Bankruptcy Legal Services

Get Rid of Crushing Debt With Bankruptcy Lawyers

As the economy has gone up and down in recent years, many people have fallen on hard times. If debt is starting to catch up with you, there's no reason to feel shame. Instead, it may be time to take action with help from Marcote & Associates.

We look out for your best interests. While we specialize in bankruptcy, we know that's not right for every client. If needed, we'll work on your behalf to persuade creditors to lower your debt and accept more reasonable monthly payments.

However, if bankruptcy is the best option, we'll help you understand the process so you're fully prepared. We'll look at your debts, income, and expenses, and then we'll explain how bankruptcy will affect your family, home, business, and future credit. We answer all your questions and provide compassionate legal support.

Get Reprieve Through Automatic Stay

Falling behind on your bills is hard enough. The aggressive tactics most creditors take will only compound your stress. You can put an end to the constant barrage of harassing phone calls and letters meant to intimidate you into paying debts you can't afford.

When you file for bankruptcy with support from Marcote & Associates, you'll get an immediate reprieve. Creditors are legally required to stop their collection efforts, which means those distressing letters and phone calls must stop.

Then, once you have a chance to get some perspective, we'll help you deal with those creditors in a calmer, fairer context. Your peace of mind matters!

Your Bankruptcy Options in New York

The U.S. Bankruptcy Code provides relief for businesses and consumers. Each one has different eligibility requirements and advantages in particular situations. Take some time to learn about the most common types of bankruptcy to see if one is right for you.

Chapter 7

If you and your spouse own few assets and earn relatively low wages, Chapter 7 is available to provide relief from your debts through the liquidation of your assets. Because many household and personal items are exempt from bankruptcy liquidation, you can make a fresh start with limited disruption to your life.

Chapter 11

If you own a corporation, partnership, or sole proprietorship, Chapter 11 bankruptcy permits your business to continue operating while you pay creditors under a reorganization plan. This option helps you escape debt without losing the business you struggled so hard to build.

Chapter 13

Chapter 13 bankruptcy enables you to prevent your lender from foreclosing on your home. If you or your spouse have substantial incomes but sudden illness, job loss, or another unexpected circumstance has interfered with your ability to pay your debts, Chapter 13 bankruptcy permits you to pay debts over time in smaller amounts.

Choose the Best Legal Team for Your Bankruptcy Case

If bankruptcy is the right choice for you, we'll let you know. Plus, we'll stay at your side, guiding you through the process from start to finish. We may be legal experts with over 80 years of combined experience, but we strive to offer personalized legal support.

Call (516) 246-5744 now! You don't have to struggle with your finances any longer. Get a free consultation and see if bankruptcy is the right choice for you.