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Long Island Bankruptcy Overview

Individuals and families in Nassau & Suffolk fall behind on their bills all the time. Between cars, houses and credit cards, many individuals and families accumulate debt they can't get control over. Sometimes unforeseen events such as medical problems, family emergencies, and unexpected illnesses can be detrimental to a person's finances, even if they were in steady condition before the event occurred. At Jacoby & Jacoby, we realize how easily a person can find themselves in debt and if you find yourself in a similar position we want you to know that you are not alone and there are ways we can help you.

Bankruptcy is a legal process in which a person declares inability to pay debts. Consumer bankruptcy laws were created to give debtors a fresh start, and to pay creditors as much as possible without over-burdening the debtor. With some forms of bankruptcy, any available assets will be liquidated and used to pay off creditors. A person may declare bankruptcy under several different chapters of the federal bankruptcy code: Chapter 7, which involves the liquidation of the debtor's assets, or Chapter 13, which reorganizes debts so that the individual can pay off creditors over a set period of time.

Experienced Help & Counsel for Your Financial Situation

A Long Island bankruptcy attorney from our firm will examine your situation to determine the best way to approach your debts. If Chapter 7 is the best option to resolve your debt, your lawyer will help you take the necessary steps to complete this procedure. If your attorney believes Chapter 13 may work better for you, they will assist you in declaring a Chapter 13 bankruptcy so that you can begin to get a grasp on your finances.

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