Law Offices of Stephen Bilkis & Associates, PLLC

Thousands of New Yorkers must cope with the pressures of being deeply in debt. It is not uncommon for personal debt to spin out of control due to unexpected challenges such as job loss, illness, death of a spouse, or divorce. Those with overwhelming debt often also face late payment notices, overdrawn bank accounts, disconnection notices, and constant calls from debt collectors. Fortunately, there are options to help those in deep debt to manage the debt or eliminate a significant amount of the debt. Filing for bankruptcy allows individuals to have a fresh start. Filing for bankruptcy can allow you to completely eliminate most of your debt or it can allow you to restructure your debt to make payments to your creditors manageable.