Chapter 7 Bankruptcy Attorneys in Westchester County, New York
If you’re overwhelmed by credit card bills, medical debt, or personal loans, Chapter 7 bankruptcy may provide the financial relief you need. At The Law Office of Charles A. Higgs we help individuals and families in Westchester County, New York eliminate unsecured debt and get a fresh financial start. Our experienced Chapter 7 bankruptcy attorneys will guide you through every step of the process, from determining your eligibility to protecting your assets using available exemptions.
What is Chapter 7 bankruptcy and how does it work in New York?
Chapter 7 bankruptcy, also called liquidation bankruptcy, helps individuals eliminate most unsecured debts like credit cards, medical bills, and personal loans. In New York, the process involves filing a petition in federal bankruptcy court, attending a creditors’ meeting, and receiving a discharge of qualifying debts—usually within 4–6 months. Our Chapter 7 bankruptcy lawyers in Westchester County, New York handle every step to make the process stress-free.
Am I eligible for Chapter 7 bankruptcy in New York?
Eligibility for Chapter 7 depends on passing the Means Test, which compares your income to the New York State median income for your household size. Even if your income is above the median, you may still qualify based on expenses. We offer a free consultation to help determine if Chapter 7 is right for you.
Will I lose my home or car if I file Chapter 7 in New York?
Not necessarily. New York bankruptcy laws allow you to keep essential property through exemptions such as the homestead exemption for your home and exemptions for your vehicle, retirement accounts, and personal belongings. Our attorneys work to protect as much of your property as possible.
How long does a Chapter 7 bankruptcy take in Westchester County?
Most Chapter 7 cases are completed in 4 to 6 months from the time you file until you receive your discharge. Our firm ensures your case moves efficiently so you can start rebuilding your financial future quickly.
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