Chapter 13 Bankruptcy Lawyer

Serving White Plains & Westchester County: (914) 752-5098.


Reasons To Choose Me

Free Consultations Provided
Vigorous Advocacy Delivered To Each Client
An Extensively Experienced Attorney On Your Side
Conscientious Representation
I Can Help You Take Back Control Of Your Finances
You Will Receive The Diligent Counsel You Deserve
Each Client Receives My Undivided Attention & Personalized Legal Solutions

For individuals who may not meet the requirements of Chapter 7 bankruptcy, petitioning for debt relief under Chapter 13 bankruptcy may be their strongest option. Chapter 13 Bankruptcy can help you develop a realistic repayment plan that prioritizes your most important debts and help you regain control of your financial life.

When you are facing devastating financial circumstances, the support and guidance of a knowledgeable bankruptcy lawyer can prove to be your biggest asset. At Natasha Meruelo, Attorney at Law, I can provide the strategic and supportive legal counsel you need to accurately declare Chapter 13 bankruptcy.

As an experienced Westchester County debt relief lawyer, I have helped numerous clients reorganize and successfully address their debt through Chapter 13 bankruptcy. Together, we can assess your current financial situation and decipher if declaring Chapter 13 would be right for you.


If you are burdened by overpowering debt, contact my firm today to schedule a free case evaluation !


Managing Your Debt Through Chapter 13 Bankruptcy

Under the oversight of a bankruptcy trustee, Chapter 13 bankruptcy allows you to restructure your debt to a manageable level and eliminate arrears that are not in your best financial interest or which simply don't have to be repaid. This process involves an analysis of your current assets, projected income and allowable expenses, and amount of debt before approving your proposed repayment plan.

In many cases, much of your debt may be discharged or paid at a fraction of what you actually owe, and certain debts such as taxes and mortgages are given priority over other debts, which is often to your benefit if you wish to keep your home and resolve your issues with the IRS or New York State. You also have the opportunity to dispute and eliminate debts that are incorrect or time barred. The entire process usually takes 3 to 5 years to complete.

Advantages to declaring Chapter 13 bankruptcy:

  • Immediately halting harassing credit agency phone calls
  • Stopping the foreclosure process
  • Helping you evaluate loan modification
  • Stripping away an unsecured second mortgage
  • Allowing you to repay tax debts interest free and penalty free
  • Cramming down a car loan to the actual value of your vehicle
  • Helping you pay child support arrears over 36-60 months
  • Providing for an automatic stay of collection against any co-signors of consumer debts

Regain financial health. Call Natasha Meruelo!

Chapter 13 bankruptcy breaks the endless cycle of making monthly payments that do little to pay down your rapidly accruing debt. Approved repayment plan disbursements are often less than your current credit card minimums, making your financial obligations more reasonable.

At Natasha Meruelo, Attorney at Law, I provide the unwavering and individualized attention you need at every stage of Chapter 13 bankruptcy proceedings. Helping my clients regain their financial situation is always my first priority. As a supportive White Plains bankruptcy lawyer, I offer flexible appointment scheduling, flat fee bankruptcy services, and discounts to members of the military and armed forces.


Call me today to schedule your no-obligation appointment!


Natasha Meruelo, Attorney at Law, represents residents throughout New York in communities such as White Plains, Rockland County, Bronx, Brooklyn, New York City, Mount Vernon, and Manhattan.

* This is Attorney Advertising. Natasha Meruelo, Esq., designated as a Federal Debt Relief Agent by an Act of Congress and the President of the United States, proudly assists consumers seeking relief under the US Bankruptcy Code. Prior results do not guarantee a similar outcome; see attached- 342b and 527a/b .

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