If your creditor was listed in the bankruptcy, then when your bankruptcy was discharged, that debt is deemed paid in full and a creditor has no right to attempt to collect the debt. In fact, it is against the law for them to do so.
What If I Want to Pay Back Some of My Unsecured Creditors?
Once your debts are discharged through a Chapter 7 bankruptcy, you are no longer legally liable for the debt. If you choose to pay back someone, you may elect to do so, but understand that you are not legally obligated to do so.
Will Filing for Bankruptcy Stop Collection Efforts and Creditor Harassment?
Yes. Filing for bankruptcy protection, including Chapter 7 bankruptcy, stops all creditors from continuing collection efforts, and their failure to cease and desist from any and all collection efforts is a violation of the law.
Contact Suffolk County Chapter 7 Bankruptcy Attorney Shawn Kassman
If you have questions related to New York Chapter 7 bankruptcy or want more information about the bankruptcy process and whether you qualify for a Chapter 7 bankruptcy, please call attorney Shawn Kassman or a member of his legal team at 631-232-9479 (toll-free 1-888-545-2944), or fill out our online intake form. We are available 24 hours a day, seven days a week and assist clients located in Central Islip (main office location), Holtsville (office location), Bayshore, Brentwood, Oakdale, Sayville, Port Jefferson and Riverhead, and both Suffolk and Nassau Counties. Our Central Islip law offices are conveniently located down the street from the city courthouse, and we will aggressively utilize the bankruptcy laws to help you and your family attain a fresh start.