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Clair Gjertsen & Weathers PLLC Law Firm
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    • Gary R. Gjertsen
    • Wendy Marie Weathers
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Bankruptcy

Are your creditors calling nonstop? Are you facing a foreclosure sale? Are final notices showing up in your mailbox? Do threats of lawsuits occupy your mind and affect every aspect of your personal and professional life?

Helping You End the Stress With a Fresh Financial Start

We understand this reality and can empathize with the struggles you face now and what lies ahead for you. You may want to consider filing bankruptcy.  You may be able to keep your home and discharge your medical bills, your credit card debt and possibly your student loans.

While Clair Gjertsen & Weathers PLLC look for non-bankruptcy options first in saving your home, bankruptcy may become the best choice in giving you a fresh financial start. If you qualify, we will help you from the application process to the formal reorganization or discharge of your debt.

How do you know what chapter to file?

That will depend on your short term and long term objectives.

  • Chapter 7 bankruptcy (discharge of personal debts)
  • Chapter 13 bankruptcy (reorganization of personal debts)
  • Chapter 11 bankruptcy (reorganization of business debts)

Some issues to consider when determining what chapter to file:

There are debts that are not eligible for discharge:

  • child support
  • alimony
  • student loans
  • tax debts
  • debts incurred in fraudulent business deals

You may want to consider Chapter 13 if:

  • Owe debts not dischargeable
  • Have liens that are larger in value than the value of assets securing the debt
  • Have years of unfiled taxes
  • In default on car or mortgage payments
  • You want to save your home from foreclosure

It is also possible, in certain circumstances, to eliminate a second or third mortgage on your home if the value of your home has dropped significantly.

Loss Mitigation Program in Bankruptcy Court

Clair Gjertsen & Weathers PLLC has over a decade of experience in assisting borrowers in modifying their home mortgage through the Loss Mitigation Program in Bankruptcy Court.  Under this program, the Bankruptcy Judge will help facilitate the negotiation between you and your lender, with our guidance, and with the end goal of reducing your monthly mortgage payment to make it more affordable and start living your life again.

Affordable, Dedicated & Trusted Westchester NY Law Firm

Schedule A Free Consultation:

Call Today - 914.472.6202

We serve Westchester, Putnam, Dutchess, Rockland, Orange, Ulster, Sullivan, Bronx, Queens, Kings, New York, Nassau & Suffolk. Conveniently located on the state line, we also practice in Connecticut.

Contact Us Today

Get In Touch

914.472.6202
4 New King St.
Suite 140
White Plains, NY 10604
Map & Directions

Fax: 914.472.1936

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Foreclosure Defense

Bankruptcy

Real Estate

Landlord / Tenant

Consumer Debt Litigation

Wills & Estates

Civil Litigation

Short Sales & Modifications

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