108-18 Queens Boulevard 4th Floor, Suite 3, Forest Hills, New York 11375
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Queens Bankruptcy Help

Understanding how bankruptcy works

Bankruptcy is not right for everyone. The best way to determine if it is right for you is to work closely with a reputable Queens bankruptcy attorney who can offer knowledgeable guidance and efficient bankruptcy filing. When you choose my firm, Mark E. Cohen, Esq., I answer your questions, explain every aspect of the law and outline your options. The process doesn’t have to be complicated. And the good news is it will provide you with tremendous relief.

The basics of bankruptcy

Bankruptcy is a federal court process that helps individuals and businesses wipe out their debts or repay them over time under the protection of the court. When you file for bankruptcy in Queens, an automatic stay goes into effect that immediately prohibits creditors from contacting you and puts a stop to:

  • Collection efforts
  • Foreclosure
  • Repossession efforts
  • Certain lawsuits
  • Wage garnishment

Though some debts, such as federally funded student loans, back child support or certain taxes, cannot be discharged through the courts, bankruptcy may give you the breathing room you need to set yourself up for a better future. I am happy to help clients get that fresh start as a dedicated Queens bankruptcy attorney.

Debt consolidation in Queens

There are several types of bankruptcy offered to individuals, families and small businesses struggling under financial burdens. When you visit my office for bankruptcy advice in Queens, I outline the steps you take to pursue one of the two most commonly filed bankruptcies:

Liquidation bankruptcy (Chapter 7) in which you:

  • Turn your personal property, with certain exceptions, over to the court
  • Use the proceeds from the sale of that property to pay some or all of your debts
  • Stop creditor harassment and actions against you
  • Become debt-free in only three to four months

Reorganization bankruptcy (Chapter 13) in which you:

  • File a proposal for debt repayment with the bankruptcy court
  • Agree to a manageable payment plan, usually spanning three to five years
  • Eliminate your debt and avoid liquidating your assets
  • Get yourself back on track financially

As intimidating as it might seem, bankruptcy can be a new beginning and the best option for putting debt behind you. I am committed to helping you feel comfortable with your choices and putting you on the road to financial recovery.

To ease the stress of overwhelming debt, call a bankruptcy lawyer in Queens

All too often, good people find themselves in financial trouble that quickly spirals out of control. For more than 20 years, I have helped people like you understand the available options, make informed decisions and navigate through the complex process of filing for bankruptcy.

Located on Queens Boulevard in Forest Hills, I offer a wide range of services to individuals and families suffering from the weight of debt. Call Mark E. Cohen, Esq. at 718-487-9979 or contact me online to schedule a free consultation.

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