Brooklyn Chapter 7 Bankruptcy Lawyer

Debt Relief Help When You Feel Out Of Options

When bills keep piling up, lawsuits and collection calls do not stop, and you are worried about how to make rent, it can feel like there is no way out. Talking with a bankruptcy attorney early can help you understand whether a fresh financial start is possible.

At the Law Office of Seni Popat, P.C., we work with individuals and families across New York City, including many who live and work in Brooklyn, who are facing overwhelming consumer debt. With more than 15 years of legal experience, attorney Seni Popat leads our team in guiding clients through difficult financial situations with clear, practical advice.

We know that considering bankruptcy is stressful and often emotional. Our role is to explain your options in plain language, answer your questions, and help you decide whether Chapter 7 is the right step for you. Your initial consultation is free, and we welcome the chance to review your situation in detail.

To schedule your free consultation, call (718) 866-3186 today.

What is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is a federal debt relief option that allows eligible individuals to discharge most unsecured debts. This includes credit card debt, medical bills, personal loans, and certain other obligations. In a Chapter 7 case, a trustee is appointed to review your financial situation, sell non-exempt assets if necessary, and distribute proceeds to creditors.

Most Chapter 7 cases in New York are “no-asset” cases, meaning the filer keeps all exempt property and the trustee does not sell any assets. The main goal is to eliminate qualifying debts and give you a clean slate.

How Chapter 7 Works in New York

Filing Chapter 7 in Brooklyn follows a structured legal process:

1. Initial Consultation

Our Brooklyn Chapter 7 bankruptcy lawyers start with a full review of your finances, debts, assets, income, and goals. We explain your options, eligibility, and what to expect throughout the process.

2. Credit Counseling

Before filing, you must complete a credit counseling course from an approved agency. This course usually takes about 60–90 minutes and provides basic financial education.

3. Filing the Petition

Your attorney prepares and files the bankruptcy petition, schedules, and required documentation with the U.S. Bankruptcy Court for the Eastern District of New York (Brooklyn). This includes information about your income, debts, assets, expenses, and financial history.

4. Automatic Stay

Once your case is filed, an automatic stay goes into effect. This immediately stops most collection actions, including:

• Credit card calls and collection letters
• Wage garnishments
• Lawsuits and judgments
• Utility shut-offs (in some cases)

5. Meeting of Creditors

About 21–40 days after filing, you attend a 341 meeting with the bankruptcy trustee. Your attorney will prepare you for the meeting and attend with you. The trustee may ask questions about your finances and assets.

6. Discharge

If the court approves your case and you complete a required debtor education course, most of your unsecured debts are discharged—typically within 3–6 months of filing.

Benefits of Chapter 7 Bankruptcy

Chapter 7 offers several key advantages for qualifying Brooklyn residents:

1. Fast Debt Relief

Unlike Chapter 13, which involves a 3–5 year repayment plan, Chapter 7 typically resolves within months.

2. Debt Discharge

Most unsecured debts can be eliminated, including:

• Credit card balances
• Medical bills
• Personal loans
• Utility bills
• Certain old tax debts

3. Immediate Relief from Collections

The automatic stay stops most creditor actions immediately after filing, giving you breathing room to regain control.

4. No Repayment Plan

Chapter 7 does not require monthly payments to creditors, making it ideal for people with limited income.

5. Keep Exempt Property

New York has exemptions that protect certain assets, including:

• A portion of home equity
• A vehicle exemption
• Personal property exemptions
• Tools of the trade

Our Brooklyn Chapter 7 bankruptcy lawyers will help you understand what property you can protect and how to maximize your exemptions.

Chapter 7 vs. Chapter 13

Many people wonder which bankruptcy chapter is best. Chapter 7 is often ideal if:

• You have mostly unsecured debt
• You don’t have significant non-exempt assets
• You have limited disposable income
• You need fast debt relief

Chapter 13 may be better if:

• You want to keep non-exempt assets
• You have higher income but still need debt relief
• You are behind on mortgage or car payments and want to catch up

Our team will evaluate your situation and recommend the best option for your goals.

Chapter 7 FAQs

Will I lose my home in Chapter 7?

Most Brooklyn residents who qualify for exemptions can keep their home. The outcome depends on equity and whether you are current on mortgage payments.

Can I keep my car?

In many cases, yes. New York’s exemptions may protect a portion of your vehicle’s value. If you have a car loan, you may need to reaffirm the debt or surrender the vehicle.

How long does Chapter 7 stay on my credit report?

A Chapter 7 discharge typically remains on your credit report for 10 years. However, many people begin rebuilding credit immediately and improve their score within 12–24 months.

Are student loans dischargeable?

Student loans are generally not dischargeable in Chapter 7 unless you can prove “undue hardship,” which is very difficult.

Can I file Chapter 7 again?

You may file again, but there are waiting periods. Generally, you must wait 8 years after a previous Chapter 7 discharge.

Talk With Our Team About Your Options

If debt is controlling your days and keeping you up at night, you do not have to sort through Chapter 7 on your own. Speaking with a knowledgeable Chapter 7 bankruptcy lawyer can give you a clearer picture of your choices and what filing might mean for your property and your future.

At the Law Office of Seni Popat, P.C., we bring more than 15 years of legal experience, direct attorney access, and a compassionate, client-focused approach to every case. Your consultation is free, and you can ask the questions that matter most to you. We will walk through your income, assets, and debts and discuss practical next steps.

Contact us today for more information about our bankruptcy services.