Chapter 7

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.

Call (718) 340-3385 or contact us online to discover how we can help you eliminate what you owe.

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 bankruptcy attorney at (718) 340-3385.

Reviews from real clients

  • He really went above and beyond through my bankruptcy case.

    “Seni is absolutely amazing! He really went above and beyond through my bankruptcy case. I was very nervous not knowing what to expect, so I'm so happy I had the pleasure of having someone as caring as ...”

    - Jazzy T., via Google
  • He calmed my nerves before, during, and after the process.

    “Seni Popat did an excellent job with my bankruptcy, he made the process extremely smooth, not only did he calmed my nerves before, during, and after the process he handled everything with absolute ...”

    - Joseph T., via Google
  • I would recommend to him everyone.

    “Seni is a great attorney. I chose him from other Bankruptcy lawyers because he was more caring at the first consultation and charged a very reasonable legal fee. He got me a discharge for my Chapter 7 ...”

    - Fred J., via Google
  • I’m so confident in Seni, I’d recommend him to anyone needing an attorney.

    “It’s an absolute pleasure writing this review for Seni Popat and his Law Office. My mother looked up Seni and he quickly responded to her calls. He provided all the answers she needed and was quickly ...”

    - Andy S., via Google
  • A lawyer who takes the time to manage all aspects of your case personally.

    “Seni is an amazing lawyer who cares about your case, very pleasant, professional and intimate with your legal matters. He always kept me informed and up to date with my case information along with ...”

    - Julio R., via Google
/

Reasons we stand apart

  • Calm, Stress-Free Counsel From Beginning to End
  • Every Case is Handled by Attorney Seni Popat
  • Easily Accessible & Always Available
  • Attention to Detail on Every Case

Awards

& Associations