Bankruptcy & Foreclosure

A clear, honest assessment of whether bankruptcy is right for you, which chapter applies, and what it will and will not do for your situation. Built on years of pro bono service with the Brooklyn Bar Association’s Volunteer Lawyer’s Project representing indigent clients in bankruptcy matters, our counsel is practical, not sales-driven.

• Chapter 7 vs. 13 assessment
• Means-test analysis
• Honest, practical guidance

Defense of foreclosure actions at every stage — mandatory settlement conferences, loss-mitigation and modification review, and litigation of lender errors, standing defects, and statutory defenses. The goal is always the same: keep you in your home, or exit on the best terms the law allows.

• Settlement-conference representation
• Loan modification & loss mitigation
• Standing & statutory defenses

Practical strategies to restructure or resolve debt while protecting your home, income, and essential assets. We map the exemptions and protections New York law provides and build a plan around them — whether that means bankruptcy, a workout, or simply knowing which pressure to ignore.

• Exemption planning
• Workout strategies
• Asset protection

Direct negotiation with creditors and their collection counsel to reduce balances, stop collection pressure and harassment, and reach workable payment terms — often resolving in weeks what would otherwise be years of garnishments and frozen accounts.

• Balance reductions
• Collection & garnishment relief
• Workable payment terms