If you’re considering filing bankruptcy in New York, you’ll need to understand the types, costs, as well as some helpful advice to finding good attorneys.

Am I Qualified for Bankruptcy?

Filing for bankruptcy is a legal process designed to provide individuals and businesses with relief from overwhelming debt by either eliminating it (Chapter 7) or creating a manageable repayment plan (Chapter 13). In the state of New York, as in the rest of the United States, there are specific qualifications and requirements that individuals must meet to be eligible for bankruptcy protection.

Chapter 7 Bankruptcy Eligibility:

Chapter 7 bankruptcy, often referred to as “liquidation bankruptcy,” is designed for individuals who have limited income and assets and are unable to repay their debts. To qualify for Chapter 7 bankruptcy in New York, you must meet specific eligibility criteria, including:

1. Means Test: The means test is a primary factor in determining Chapter 7 eligibility. It assesses your income and expenses to determine whether you have sufficient disposable income to repay your debts. If your income is below the state’s median income for a household of your size, you generally pass the means test automatically. If your income is above the median, you may still qualify if your disposable income after allowable expenses is insufficient to repay your debts.
2. Credit Counseling: Before filing for Chapter 7 bankruptcy in New York, you must complete a credit counseling course from an approved agency within 180 days before filing. The certificate of completion is required to initiate the bankruptcy process.
3. Previous Bankruptcy Discharges: If you have received a Chapter 7 discharge in the past eight years or a Chapter 13 discharge in the past six years, you may not be eligible for another Chapter 7 discharge.
4. Good Faith Filing: You must file for Chapter 7 bankruptcy in good faith, with an honest intention to seek relief from unmanageable debt.
5. Assets and Exemptions: While Chapter 7 is a liquidation bankruptcy, New York provides exemptions that allow you to protect certain assets, such as your primary residence, personal belongings, and retirement accounts, from liquidation. It’s essential to understand these exemptions to determine if you can keep your assets.

Chapter 13 Bankruptcy Eligibility:

Chapter 13 bankruptcy, often referred to as “reorganization bankruptcy,” is designed for individuals who have a regular income and want to repay their debts over time through a court-approved repayment plan. To qualify for Chapter 13 bankruptcy in New York, you must meet specific eligibility criteria, including:

1. Regular Income: You must have a regular source of income, whether it’s from employment, self-employment, business, or other lawful sources, to fund the proposed repayment plan.
2. Debt Limits: There are debt limits for Chapter 13 eligibility. These limits are subject to adjustment for inflation, so it’s important to verify the current limits.
3. Credit Counseling: Similar to Chapter 7, you must complete a credit counseling course before filing for Chapter 13 bankruptcy.
4. Good Faith Filing: You must file for Chapter 13 bankruptcy in good faith, with a sincere intention to repay your debts through the proposed repayment plan.
5. Disposable Income: Your proposed repayment plan must demonstrate that you have enough disposable income to make the required payments to creditors. Disposable income is calculated based on your income and necessary expenses.

Individuals in New York may qualify for bankruptcy under either Chapter 7 or Chapter 13 based on their financial circumstances, income, and debt levels. Consulting with a qualified bankruptcy attorney is essential to assess your eligibility and determine the most appropriate bankruptcy chapter for your situation. Additionally, bankruptcy can have long-term financial and legal consequences, so it’s advisable to seek professional guidance before making any decisions regarding bankruptcy.

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Do You Need a Lawyer to File For Bankruptcy in New York?

Filing for bankruptcy in New York, like in any other state, is a complex legal process with various rules, paperwork, and potential pitfalls. While it is possible to file for bankruptcy without an attorney, it is generally advisable to seek legal representation, especially if your financial situation is complicated.

Pros of Hiring a Bankruptcy Attorney in New York:

1. Legal Expertise: Bankruptcy law is a specialized area of legal practice, and bankruptcy attorneys have extensive knowledge and experience in navigating the complexities of the bankruptcy process. They can help you understand your options, assess your eligibility, and determine which chapter of bankruptcy is most suitable for your situation (Chapter 7 or Chapter 13).
2. Legal Guidance: Bankruptcy lawyers can provide you with personalized legal advice tailored to your specific financial circumstances. They can help you make informed decisions, such as whether to file for bankruptcy or explore alternative debt relief options.
3. Paperwork and Documentation: Filing for bankruptcy involves a substantial amount of paperwork, including bankruptcy petitions, schedules, statements, and forms. Bankruptcy attorneys are skilled in preparing and filing these documents accurately and in a timely manner, reducing the risk of errors that could lead to complications or delays in your case.
4. Protection from Creditors: Once you hire an attorney, they can handle communication with creditors on your behalf. This means that creditors must direct their inquiries and collection efforts to your attorney, relieving you of the stress and harassment often associated with financial difficulties.
5. Asset Protection: Bankruptcy attorneys can help you take advantage of exemptions and legal strategies to protect as many of your assets as possible while still obtaining debt relief. They can ensure you maximize the benefits of bankruptcy exemptions available under New York law.
6. Court Representation: Attorneys can represent you in court during bankruptcy hearings and proceedings. This can be especially valuable if your case becomes contested or if you encounter legal challenges from creditors or the bankruptcy trustee.
7. Debt Discharge: Bankruptcy lawyers can work to ensure that as much of your debt as possible is discharged (eliminated) through the bankruptcy process. They can identify potential issues that might prevent certain debts from being discharged and take steps to address them.

Cons of Filing for Bankruptcy Without an Attorney in New York:

1. Complexity and Risk: Bankruptcy laws are intricate, and even a simple mistake on your bankruptcy forms or during the process can result in the dismissal of your case or the loss of valuable assets. DIY bankruptcy can be risky, especially if your financial situation is not straightforward.
2. Legal Procedures: Navigating bankruptcy procedures and court requirements can be challenging without legal guidance. Missing deadlines, failing to attend hearings, or not following court rules can jeopardize your case.
3. Creditor Challenges: If you file for bankruptcy without an attorney, creditors may be more likely to challenge your case, including objecting to the discharge of certain debts. Having an attorney can help you address such challenges effectively.
4. Understanding Exemptions: New York has specific bankruptcy exemptions that allow you to protect certain assets from liquidation. An attorney can help you understand these exemptions and maximize their benefits, potentially allowing you to keep more of your property.
5. Long-Term Consequences: Bankruptcy can have long-term financial and credit consequences. An attorney can advise you on how to best navigate these consequences and plan for a more stable financial future.

While it is possible to file for bankruptcy in New York without an attorney, it is generally recommended to seek legal representation, especially if your financial situation is complex or if you want to ensure the best possible outcome for your case. An experienced bankruptcy attorney can provide valuable guidance, protect your rights, and help you navigate the bankruptcy process effectively, ultimately increasing your chances of achieving a successful debt discharge and a fresh financial start. It’s advisable to consult with a qualified bankruptcy attorney to discuss your specific circumstances and explore your options before proceeding with a bankruptcy filing.

Cost to File Chapter 7 Bankruptcy in New York

The cost to file for Chapter 7 bankruptcy in New York consists of several fees, including filing fees, credit counseling fees, and attorney fees. It’s important to understand the breakdown of these costs before initiating the bankruptcy process:

1. Filing Fee: The primary cost associated with filing for Chapter 7 bankruptcy in New York is the filing fee required by the U.S. Bankruptcy Court. The filing fee for a Chapter 7 bankruptcy case in New York is $350. However, it’s crucial to note that these fees can change over time, so it’s essential to verify the current fee amount with the U.S. Bankruptcy Court for the Southern District of New York or the Eastern District of New York or consult with a bankruptcy attorney.
2. Credit Counseling Fees: Before you can file for Chapter 7 bankruptcy in New York, you are required to complete a credit counseling course from an approved agency. This course typically comes with a fee, which can vary depending on the agency you choose. Fees for credit counseling courses in New York can range from $25 to $58 on average. You should select a reputable agency that offers affordable services and is approved by the U.S. Trustee Program.
3. Attorney Fees: While you can technically file for bankruptcy without an attorney, many individuals opt to hire an experienced bankruptcy attorney to guide them through the process. Attorney fees can vary widely based on the complexity of your case, your location within New York, and the attorney’s experience. On average, Chapter 7 bankruptcy attorney fees in New York may range from $1,180 to $2,880 or more. Attorneys often offer payment plans or sliding-scale fees to make their services more accessible.
4. Miscellaneous Costs: In addition to the above fees, there may be additional costs associated with your bankruptcy case, such as fees for obtaining credit reports, notary fees, and costs related to attending the mandatory 341 meeting of creditors.

It’s important to note that if you are unable to afford the filing fee, you may request a fee waiver or installment plan from the court, especially if your income is below a certain threshold. The court will assess your financial situation to determine whether you qualify for a waiver or reduced fee.

Before proceeding with a Chapter 7 bankruptcy filing in New York, it’s advisable to consult with a bankruptcy attorney to discuss your options, understand the potential costs involved, and ensure that you are fully prepared for the bankruptcy process. An attorney can help you navigate the legal complexities, protect your rights, and maximize the benefits of bankruptcy while managing the associated expenses.

Cost to File Chapter 11 Bankruptcy in New York

The cost to file for Chapter 11 bankruptcy in New York can be significantly higher than other bankruptcy chapters due to its complexity and the legal and administrative expenses involved. Chapter 11 bankruptcy is primarily designed for businesses, including corporations, partnerships, and individuals with substantial assets or complex financial situations. Here is a breakdown of the costs associated with filing for Chapter 11 bankruptcy in New York:

1. Filing Fee: The filing fee for a Chapter 11 bankruptcy case in New York is a substantial cost and can vary depending on the type of debtor. The filing fee for a Chapter 11 case is approximately $1,895 for individuals or businesses with primarily consumer debts and approximately $2,000 for businesses with primarily non-consumer debts. It’s essential to verify the current filing fee with the U.S. Bankruptcy Court for the Southern District of New York or the Eastern District of New York, as these fees can change over time.
2. Attorney Fees: Chapter 11 bankruptcy cases are highly complex and typically require the expertise of experienced bankruptcy attorneys. Attorney fees for Chapter 11 cases can vary significantly depending on the complexity of the case, the debtor’s financial situation, and the attorney’s experience. It’s not uncommon for attorney fees in Chapter 11 cases to range from tens of thousands to hundreds of thousands of dollars or more.
3. U.S. Trustee Fees: In Chapter 11 cases, the U.S. Trustee’s office charges quarterly fees based on the debtor’s disbursements and receipts during the case. These fees can be substantial, especially for larger or more complex cases.
4. Administrative Expenses: Chapter 11 cases often involve substantial administrative expenses, including fees for professionals such as accountants, financial advisors, and appraisers who may be necessary to assist with the bankruptcy process. These expenses can add up significantly.
5. Creditors’ Committee Expenses: In some Chapter 11 cases, a creditors’ committee may be appointed to represent the interests of unsecured creditors. The debtor typically bears the expenses associated with the committee’s activities, including legal and financial advisory fees.
6. Other Costs: There may be other miscellaneous costs associated with a Chapter 11 case, such as court-ordered mediation fees, the cost of mailing notices and documents to creditors, and any necessary travel or lodging expenses for court appearances or meetings.

It’s crucial to recognize that Chapter 11 bankruptcy is a complex and expensive process, primarily intended for businesses and individuals with substantial assets and debts. The costs associated with Chapter 11 can be daunting, and it’s essential for debtors considering this path to carefully assess their financial situation and seek professional guidance from experienced bankruptcy attorneys who specialize in Chapter 11 cases.

Cost to File Chapter 13 Bankruptcy in New York

The cost to file for Chapter 13 bankruptcy in New York includes various fees and expenses. Chapter 13 bankruptcy, also known as “reorganization bankruptcy,” allows individuals with a regular income to create a repayment plan to address their debts. Here is a breakdown of the costs associated with filing for Chapter 13 bankruptcy in New York:

1. Filing Fee: The primary cost associated with filing for Chapter 13 bankruptcy in New York is the filing fee required by the U.S. Bankruptcy Court. It’s essential to verify the current filing fee with the U.S. Bankruptcy Court for the Southern District of New York or the Eastern District of New York, as these fees can change over time.
2. Attorney Fees: While individuals can technically file for Chapter 13 bankruptcy without an attorney (pro se), it is highly recommended to have legal representation due to the complexity of the process. Attorney fees for Chapter 13 cases in New York can vary depending on your location within the state, the complexity of your case, and the attorney’s experience. On average, attorney fees for Chapter 13 cases may range from approximately $2,760 to $4,960 or more. Some attorneys offer payment plans to make their services more accessible.
3. Credit Counseling Fees: Before filing for Chapter 13 bankruptcy, individuals are required to complete a credit counseling course from an approved agency. The course typically comes with a fee, which can vary depending on the agency chosen. Credit counseling fees in New York generally range from $26 to $60 on average.
4. Chapter 13 Trustee Fees: In a Chapter 13 case, a bankruptcy trustee is appointed to oversee the repayment plan. The trustee collects payments from the debtor and distributes them to creditors according to the approved plan. The trustee is entitled to a fee, which is typically a percentage of the total payments made through the plan. This fee is included in your monthly plan payments.
5. Mandatory Debtor Education Course: After filing for Chapter 13 bankruptcy, individuals are required to complete a debtor education course from an approved agency. Similar to credit counseling, this course comes with a fee, usually ranging from $24 to $58.
6. Miscellaneous Costs: There may be additional miscellaneous costs associated with your Chapter 13 case, such as fees for obtaining credit reports, notary fees, and costs related to attending mandatory meetings and hearings.

Before proceeding with a Chapter 13 bankruptcy filing in New York, it’s advisable to consult with a bankruptcy attorney to discuss your specific circumstances, understand the potential costs involved, and ensure that you are fully prepared for the bankruptcy process. An attorney can help you navigate the legal complexities, protect your rights, and maximize the benefits of Chapter 13 bankruptcy while managing the associated expenses.

Reliable Bankruptcy Attorneys in New York

Below is a list of reputable bankruptcy attorneys in New York. They can help you with both personal and business bankruptcy information.

Law office of Todd A. Morth
1207 Delaware Ave, Buffalo, NY 14209, United States

Rieth William C
16 W Main St Suite 756, Rochester, NY 14614, United States

Schaefer Peter C Esq
313 E Willow St #105, Syracuse, NY 13203, United States

Law Offices of William Waldner, PC
469 7th Ave #1225, New York, NY 10018, United States

Charles Juntikka & Associates, LLP
247 W 30th St #12, New York, NY 10001, United States

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13436, 12143, 12977, 13678, 13143, 12571, 13437, 12978, 13679, 11374, 13438, 11960, 12144, 13680, 12147, 14539, 12148, 14877, 12572, 12574, 14774, 13439, 13835, 13144, 11418, 12149, 13681, 11961, 11385, 12471, 12862, 14775, 11901, 12863, 12775, 14878, 12575, 11694, 11570, 11778, 13682, 13440, 13441, 14541, 11779, 11575, 12776, 14542, 13450, 11422, 12472, 11576, 11577, 12150, 12151, 12473, 12979, 12474, 12475, 14543, 14777, 14544, 13684, 10580, 12864, 13685, 11963, 11962, 11412, 14778, 11780, 13452,

12980, 14779, 12865, 13454, 12577, 12578, 14132, 12153, 13145, 12981, 12983, 12866, 14134, 12477, 13456, 13146, 14879, 11782, 10583, 12154, 12309, 12303, 12302, 12306, 12304, 12308, 12307, 12305, 12155, 12156, 12157, 12870, 12985, 12871, 14880, 13147, 14545, 14546, 11579, 11783, 11784, 12158, 13148, 12872, 12480, 13459, 11964, 11965, 13460, 14135, 14781, 13461, 11967, 12481, 11786, 14548, 10588, 12873, 13838, 13839, 12874, 14136, 14549, 14550, 14782, 13152, 13153, 10973, 14881, 12159, 12160, 10974,

12778, 11787, 13841, 13464, 14551, 14555, 10589, 11789, 12161, 12482, 13687, 14138, 12779, 12803, 11970, 13842, 13843, 13155, 11420, 13844, 11419, 10590, 14139, 11968, 10975, 11971, 10976, 12780, 12164, 14883, 14559, 12165, 11972, 12166, 12483, 10977, 13468, 11413, 14141, 14560, 12580, 14143, 12167, 12581, 14561, 13690, 10314, 10312, 10306, 10305, 10304, 10301, 10309, 10308, 10303, 10310, 10302, 10307, 10311, 14783, 12168, 12169, 13156, 10979, 12170, 13469, 14784, 12484, 11790, 11794, 12878, 10980,

12582, 12172, 13470, 14145, 12173, 12174, 10901, 12175, 12781, 11104, 12176, 14884, 12783, 13157, 11791, 13471, 12485, 10983, 10591, 13472, 13691, 10984, 10985, 12784, 10594, 13692, 13693, 12883, 12486, 13845, 12583, 10986, 14150, 13846, 12177, 14885, 13847, 12180, 12182, 12183, 14886, 13158, 10707, 13159, 12986, 13473, 10987, 12487, 13849, 13160, 11553, 11556, 10988, 12987, 11973, 13501, 13502, 12184, 10595, 10989, 12185, 11580, 11581, 14889, 13475, 14167, 12585, 12989, 13476, 13477, 13478, 13162,

10596, 14168, 13850, 14564, 12884, 12186, 10597, 13694, 11792, 11975, 12586, 14169, 12589, 13856, 14568, 13163, 13695, 11793, 12590, 13164, 12187, 12885, 14569, 10990, 10992, 12592, 11976, 12188, 13165, 14571, 13601, 13603, 13480, 12189, 14891, 14892, 12489, 14572, 14893, 14580, 13166, 13640, 12190, 13859, 14894, 14895, 11704, 14585, 12490, 12992, 12192, 13860, 13484, 13485, 14170, 12194, 10604, 10993, 11552, 14586, 12491, 11795, 12492, 12195, 13489, 13167, 10994, 13861, 12493, 10996, 12196, 11796,

12494, 13696, 14171, 13491, 12785, 11590, 13483, 12193, 13486, 14787, 13488, 11977, 11978, 13490, 14788, 12993, 10998, 12886, 12786, 10605, 10603, 10606, 10601, 10607, 12787, 12887, 13492, 11357, 14897, 13862, 14588, 13863, 14589, 13493, 11596, 12495, 12996, 13864, 12997, 14172, 12496, 13865, 12594, 13697, 12998, 14590, 12788, 11797, 13494, 11421, 14898, 11598, 12789, 11377, 12498, 12197, 12790, 11798, 12198, 14591, 11980, 14592, 14173, 10598, 13495, 14174, 12791, 12792

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