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450 Lexington Ave, FL 4  New York, NY 10017

©2019 by Law Office of Charles A. Higgs. 

Disclaimer

We are a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code. The services, benefits or assistance we provide in connection with consumer debts may involve bankruptcy relief under the Bankruptcy Code.          

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The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.

PERSONAL BANKRUPTCY

Eliminate your debts and obtain a fresh start

 
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CHAPTER 7 BANKRUPTCY

  Chapter 7 Bankruptcy is the most common form of bankruptcy and is generally cheaper and faster than other bankruptcy options.

  Most people are able to keep all of their property and discharg

 their debts in Chapter 7 bankruptcy without losing anything.          For individuals with non-exempt assets  Chapter 13 or Chapter 11 bankruptcy might be a better option.

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CHAPTER 13 BANKRUPTCY

Unlike Chapter 11 bankruptcy, Chapter 13 bankruptcy is only available to individuals. In Chapter 13 Bankruptcy you will propose a “repayment” plan of 3-5 years.  Chapter 13 offers potential benefits   not available in Chapter 7, such as providing individuals with the         chance to catch up on mortgage payments, allowing individuals to     keep certain non-exempt assets, and in some cases providing              individuals with the opportunity to remove a second mortgage.

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