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Bankruptcy Lawyer Serving Clients in Westchester, Rockland, NYC & NJ

An Experienced Bankruptcy and Loss-Mitigation Attorney

Chapter 7, Chapter 13, Debt Settlement, Foreclosure Defense

In generations past, people who could not pay their debts often ended up in debtors' prisons or trapped in inescapable, difficult working conditions as indentured servants. The founding fathers of our country considered the option of bankruptcy to be so important in a free nation that they built provisions for it into the U. S. Constitution.

Are you struggling with overwhelming debts that you cannot repay? Contact Adams Law Group LLC in Westchester, Rockland County or NYC to schedule a free initial consultation.

A knowledgeable bankruptcy lawyer is a valuable source of information about the options and processes of Chapter 7 and Chapter 13 bankruptcy. Bankruptcy may carry negative consequences, but these are probably less than you imagine. If you've come to a difficult place in your financial life, bankruptcy may be the best option for you. If it isn't, we can explain your other options.

  • Chapter 7 bankruptcy is often referred to as "debt discharge" or "liquidation" bankruptcy. For most people, it means that your consumer debts are wiped out, medical bills are wiped out and money earned thereafter is yours to keep. Some assets may need to be liquidated in a Chapter 7 personal bankruptcy, but for most people there are no assets to liquidate after exemptions are taken into account. Get more information about Chapter 7 bankruptcy by contacting us.
  • Chapter 13 bankruptcy is often referred to as "debt reorganization" bankruptcy. This form of bankruptcy will require a debtor to repay some of their debt over a period of three to five years. Normally, the total repaid will be a fraction of the original debt — with no interest. Chapter 13 bankruptcy may be appropriate for people with higher incomes or non-exempt property. Get your questions about Chapter 13 bankruptcy answered by calling or e-mailing Adams Law Group.
  • People approaching bankruptcy often want to explore alternative forms of loss mitigation such as Debt Settlement Information or loan modifications. An experienced bankruptcy attorney will be able to analyze your situation and explain which remedy is best for you.

Take Action Promptly if Debt Overwhelms Your Ability to Repay

Most clients who file bankruptcy regret not doing it sooner. It makes no sense to continue pouring money down the drain, trying in vain to keep up with minimum payments at high interest rates. The sooner you settle or discharge your debts, the sooner you can begin moving forward: rebuilding your credit, rebuilding your financial life.

Filing bankruptcy will put an "automatic stay" into effect right away — which will stop foreclosure, stop collection practices and buy you time to put your financial affairs in order. Once the bankruptcy is complete, your unsecured debts will either be wiped out or favorably restructured.

Contact Adams Law Group to schedule a consultation with an experienced New York bankruptcy attorney who is ready to work with you to achieve the debt relief that you seek.

*We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. (Federal Law Requires that we make this disclosure, but don't worry, we do lots more that just bankruptcy practice.)

Office Locations

Adams Law Group LLC
160 Summit Ave #205
Montvale, NJ 07645

Please call for an appointment in one of our offices conveniently located in Manhattan, Westchester and Rockland.
888-738-0088 or Email

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