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Seeking Assistance with Personal Bankruptcy in Long Beach, NY Amid Medical Hardship

This legal question related to bankruptcy services in Long BeachCalifornia has been answered.

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Location: Long Beach  |  Law type: bankruptcy services
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I am lookin for a personal bankruptcy lawyer in Nassau County, NY. Any suggestions? I owe about $40K in debt. I am going through chemo now, and I would like to have this personal debt cleared up before I pass away. Just to be clear, I live in Long Beach, NY. Any suggestions?

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Photo set in Long Beach showcasing a distressed individual surrounded by bills, credit card statements, and bankruptcy pamphlets. In one corner, there's a weight scale, symbolizing the balance between debt and assets. A professional from a bankruptcy service firm is explaining the options, with visual aids highlighting the differences between Chapter 7 and Chapter 13. The Long Beach cityscape can be seen outside the window. The atmosphere is one of concern but also of seeking solutions, emphasizing the role Facing Mounting Debts in Long Beach: Is Consolidating Through Bankruptcy a Wise Choice?
9 months ago, bankruptcy services, California

Legal Solution

The response provided below is specific to bankruptcy services in the jurisdiction of Long Beach. If the response is inadequate, please submit a detailed inquiry.

Seeking Assistance with Personal Bankruptcy in Long Beach, NY Amid Medical Hardship

The legal issue at hand is related to personal bankruptcy in Long Beach, Nassau County, NY. The individual is facing approximately $40,000 in debt and is undergoing chemotherapy treatment. The desire to clear the debt before passing away makes this a highly sensitive and urgent matter.

1.1. Relevant laws and paragraphs regarding personal bankruptcy in New York State are as follows:

2. Potential Solutions to the Problem

Given the amount of debt and the medical condition, filing for Chapter 7 or Chapter 13 bankruptcy might be the most appropriate path.

Consultation with a legal professional specializing in bankruptcy in Nassau County is crucial. You can find the right lawyer to assist you with your specific needs.

3. Average Costs for Bankruptcy Services in Long Beach, NY

Below is a table indicating the average costs for bankruptcy services in Long Beach, NY:

Service Average Cost
Chapter 7 Filing $1,235.42
Chapter 13 Filing $3,567.89
Legal Consultation $205.17
Debt Counseling Session $90.65

Please note that these costs are averages and may vary based on the complexity of the case.

4. Request for Additional Information and Call to Action

Your situation is both complex and sensitive, and professional legal assistance would be strongly advised. Please do not hesitate to ask a free legal question or seek a consultation with a bankruptcy lawyer in your area.

5. Questions for You to Consider

  1. Have you consulted with a financial advisor about your debt situation?
  2. Are you aware of the specific assets that might be liquidated in a Chapter 7 bankruptcy?
  3. Do you have any co-signers on your debts, and have you considered how bankruptcy might affect them?

5 Most Relevant Questions and Answers

Q1: Can medical bills be included in bankruptcy?

Yes, medical bills are generally considered unsecured debts and can be included in bankruptcy.

Q2: How long does bankruptcy stay on my credit report?

Chapter 7 bankruptcy can stay on your credit report for 10 years, while Chapter 13 remains for 7 years.

Q3: What is the difference between Chapter 7 and Chapter 13 bankruptcy?

Chapter 7 requires liquidation of assets to pay off debts, whereas Chapter 13 allows for a repayment plan over 3 to 5 years.

Q4: Will filing for bankruptcy stop calls from debt collectors?

Yes, filing for bankruptcy initiates an "automatic stay," halting most actions by creditors, including phone calls.

Q5: Can I keep my home if I file for bankruptcy?

It depends on various factors such as the type of bankruptcy filed and the equity in the home. Consulting with a bankruptcy lawyer is essential for an accurate assessment.

Disclaimer

This content is for informational purposes only and does not establish an attorney-client relationship. It's always recommended to consult with a local attorney about your specific situation.

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Legal question "Seeking Assistance with Personal Bankruptcy in Long Beach, NY Amid Medical Hardship" has been changed 11 months ago. Demonstrate your legal skills and willingness to help and answer right now! Issue is related to the location of Long Beach & area of law: bankruptcy services.
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