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Nassau County Bankruptcy Solutions for Financial Relief

Compassionate Support for Your Financial Challenges

Filing for bankruptcy can feel like a daunting prospect. However, there are times when it is the best decision for you and your family. Whether you are struggling with overwhelming credit card debt, facing foreclosure on your home, or struggling to keep up with your car payments, The Law Office of David C. Meltzer, PLLC can help you understand your options and choose the best course of action for your situation.

Our Nassau County bankruptcy lawyer has years of experience, and we have helped numerous people get back on their feet. We are determined to help you, too. When you work with us, you can be confident that you will be treated with the respect and compassion you deserve.

Let our firm help you determine if filing for bankruptcy is right for you. To schedule a free initial consultation, contact us online or call (904) 418-7454.

Consultation with a Bankruptcy Attorney

When you meet with our firm, you will have the chance to discuss your situation with an experienced attorney. We will work with you to determine whether filing for bankruptcy is the best option for you, as well as whether you qualify for any exemptions. If you do not qualify for bankruptcy, we can help you explore other options to resolve your debt.

Once you have determined the best course of action for you, we will help you prepare the necessary paperwork and guide you through the process. No matter what you are facing, our goal is to help you get back on your feet as quickly as possible.

Understanding Chapter 7 Bankruptcy

Chapter 7 bankruptcy is often referred to as straight bankruptcy or liquidation. It involves a court-appointed trustee selling off non-exempt assets and distributing the proceeds to creditors. It is most often used by individuals who have considerable amounts of unsecured debt, such as credit card debt.

Commonly Asked Questions

  • An automatic stay is a court order that comes into effect as soon as you file for bankruptcy. It provides immediate relief by halting all collection actions by creditors. This means that foreclosures, repossessions, wage garnishments, and lawsuits against you must stop. This gives you breathing room to reorganize your finances and work on discharging your debts without the constant pressure from creditors.

  • Filing for bankruptcy can lead to the discharge of many unsecured debts, such as credit card debt, medical bills, and unpaid utility bills. However, not all debts can be eliminated through bankruptcy. Our attorneys at The Law Offices of David C. Meltzer, PLLC can provide guidance on which debts you may be able to discharge and help you understand the relief you can expect from the bankruptcy process.

  • Chapter 7 bankruptcy is designed for individuals with limited disposable income who cannot pay off their unsecured debts. It involves liquidating non-exempt assets to pay creditors and discharging remaining eligible debts. Eligibility is determined by the means test, which assesses your income and expenses. Our attorneys can help you understand if you qualify for Chapter 7 and assist in protecting your exempt assets, such as home equity and retirement accounts, during the process.

  • The key difference between Chapter 7 and Chapter 13 bankruptcy lies in the handling of assets and repayment of debts. Chapter 7 is suitable for those with little disposable income and involves liquidating non-exempt assets to pay creditors. Chapter 13, on the other hand, is for individuals with regular income who can repay a portion of their debts through a structured repayment plan over three to five years. Our attorney can help you decide which type of bankruptcy is more appropriate for your situation.

  • Bankruptcy can be a powerful tool in stopping a foreclosure. Filing for bankruptcy triggers an automatic stay that prevents creditors from continuing with foreclosure actions. If you file for Chapter 13 bankruptcy, you can include mortgage arrears in your repayment plan and keep your home as long as you continue making payments. Our attorney at The Law Offices of David C. Meltzer, PLLC can help you understand your options and navigate the process to avoid foreclosure.

Guidance. Experience. Compassion.

Reviews & Testimonials

Hear what clients are saying about The Law Office of David C. Meltzer, PLLC

  • Left us with Peace of Mind
    “When I called he answered the phone quickly and was happy to get my husband and I in for an appointment to discuss our potential business questions and guide us in the right direction!”
    - Taylar S.

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