Bankruptcy Law in White Plains
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I Can Help You Take Back Control Of Your Finances
Financial setbacks can happen to anybody. Medical emergencies, job loss,
or divorce can quickly create a mountain of debt. If you are struggling
with overwhelming debt obligations, filing for bankruptcy can be an effective
way to keep harassing creditors at bay, stop potential lawsuits, and provide
you with some financial peace of mind.
Bankruptcy is more common than you think, and I have assisted many different
people, in all walks of life, with filing for bankruptcy. You are not
alone and you should not be scared or ashamed to take advantage of a debt
relief option created by our government to help people suffering with
Natasha Meruelo, Attorney at Law, I have dedicated my practice to delivering
customized solutions to complex financial difficulties. As your White Plains bankruptcy attorney, I offer the personalized attention
and straightforward answers you deserve when tackling your debt.
Don't let your financial problems escalate!
Call my Westchester County firm to book a
free case review.
Comprehensive Bankruptcy Representation
For nearly a decade, I have been assisting my clients in regaining their
financial health. Declaring bankruptcy is a complicated process involving
numerous legal procedures, and can be highly stressful without the proper
guidance of an attorney. Issues that may seem basic may not be so simple
at all. This is why you need a good attorney to take this stress off your
shoulders and handle every issue in your case so you don't have to
navigate the complexities alone.
As a compassionate bankruptcy professional, I am your personal debt relief
advocate. I can provide the reassuring counsel you require to successfully
navigate through all steps of your bankruptcy proceedings.
My Westchester County bankruptcy firm can deliver the experienced legal
assistance you need for numerous areas of bankruptcy, including:
Chapter 7 bankruptcy
: This bankruptcy involves liquidating or discharging personal liability
of burdensome debt. You can eliminate personal liability for credit cards,
personal loans, unsecured debts, mortgage or car payments you can no longer
afford, income taxes and penalties, medical bills, and a multitude of
other debts. You must pass a means test to file and I can analyze your
case to make sure you are eligible.
Chapter 13 bankruptcy: This bankruptcy reorganizes your debt so you can get back on track and
create a reasonable payment plan to help you pay back debts you may have
to repay or wish to repay. Most debts repaid in Chapter 13, such as mortgage
arrears, tax debts that may not be dischargeable, or child support arrears,
can be repaid at 0% interest and without further late fees or penalties.
I can help you determine what your monthly payment can be during your
: Some income tax liability may be completely eliminated in bankruptcy. Complex
rules apply and I can help you determine if you can free yourself of this debt.
Loss Mitigation and Residential Foreclosure Mediation Programs
: The US Bankruptcy Court for the Southern District of New York and the NY
State Courts have implemented mediation programs that allow creditors
and homeowners to have an opportunity to work together to reach a resolution
that may allow the homeowner an affordable option to stay in their home.
I can help you determine if you may be eligible for a loan modification
and represent you in these proceedings.
Service members' Civil Relief Act (SCRA): The SCRA establishes certain procedures that must be followed in all civil
proceedings in order to protect service member defendants. I can help
defend you if these procedures have been violated or help enforce these
rules and prevent a foreclosure.
: Declaring bankruptcy may delay or prevent the loss of your home in addition
to providing you with an option to work with your lender to obtain a loan
modification to keep your home. I can provide the honest feedback you
need to decipher if this option is available to you.
Debt collection defense: Bankruptcy enacts an automatic stay to halt creditor collection. If you
are being sued by a creditor or being harassed by a debt collector, I
can deliver uncompromised legal advocacy to protect your consumer rights
and stop this harassment.
Defense of a bankruptcy trustee lawsuit: If a bankruptcy trustee suspects you of fraud or objects to your discharge,
you may be prevented from discharging your debt and getting the fresh
start you were hoping for and may also be subject to criminal prosecution.
I can provide the unwavering advocacy you need to challenge such allegations
and help you get your discharge.
Student loan debt relief
: If you find yourself unable to keep up with your student loan payments,
I can offer my assistance. Allow me to evaluate your federal or private
student loans to see if I can help you implement an effective strategy
to get your debts straightened out, lower your payments, or defend you
in any student loan related lawsuits.
Take the first step in taking back control of your finances.
Call my firm today to schedule a complimentary appointment.
Contact Me for a Free Case Review!
Mounting debt can make you feel like your life is spinning out of control.
At Natasha Meruelo, Attorney at Law, I can provide the individualized
representation and skilled legal counsel you need and have a right to
expect throughout your bankruptcy proceedings.
I offer flexible appointment scheduling, including evenings and early morning
appointments, upon request. All base bankruptcy services are provided
at a flat fee with discounts available to members of the military and
Natasha Meruelo, Attorney at Law, represents residents throughout New York
in communities, including Westchester County, Putnam County, Dutchess
County, and Rockland County. I am available to meet clients either in
my White Plains or New York City office.
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-