Chapter 7 Bankruptcy Lawyer in Queens
Eliminate Your Debt! Call (718) 340-3385 for a Free Consultation.
If you have debts that you are unsure how you are going to pay back, and the amount you owe just keeps growing, Chapter 7 bankruptcy may provide you with a chance to start over. However, choosing to file for this type of bankruptcy requires serious consideration.
At the Law Office of Seni Popat, we provide a free consultation to evaluate your current financial situation and determine if you qualify for Chapter 7. If this form of debt relief seems like the right option for you, our bankruptcy attorney in Queens can guide you through the process.
What Debts Does Chapter 7 Eliminate?
Chapter 7 bankruptcy is a way to discharge certain debts. When a debt has been removed, it means that a creditor cannot hold you personally liable for the debt or carry out collections actions against you. It also brings an end to creditor calls and wage garnishment and prevents foreclosure actions.
Chapter 7 bankruptcy eliminates a variety of unsecured debts, including:
- Credit card debt
- Medical bills
- Personal loans
- Lawsuit debts/civil judgments
- Tax debt (in some cases)
Other debts such as criminal fines, child support, alimony, or student loans, cannot be discharged via Chapter 7.
Eligibility for Chapter 7 Bankruptcy
To qualify for Chapter 7, your income must be less than the median income in the state of New York. Those who earn more than the median amount must pass the means test. The means test takes into account your income, expenses, and size of your family to determine if you have enough disposable income to pay back your debts. If you do not have enough to repay your debts, you pass the test and qualify.
There are several circumstances that could make a person ineligible to file, including:
- Failure to attend credit counseling
- Previous attempts at defrauding creditors or the bankruptcy court
- Having a debt discharged under Chapter 7 within the past eight years
- Having a debt discharged under Chapter 13 within the past six years
Get on the Path to Recovery. Call a Chapter 7 Attorney in Queens.
At the Law Office of Seni Popat, our priority is to help our clients through difficult situations. Our team works closely with clients to eliminate debt and get a fresh financial start. If you believe filing for Chapter 7 is right for you or if you are considering bankruptcy and want to explore your options, reach out to our firm today. Our Queens Chapter 7 lawyer is ready to answer any of your questions!
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Take the first step toward a debt-free future. Call our Queens Chapter 7 bankruptcy attorney at (718) 340-3385.
I had the pleasure of working with Seni Popat. He is a Top Professional!- I Gie – via Google
Law Office of Seni Popat is the place to get help.- Willie Kornegay - via Google
He is very knowledgeable, professional, helpful and was readily available to guide me and advise me through the filing process.- James Potter - via Google
Seni was absolutely fantastic.- Nicole H. - via Google
Mr. Seni Popat is THE BEST bankruptcy lawyer there is.- Yasmeen Smith - via Google