Bankruptcy Law Firm In Westchester County
Stop Foreclosure & Eliminate Debt
The Law Office of Charles A. Higgs is dedicated to providing skilled legal representation to individuals and small businesses facing bankruptcy, foreclosure, and real estate litigation issues. With a focus on Westchester County, Kings County, Bronx County, Queens County, NYC, Putnam County, Rockland County, and the surrounding communities, we specialize in bankruptcy filings, foreclosure defense, and real estate litigation, offering compassionate assistance and strategic counsel to our clients.
Frequently asked questions
Bankruptcy is a legal process that helps individuals and businesses eliminate or restructure overwhelming debt under federal law. In New York, bankruptcy cases are filed in federal court and can provide relief through Chapter 7 (liquidation), Chapter 13 (repayment plan), or Chapter 11 (reorganization). Our Westchester bankruptcy attorneys guide you through every step, from filing to discharge.
The best bankruptcy option depends on your income, assets, and financial goals.
Chapter 7 is ideal for people with limited income who want to eliminate most unsecured debts like credit cards and medical bills.
Chapter 13 helps those who have regular income and want to catch up on missed mortgage or car payments through a repayment plan.
Chapter 11 is ideal for businesses that are seeking to continue operating, while reducing and restructuring their debts. Chapter 11 is also sometimes used by individuals that own multiple properties or have debts beyond the Chapter 13 debt limit.
Our Westchester law firm will review your situation and help you choose the right option.
No, filing for bankruptcy does not mean losing your home. In fact, bankruptcy can help you keep your home by stopping foreclosure and allowing you to catch up on your mortgage payments through a Chapter 13 repayment plan. Speak to our attorneys about the best strategy to keep your home safe.
Chapter 7 bankruptcy usually takes about 4 to 6 months from filing to discharge.
Chapter 13 bankruptcy lasts 3 to 5 years because it involves a repayment plan.
Chapter 11 bankruptcy varies but generally allows for a 5 year plan of reorganization. Our experienced bankruptcy lawyers in Westchester County will help you understand timelines and requirements.
No. While bankruptcy stays on your credit report for 7–10 years, most people start rebuilding their credit within months of discharge. In many cases, filing bankruptcy can improve your financial health faster than struggling with late payments and collections.
Yes. Filing for bankruptcy triggers an automatic stay, which immediately stops foreclosure and collection actions. This gives you time to work out a solution, such as catching up on mortgage payments through Chapter 13 or negotiating with your lender.