Middletown New York Bankruptcy Lawyer

Middletown New York Bankruptcy Lawyer
Handling Chapter 7 & Chapter 13 Filings

Finding the right bankruptcy lawyer can be the critical first step in your struggle to regain your financial stability and peace of mind.

At Hayward, Parker, O’Leary & Pinsky, Esqs. our bankruptcy law firm focuses its practice on consumer bankruptcy law and the protection of debtors' rights. Attorneys Michael O’Leary and Michael Pinsky devote their entire careers to helping clients obtain Debt Relief and representing them in two types of consumer bankruptcy:

1. Chapter 7 Bankruptcy--which involves the elimination of credit card debt, medical debt and unsecured loans; and
2. Chapter 13 Bankruptcy--which involves repaying your debt over a period of time with manageable monthly payments, and can be used to stop a foreclosure of your home

Are you beginning to recognize some of the Warning Signs of impending financial difficulty?

Our bankruptcy law firm understands how humiliating it can be to be on the receiving end of constant Creditor Harassment, at home and at work, from debt collectors and collection agencies . We can help you eliminate this Creditor Harassment and obtain peace of mind and a fresh start, making you able to answer the telephone without fear of creditor abuse. If your house is in Foreclosure we can help you bring the legal proceedings to an immediate halt, allowing you to repay the missed payments over a period of up to five years.

In some circumstances the terms of your home mortgage loan can be modified through the Bankruptcy Court’s Loss Mitigation Program. In addition, there are many instances where a debtor in Chapter 13 can Get Rid of a Second or Third Mortgage.

Our bankruptcy attorneys do not represent big businesses in Chapter 11 bankruptcy which involves corporate reorganizations, nor do we represent creditors.  We only represent people like you who are struggling to pay their debts or save their homes from foreclosure.

Many people have the mistaken belief that the October 17, 2005 Changes in Bankruptcy Law made it impossible for people to file for bankruptcy, particularly Chapter 7. Nothing could be further from the truth. And with the recent amendments to New York’s exemption statutes, a Chapter 7 debtor filing after January 22, 2011 can protect more assets than ever before. Our experienced consumer bankruptcy attorneys can easily guide you through the process, handling the complicated aspects for you so that you can obtain the Debt Relief that you so desperately need and deserve.

Our bankruptcy law firm is dedicated to helping good people overcome their excessive debt and free themselves from the harassment of creditors. We offer solutions through Chapter 7 Bankruptcy and Chapter 13 Bankruptcy and sometimes other Bankruptcy Alternatives.

We offer you a FREE BANKRUPTCY CONSULTATION to
discuss and evaluate your financial situation.

Bankruptcy can be a powerful tool in the hands of a skilled bankruptcy lawyer. Discharging your excessive debt through bankruptcy can be the first step toward achieving financial stability. Catching up on your past due mortgage payments through a Court approved repayment Plan in a Chapter 13 Bankruptcy can save your home from foreclosure.

Call our office today at (845) 343-6227 and speak to Attorneys Michael O’Leary or Michael Pinsky to arrange a free consultation to discuss your options regarding bankruptcy and other alternatives to bankruptcy.