Chapter 7 Bankruptcy Lawyer in Queens
We Can Help You Eliminate Your Debts
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 bankruptcy in Queens. If this form of debt relief seems like the right option for you, our bankruptcy attorney 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, and student loans, cannot be discharged by Chapter 7 bankruptcy.
Eligibility for Chapter 7 Bankruptcy
To qualify for Chapter 7 bankruptcy, 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 a means test. A 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 for Chapter 7 bankruptcy, 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
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.
Take the first step towards a debt-free future by contacting our Queens Chapter 7 bankruptcy attorney at (718) 340-3385.
He really went above and beyond through my bankruptcy case.- Jazzy T., via Google
He calmed my nerves before, during, and after the process.- Joseph T., via Google
I would recommend to him everyone.- Fred J., via Google
I’m so confident in Seni, I’d recommend him to anyone needing an attorney.- Andy S., via Google
A lawyer who takes the time to manage all aspects of your case personally.- Julio R., via Google
Calm, Stress-Free Counsel From Beginning to End
Every Case is Handled by Attorney Seni Popat
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Attention to Detail on Every Case