FAQs

Bankruptcy may be a suitable option if you're facing overwhelming debt, persistent collection calls, wage garnishments, or the possibility of foreclosure or repossession. A brief telephone consultation can help determine the most appropriate course of action for your situation.

Our firm specializes in Chapter 7 and Chapter 13 bankruptcy filings for individuals and families. We work closely with clients to identify the most suitable bankruptcy solution based on their unique financial circumstances.

Yes, it will. Upon filing your case, an automatic stay takes effect immediately. This legal protection halts creditor calls, collection activities, wage garnishments, and most legal proceedings against you.

In the majority of cases, bankruptcy can assist you in retaining your home and vehicle. We'll assess your specific situation to determine the best strategy for protecting your assets.

Bankruptcy has the potential to eliminate or reduce numerous unsecured debts. This typically includes credit card balances, medical expenses, personal loans, and certain judgments against you.

While student loans and certain tax debts are generally more challenging to discharge, relief may be possible in specific circumstances. Our team conducts a thorough review of all debts to explore every available option for our clients.

The duration of bankruptcy proceedings varies by case type. A Chapter 7 bankruptcy typically concludes in approximately 3-4 months. Chapter 13 cases, which involve a repayment plan, generally last between 3-5 years.

Bankruptcy does impact your credit score, but it's not a permanent setback. Many clients begin rebuilding their credit immediately after filing. With proper financial management, credit improvement can often be observed within several months. Bankruptcy can serve as a foundation for a new financial beginning.

Court appearances are minimal for most clients. Typically, you'll only need to attend one brief session known as the Meeting of Creditors. This meeting is usually conducted remotely and does not involve a judge.

John Weber provides individualized, clear guidance to clients across Long Island and neighboring counties. Our firm is committed to helping individuals regain financial stability with professionalism, confidentiality, and extensive experience in bankruptcy law.